Study On The Operational Risk And Countermeasures Of Basic Medical Insurance Fund For Employees In Anhui Province

The medical insurance system,as one of the key livelihood projects of the country to promote people’s livelihood,has solved the basic medical needs of residents to a great extent.As the most important part of the national basic medical insurance,the employee basic medical insurance system not only solves the problem of seeing a doctor,but also guarantees the national social security and economic and social development,providing a solid foundation for the comprehensive establishment of China’s basic medical insurance system.However,in the process of continuous development,the fund is facing more and more risks and challenges.The basic medical insurance system for employees in Anhui has been improving and developing day by day,and the total income and payment scale of the fund are also expanding.As a result,there are various risks in the normal operation of the fund.To ensure the normal operation of the medical insurance fund for employees,this paper takes the theory of information asymmetry and social moral hazard and the theory of market failure of public goods and services as the cornerstones.This paper analyzes the status of employees’ medical insurance fund’s participation,expenditure and balance from various aspects,and determines the current normal operation of Anhui employees’ medical insurance fund.Based on the overall fund of Anhui employees’ basic medical insurance fund from 2011 to 2020,it forecasts the expenditure of Anhui employees’ basic medical insurance fund from 2021 to 2040 by using the grey prediction model.The results from various aspects show that the overall fund of employees’ medical insurance may exist in the current period in the future.Including the risks of weak economic and social development,enterprises’ arrears in payment,false payment base,and policy formulation;The care and market,and the risk that the fund can’t meet the expenditure in the current period;and the management of illegal operation,supervision,balance use single risk.make the basic medical insurance fund for employees in Anhui province develop continuously in the future.