上(shang)證報中國證券網訊（記者 韓宋輝）全國政(zheng)協(xie)委(wei)員、對外經濟貿(mao)易大學(xue)保(bao)(bao)(bao)險(xian)(xian)學(xue)院(yuan)副院(yuan)長孫(sun)潔(jie)在《關于進(jin)一(yi)步促進(jin)長期(qi)(qi)護(hu)理保(bao)(bao)(bao)險(xian)(xian)發(fa)展的政(zheng)策建議》中表示，應當及時總結(jie)長期(qi)(qi)護(hu)理保(bao)(bao)(bao)險(xian)(xian)試(shi)點經驗(yan)，借鑒(jian)國際經驗(yan)探(tan)索創新，統籌協(xie)調加(jia)強頂(ding)層設計，推進(jin)長期(qi)(qi)護(hu)理保(bao)(bao)(bao)險(xian)(xian)制度建設，制定完善(shan)失能評估(gu)和照護(hu)等級評定標準，建立(li)多渠道可持續(xu)的籌資體系(xi)，加(jia)快多層次(ci)長期(qi)(qi)護(hu)理保(bao)(bao)(bao)險(xian)(xian)體系(xi)建設。

　　孫潔建議，應將(jiang)長(chang)(chang)期(qi)(qi)護(hu)(hu)理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)納(na)入多(duo)層次、多(duo)支柱社(she)會保(bao)(bao)(bao)障(zhang)體系建設的總體規(gui)劃，從頂層設計(ji)上(shang)規(gui)范長(chang)(chang)期(qi)(qi)護(hu)(hu)理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)運行(xing)機(ji)制(zhi)(zhi)(zhi)，以立法(fa)形式(shi)來(lai)規(gui)范和管理長(chang)(chang)期(qi)(qi)護(hu)(hu)理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的運行(xing)，輔之以完(wan)備的配套(tao)政策支持。建立多(duo)渠道籌資(zi)的長(chang)(chang)期(qi)(qi)護(hu)(hu)理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)基金，從宏觀(guan)層面對養老(lao)和醫(yi)療保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)制(zhi)(zhi)(zhi)度(du)進(jin)行(xing)整合，通(tong)(tong)過(guo)法(fa)律法(fa)規(gui)等(deng)形式(shi)強(qiang)制(zhi)(zhi)(zhi)法(fa)定參保(bao)(bao)(bao)人及其(qi)單(dan)位繳納(na)長(chang)(chang)期(qi)(qi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費，同時發揮財稅(shui)(shui)政策的激勵作用(yong)，對投(tou)保(bao)(bao)(bao)商業(ye)護(hu)(hu)理保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)給予稅(shui)(shui)收優惠，并通(tong)(tong)過(guo)配套(tao)財政補貼(tie)等(deng)多(duo)種方式(shi)促(cu)進(jin)籌集(ji)資(zi)金，滿足失能(neng)、半失能(neng)老(lao)年人的照護(hu)(hu)費用(yong)支出(chu)。建立和完(wan)善長(chang)(chang)期(qi)(qi)護(hu)(hu)理的風險(xian)(xian)(xian)(xian)防范機(ji)制(zhi)(zhi)(zhi)和績效考核機(ji)制(zhi)(zhi)(zhi)等(deng)，更好推動(dong)其(qi)長(chang)(chang)期(qi)(qi)穩健發展。