In our country,the aging population is becoming more and more serious.The increasing of the elderly population and demand for nursing made it urgent to establish the long-term care insurance system for the elderly.In this paper,through the comparison between China and developed countries in the world of the elderly long-term care insurance system,the development of long-term care insurance of the elderly in China was analyzed using the method of diagnosis tree.The problems of development of long-term care insurance in China were as follows.It was difficult to raise funds,lack of nursing institutions and nursing staff,with higher adverse selection and moral hazard.And the long-term nursing insurance products were not mature enough.China's elderly long-term care insurance development should follow the five control handles theory,improve and develop long-term care insurance for the elderly in China from financing,payment,organization,regulation and behavior.%我国人口老龄化日益严重,老年人对护理的需求增加,急需建立老年人长期护理保险制度.本文通过对比我国与世界发达国家的老年人长期护理保险制度,发现我国长期护理保险的发展存在资金筹集困难、护理机构和护理人员缺乏、逆向选择和道德风险较高、长期护理保险产品不够成熟等问题.应遵循五个控制柄理论,从筹资、支付、组织、规制和行为五个控制柄角度完善和发展我国老年人长期护理保险.
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