摘要
截至2011年底,以城镇职工医保、新农合、城镇居民医保为主体的基本医疗保险制度已经覆盖了95%以上的城乡居民,"全民医保"基本实现。由于人们倾向于认为参保人数的持续增加对医保基金结余产生显著的正向影响,在"扩面"空间有限的情况下,人们开始担心医保基金的偿付能力。采用省际面板数据的计量经济学分析方法,试图找到扩面进程和职退比(在职参保人员与退休参保人员之比)对医疗保险基金结余的内在和动态影响,寻找各地区在剔除扩面影响下的特殊应对策略,借以对"全民医保"收官阶段的医保基金结余管理提出相应政策建议。
As of the end of 2011, the basic social medical insurance system,which is mainly composed of social medical insurance system for urban workers and residents and new rural cooperative medical system, has covered more than 95 % of urban and rural residents. The objective of ＇universal medical coverage＇ has been basically accomplished. Since both academic circles and various practitioners believe that the sustainability of the social medical insurance fund balance depends on the continuous increase of participants, people have become doubtful about the future financial solvency of the fund, given the limited room for coverage expansion. This paper tried to find out the internal dynamic impacts of the progress of ＇coverage expanding＇ and the ratio of the employed and the retired for the medical insurance fund balance through the econometrics analysis of provincial panel data. In addition, via indepth analysis of fund balance development ignoring the influence of ＇coverage expanding＇, it intended to formulate the special strategy for different areas in order to raise insurance fund balance in the final stages of ＇universal constructive suggestions for the management of the medical medical coverage＇.
出处
《保险研究》
CSSCI
北大核心
2012年第5期97-110,共14页
Insurance Studies
关键词
医疗保险
扩面
职退比
结余
面板数据
medical insurance
coverage expanding
ratio of the employed and the retired
balance
panel data
