城镇职工基本医疗保险个人账户制度的起源、效能与变迁

发布时间：2018-02-01 02:46

本文关键词： 城镇职工基本医疗保险个人账户制度分析制度起源制度效能制度变迁　出处：《中州学刊》2013年08期 　论文类型：期刊论文

【摘要】：近年来,城镇职工基本医疗保险个人账户被逐渐边缘化,从制度分析视角探讨城镇职工基本医疗保险个人账户的起源、效能与变迁显得十分必要。城镇职工基本医疗保险个人账户的建立源于医疗费用膨胀、政府和企业负担过重、劳保医疗的历史遗留等内部因素以及"效率优先、兼顾公平"的改革理念、国际私有化浪潮、传统文化观念和养老保险个人账户建立等外部因素的相互作用。内部因素产生了对政策工具的需求,但并未限定其形态及范围,并不必然产生个人账户。外部因素提供了政策工具的具体形态,直接导致个人账户最终建立。个人账户的建立对制度环境产生了重要影响,并导致了诸多问题。尤其随着制度环境的不断变化,个人账户与当前的制度环境产生剧烈冲突,无力完成制度环境提出的新任务,应该予以取消。
[Abstract]:In recent years, the personal account of basic medical insurance for urban workers has been gradually marginalized. From the perspective of system analysis, the origin of individual account of basic medical insurance for urban workers is discussed. The establishment of the personal account of basic medical insurance for urban workers is due to the expansion of medical expenses, excessive burden on the government and enterprises, historical legacy of labor insurance and other internal factors and "efficiency priority". The reform idea of taking equity into account, the tide of international privatization, the interaction of traditional cultural concepts and the establishment of individual accounts of old-age insurance, etc. The internal factors have created the demand for policy tools. But it does not limit its form and scope, does not necessarily produce individual accounts. External factors provide a specific form of policy tools. The establishment of personal accounts has an important impact on the institutional environment, and has led to many problems, especially with the continuous changes in the institutional environment. Personal accounts conflict with the current institutional environment, the inability to complete the new tasks proposed by the institutional environment should be cancelled.
【作者单位】：中国人民大学公共管理学院;
【分类号】：F842.6
【正文快照】： 近年来,城镇职工基本医疗保险个人账户(以下简称“个人账户”)①被逐渐边缘化。个人账户的相关研究汗牛充栋,主要集中于个人账户运行效率、基金积累、费用控制等技术和经济的分析等方面,少有论者从个人账户建立的政治、经济、文化等制度背景进行分析。我国当初为何要建立个人

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