【摘要】 2026年3月中央印发《关于加快建立长期护理保险制度的意见》，标志着我国长期护理保险制度由试点探索转入全面建制阶段。长期护理保险不仅是回应失能照护风险、完善老龄社会保障体系的重要制度安排，也是影响银发经济发展条件、运行逻辑与政策边界的关键制度变量。立足老龄社会治理视角，重点考察长期护理保险何以赋能银发经济、可能带来何种风险，以及制度与产业政策如何更稳健地适配。研究认为，长期护理保险有助于将分散化、家庭化的照护需求转化为制度化、可支付的有效需求，并通过减轻家庭照护压力、规范服务市场秩序、稳定产业预期为银发经济发展提供基础性制度支撑。但与此同时，长护险制度也可能伴随筹资可持续性压力、支付边界模糊、供给结构偏窄、道德风险上升和制度预期波动等问题。为此，应坚持“保基本、可持续”的制度定位，在统一失能评估、优化支付方式、强化居家社区导向、增强家庭支持和完善协同监管中稳步推进制度建设，促进长期护理保险与银发经济协调发展。更多还原

【Abstract】 In March 2026, the Central government issued the Opinions on Accelerating the Establishment of a Long-Term Care Insurance System, marking the transition of China’s long-term care insurance system from pilot exploration to full-scale institutional implementation. Long-term care insurance is not only an important institutional arrangement to address the risk of disability care and improve the social security system for the elderly, but also a key institutional variable affecting the development conditions, operational logic and policy boundaries of the silver economy. From the perspective of aging society governance, this study focuses on examining how long-term care insurance enters the silver economy, what risks it may bring, and how the institutional and industrial policies can achieve more robust adaptation. It argues that long-term care insurance helps transform decentralized, family-based care needs into institutionalized and affordable effective demands. By alleviating family care pressure, regulating the service market order and stabilizing industrial expectations, it provides fundamental institutional support for the development of the silver economy. Meanwhile, however, the long-term care insurance system may also be accompanied by challenges such as pressure on financing sustainability, vague payment boundaries, a narrow supply structure, rising moral hazard and volatile institutional expectations. To this end, we should adhere to the institutional orientation of "ensuring basic needs and maintaining sustainability", steadily advance institutional development by unifying disability assessment, optimizing payment methods,strengthening the home and community-based orientation, enhancing family support and improving coordinated supervision, so as to promote the coordinated development of long-term care insurance and the silver economy.更多还原