Research On The Urban Employee Basic Medical Insurance Fund Surplus Of China

Urban employee basic medical insurance reform since1998, the accumulation of urban employee basic medical insurance fund scale expands unceasingly. By the end of2012, the balance of our country town worker is basic medical treatment insurance is688.4billion yuan RMB, the balance as a whole fund418.7billion yuan RMB, in guarantee under the premise of unchanged, can pay the fund expenditure of17months, a huge fund surplus, aroused the universal concern of all. Moderate surplus can resist the risk of medical payment, surplus too much could damage the interests of the beneficiaries. Medical insurance fund in our country at present stage huge amount of fund is too much or modest, it need us to make in-depth analysis research. This article takes our country urban employee basic medical treatment insurance fund surplus as the research object, using literature analysis, comparative analysis and Inductive analysis, to our country town worker is basic medical treatment insurance generalizes the development course, analyses the present situation of the fund surplus, probing into the cause of the influence fund surplus, finally combining with the actual situation of our country, put forward the policy suggestions to perfect the employee basic medical insurance fund surplus.This article is divided into five parts. The first part is the introduction, elaborated the paper selected topic background and significance, domestic and foreign literature review, research content and method, the possible innovation points and the shortage of this article.The second part introduces the principle of the implementation of the basic medical insurance for urban employee in China and the development of basic medical insurance.The third chapter of our country urban employee medical insurance fund surplus scale and structure are analyzed.The fourth chapter discusses the influence urban employee medical insurance "charge" and "spending" related influencing factors, and analyzed the cause urban employee basic medical insurance fund excessive surplus.The fifth chapter is mainly on the basis of above analysis combined with the actual situation of our country brings forward countermeasures on urban employee basic medical insurance fund surplus.