摘要
在人口老龄化背景下,退休年龄不变、退休后不缴费的政策,必然导致基本医疗保险"系统老龄化"。文章运用寿险精算与非寿险精算相结合的方法,建立分析模型揭示了这一趋势,研究"系统老龄化"对基本医疗保险基金的影响,并以Z市社会医疗保险中心提供的数据进行测算分析。在此基础上,提出完善制度以降低"系统老龄化"程度,进而降低基金风险、实现基本医疗保险制度持续健康运行的若干政策建议。
With population aging,a number of problem soccur,one of which is that if retirement age remains unchanged and retirees do not need to pay the insurance premium ,there must be a trend called 'structure-aging'of basic medical insurance system .Combing the life actuarial science with non-life actuarial science and establishing analysis model,this paper studies the trend.Based on the data provided by city Z,we discuss the effect of structure-aging on the long-term balance of medical funds.On this basis,the paper recommends policy proposals on reducing the structure-aging degree and eliminating the fund risk,for achieving a sustained and healthy basic medical insurance system .
出处
《中国人口科学》
CSSCI
北大核心
2009年第2期74-83,共10页
Chinese Journal of Population Science
基金
国家自然科学基金项目"基于长期精算平衡的基本医疗保险最低缴费年限研究"(项目批准号:70873106)
国家软科学研究项目"退休政策对医疗保险基金的影响及对策研究"(编号:2006GXQ3B199)资助
