我国城镇职工基本医疗保险基金结余问题研究

发布时间：2018-05-25 08:19

本文选题：基本医疗保险 + 基金结余　；参考：《安徽财经大学》2014年硕士论文

【摘要】：自1998年城镇职工基本医疗保险改革以来,城镇职工基本医疗保险基金的积累规模不断扩大。截止2012年底,我国城镇职工基本医疗保险累计结余6884亿元,其中统筹基金结余4187亿元,在保障水平不变的前提下,可以保障17个月的基金支出,巨额的基金结余,引起了大家的普遍关注。适度的结余可以抵御医疗支付的风险,过多的结余可能会损害参保者的利益。现阶段我国医保基金巨额的结余量究竟是结余过多还是结余适度,这需要我们进行深入分析研究。本文以我国城镇职工基本医疗保险基金结余为研究对象,采用文献分析法,对比分析法和归纳分析法,对我国城镇职工基本医疗保险发展历程进行了梳理、对基金结余的现状进行了分析、探究影响基金结余的原因,最后结合我国的实际情况提出控制城镇职工基本医疗保险基金大量结余的建议。本文共分为五个部分。第一部分为导论,阐述了本文的选题背景及意义、国内外文献综述、研究内容与方法、可能的创新点与本文的不足等问题。第二部分介绍了我国城镇职工基本医疗保险的实施原则以及基本医疗保险的发展历程。第三章对我国城镇职工医疗保险基金结余规模和结构进行了分析。第四章探讨了影响城镇职工医保“收”与“支”的相关影响因素,并且分析了导致城镇职工基本医疗保险基金结余过多的原因。第五章主要是在上文分析的基础上结合我国具体实际情况提出控制城镇职工基本医疗保险基金大量结余的建议。
[Abstract]:Since the reform of basic medical insurance for urban workers in 1998, the accumulation of basic medical insurance fund for urban workers has been expanding. By the end of 2012, the accumulated balance of basic medical insurance for urban workers in China was 688.4 billion yuan, of which the balance of the overall fund balance was 418.7 billion yuan. On the premise of no change in the level of security, 17 months of fund expenditure and a huge fund balance could be guaranteed. It has aroused widespread concern. A modest balance protects against the risk of medical payments, and excess savings can hurt the insured. At present, whether the huge balance of medical insurance fund in our country is excessive or moderate, it needs us to carry on the thorough analysis and research. This paper takes the balance of basic medical insurance fund of urban workers in China as the research object, uses the literature analysis method, the contrast analysis method and the inductive analysis method, combs the development course of the basic medical insurance of the urban workers in our country. This paper analyzes the present situation of the fund balance, probes into the reasons that affect the fund balance, and finally puts forward some suggestions for controlling the large balance of the basic medical insurance fund for urban workers combined with the actual situation in our country. This paper is divided into five parts. The first part is the introduction, which explains the background and significance of the topic, the literature review, the research contents and methods, the possible innovation points and the shortcomings of this paper. The second part introduces the implementation principles of basic medical insurance for urban workers and the development of basic medical insurance. The third chapter analyzes the scale and structure of medical insurance fund balance of urban workers in China. The fourth chapter discusses the influence factors of urban workers' medical insurance "income" and "expenditure", and analyzes the causes of excessive fund balance of urban workers' basic medical insurance fund. The fifth chapter is mainly based on the above analysis of the actual situation in China to control the basic medical insurance fund for urban workers a large number of balance suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684

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