Research On Risk Management Of Social Medical Insurance

The social medical insurance attaches the primary importance to the social benefits. It's highest objective is to safeguard people's physical and moral integrity, promote the economic development and maintain social stability. In order to enable the social medical insurance to operate steadily and has the ability to withstand risk for satisfying our urban workers'basic medical security level, using the theory of risk management to operate the social medical insurance fund is very imperative.There are many risk factors which affect the social medical insurance fund of our country, so the author of this paper considers that analyzing the risks systematically and comprehensively is the research foundation of the social medical insurance fund. At the same time, the main aim of carrying on the risk management to the social medical insurance fund is to balance the income and the expenses. Considering the multitudinous factors which influence the balance of the social medical insurance fund, this paper has established the model of fund's balance, and discussed the quantitative relationship of the main variables by carrying on the real diagnosis analysis with the past data. Finally, basing on the physical circumstance of medical insurance for urban workers in our country and considering many factors, such as the population growth rate and the proportion between the pooling account and the individual account, this paper has applied the overlapping generations model and the concept of the equilibrium in the capital market of macro-economics to the process of risk management to the society medical insurance, and then established the optimal model of the social medical pooling fund.