我国高龄和失能老年人对长期护理保障的刚性需求不断增加。而由于社会性长期护理保险发展尚不充分,商业性长期护理保险加速发展成为重要政策选项之一。因此,原中国银保监会启动人寿保险与长期护理保险责任转换业务试点,旨在进一步激发商业性长期护理保险的发展潜力。基于政府主导下的多元主体合作理论,分析转换业务试点中可能遇到的潜在风险,主要包括目标难以统一、各主体参与精神与参与能力不足、缺乏制度保障和合作机制等。基于分析,提出了培育协作理念、加强人才供给、完善制度保障和构建多元机制等方面建议,鼓励探索新的业务转换模式。

The rigid demand for long-term care security among elderly and disabled people in China is constantly increasing. However, due to the insufficient development of social long-term care insurance, the accelerated development of commercial long-term care insurance has become one of the important policy options. Therefore, the former China Banking and Insurance Regulatory Commission launched a pilot program for the conversion of liability between life insurance and long-term care insurance to further stimulate the potential of commercial long-term care insurance development. Based on the theory of multi-party cooperation under the leadership of government, the paper analyzes the potential risks in the pilot cities of conversion business, such as difficulties in unified goals, insufficient participation willingness and ability of all parties, lack of institutional guarantee and cooperation mechanism, etc. Based on the analysis, it is recommended to cultivate the concept of collaboration, strengthen the supply of talents, improve the institutional guarantee, and build diverse mechanisms, encouraging the exploration of new models for business conversion.