摘要
在新医改背景下,国家将进一步加大对卫生事业的财政投入力度。但由于管理制度的不完善,在加大投入的同时资金流失的风险也在增加,从而影响医保基金的安全运行。文章以完善医保基金管理制度为目的,以医保基金运行中存在的现实问题为视角,分析出建立基本医疗保险准备金制度的必要性,提出在医保基金中预先提取一定比例的资金作为准备金,可用以抵御来自'人口老龄化'、违规行为等原因带来的医保基金运行风险。作为事后的资金保障,'准备金制度'可以有效的保障医保基金的安全有效运行。
With the background of new health care reform,the government wil increase financial input in health service.Because of the imperfection of the management system,the risk of lossing the funds is increased with the extra input.That is the reason what af ects the security operation of health insurance funds.The purpose of this paper is to improve the management system of medical insurance funds.In this paper we analysis the necessity of basic medical insurance reserve requirement system from the perspective of the the current problems.By the methods of extracting certain proportion in the health insurance fund,the country establish a basic medical insurance reserve system,and resist the health insurance fund operation risk which is caused by'aging population',violation and so on,and realize the safe and ef ective operation of medical insurance fund.
作者
王迪娜
赵伟丽
WANG Di-na;ZHAO Wei-li(The Second Affiliated Hospital of Harbin Medical University,Harbin 150086,Heilongjiang,China))
