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A long-term care insurance model construction method based on multiple accounts and budget constraints

A construction method and multi-account technology, applied in the field of data processing, can solve the problems of inconvenience, low maintenance ratio, separation of public pension accounts and long-term care insurance accounts, etc., to achieve the effect of comprehensive consideration and increase of fund security

Pending Publication Date: 2019-06-14
莫毓昌
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Kitao (2015a) explicitly separates long-term care insurance from the national health service, but this model of long-term care insurance is not extended to incorporate and consider more realistic aspects
First, existing studies use older versions of IPSS (2012) population projections, which assume lower dependency ratios in the future steady state; second, accumulated public pension funds are not explicitly considered; finally, some existing long-term Care insurance does not clearly separate the general account, public pension account and long-term care insurance account, and combines these three parts in a single government budget constraint, which brings inconvenience to people's use

Method used

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  • A long-term care insurance model construction method based on multiple accounts and budget constraints
  • A long-term care insurance model construction method based on multiple accounts and budget constraints
  • A long-term care insurance model construction method based on multiple accounts and budget constraints

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Experimental program
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Embodiment 2

[0097] Embodiment 2. Before using the model of the present invention, each index needs to be defined. The specific contents that need to be defined include: clarifying the population structure and defining the representative family members.

[0098]First, demographic assumptions are made using moderate variance values ​​for fertility and mortality. Since all parameter values ​​for total population and survival are calculated using actual and expected data, the demographics in the model can capture figure 1 Actual and projected demographics shown.

[0099] Secondly, calculate the representative family members according to the above steps, including the composition of the representative family members, according to figure 2 The key parameters in calculate the life expectancy utility of the family members, calculate the budget constraint of the representative family members, and calculate the total labor supply of the representative family members.

[0100] Finally, the endoge...

Embodiment 3

[0101] Embodiment 3. First, it is determined that the endogenous economic growth rate in the model is close to the economic growth rate target value given by EFPMLA (2016) by giving the technological progress value (Ωt) externally.

[0102] Second, endogenously calculate the fixed contribution amount of the first group (age 65 and above) and the contribution rate of the second group (age 40-64), balancing the budget of the long-term care insurance (LTCI) account.

[0103] image 3 Gross domestic product for government spending is shown. Assume that the consumption tax rate is calculated endogenously after 2019, and all other tax rates are given exogenously, such as figure 2 As shown, calculate the general account constraint budget.

[0104] Figure 4 Actual past trends and future values ​​given in the numerical analysis below are shown. Compute public pension account constraints using contribution and replacement rates as policy tools.

[0105] Finally, follow Figure 5...

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Abstract

The invention discloses a long-term care insurance model construction method based on multiple accounts and budget constraints. The long-term care insurance model construction method comprises the following steps: S1, defining a population structure; S2, defining representative family members; S3, calculating a government budget constraint of long-term care of the insurance account; S4, calculating government budget constraints of the common account; S5, calculating government budget constraint of the public pension account; S6, defining competition equalization. A common account, a public pension account and a long-term care insurance account are clearly separated, government budget constraints of the common account, the public pension account and the long-term care insurance account arecalculated respectively, it is guaranteed that funds of the accounts independently exist, the influence of the fact that the funds are stored in the long-term care insurance account to cause unsafetyon people is avoided, and the fund safety is improved; and the long-term care insurance model is more comprehensive in consideration, and the accumulated public old-age care funds are clearly considered, so that the continuous development of long-term care insurance is ensured, and convenience is brought to the use of people.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a long-term care insurance model construction method based on multi-account and budget constraints. Background technique [0002] Japan's National Institute of Population and Social Security (IPSS) released the latest population forecast and dependency ratio for 2017. The total population is expected to decrease to less than 60 million in the next 100 years. As the aging population intensifies, the LTCI environment in the context of Japan's aging population will become more severe. [0003] In the Auerbach and Kotlikoff (1987) model, Braun and Joines (2015) have recently examined public healthcare benefits, which can be interpreted as benefits through the National Health Service and long-term care insurance. Kitao (2015a) explicitly separates long-term care insurance from the national health service, but this model of long-term care insurance is not extended to incorporate and co...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q50/26
Inventor 莫毓昌
Owner 莫毓昌