共同富裕视域下我国长期护理保险政策评价与优化路径研究——基于PMC指数模型

目的：从共同富裕角度对长期护理保险政策进行科学分析和客观评价，致力于探究政策现存问题和优化路径，为政策制定与优化提供理论参考和实践依据。方法：采用政策文本量化方法，运用PMC指数模型构建政策综合评价体系，对2016—2022年中央和省级政府出台的长期护理保险政策进行量化评价。结论：长期护理保险法律法规不够完善，资金筹集对医保基金依赖程度较高，个人缴费责任需进一步明确，制度覆盖面仍不足，农村面临专业护理机构和人员不足等困境。建议加强政策顶层设计，出台相应法律法规，完善政策实施细则，发挥激励型政策工具作用，促进长期护理保险市场繁荣发展，实现基金多元化筹资，建立完善基金监管机制，以共同富裕为导向扩大参保对象覆盖范围。

Study on the evaluation and optimization path of long-term care insurance policy in China from the perspective of common prosperity: Based on PMC model

Objective: To scientifically analyze and objectively evaluate the long-term care insurance policy from the perspective of common prosperity, and to identify existing problems and explore optimization paths of the policy, so as to provide theoretical reference and basis for practical to policy formulation and optimization. Methods: Policy text quantification method and comprehensive policy evaluation system constructed under PMC index model are adopted to evaluate quantitatively the long-term care insurance policies introduced by the central and provincial governments from 2016 to 2022. Conclusion: The following problems are found during the research: laws and regulations on long-term caring insurance are not flawless; fund raising relies heavily on medical insurance funds; individual payment responsibilities need to be further clarified, coverage of the system is still insufficient, and rural areas facea shortage of professional nursing institutions and personnel. It is suggested to strengthen the top-level design of policies, and introduce corresponding laws and regulations. Also to improve the detailed rules for policy implementation, and give play to the role of incentive policy tools, as so to promote the prosperity and development of the long-term protection insurance market, and realize diversified fund raising, meanwhile establish and improve the fund supervision mechanism, and expand the coverage of insured objects in the direction of common prosperity.