摘要
社会医疗保险"系统老龄化"必将增加基金支付风险,从而影响制度的持续健康运行。文章根据基金长期精算平衡的原理,提出社会医疗保险纵向平衡费率这一概念,并运用寿险精算与非寿险精算相结合的方法,建立纵向平衡费率计算模型,再以浙江省杭州市本级的数据进行实证分析,为制定降低社会医疗保险基金风险的政策提供科学依据。
The'structureaging'trend of social medical insurance system will increase the fund risk and then affect the development of the system.Based on the life actuarial science with nonlife actuarial science,this paper constructs a model to calculate the vertical balanced rate of the basic medical insurance system based on the longterm fund balance,and tests it by using the data of the basic medical insurance system for urban workers in Hangzhou.The vertical balanced rate provides scientific basis for relieving the payment pressure of social medical fund.
出处
《中国人口科学》
CSSCI
北大核心
2010年第3期88-94,共7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:70873176)
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
