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失能老人长期照护风险具有社会风险性质。长期照护风险的特征表明,长期照护风险可以通过保险机制来转移风险,但是私人照护保险存在市场失灵的缺陷,需要建立公共长期照护保险制度化解中国失能老人的长期照护财务风险。
The risk of long-term care for disabled elderly is socially risky. The characteristics of long-term care risk show that long-term care risk can be transferred through the insurance risk, but there is a market failure in private care insurance, and the need to establish a public long-term care insurance system to resolve the long-term care financial risk for the elderly disabled in China.