From the perspective of the relationship between the government and the market in the construction of the long-term care insurance system in our country, this paper specifically stated the position of commercial insurance companies in the construction, and its unique advantages in managing it. To make better use of their unique advantages, it was suggested that the commercial insurance companies should be responsible for the management of the long-term care insurance, establish related database and a stable and eff ective internal management mechanism, and take the chance to develop independent commercial long-term care insurance products as a supplement.%本文从我国长期护理保险制度建设中政府与市场的关系角度入手，具体阐述商业保险公司的地位，以及其经办长期护理保险的独特优势。为了更好地发挥其优势，建议由商业保险公司负责经办工作，建立数据库以及稳定长效的内部管理机制，并借势发展独立的商业护理保险产品作为补充。
展开▼
