Research On The Urban Employee Basic Medical Insurance Fund Surplus Rationalize Level

Since the urban employee basic medical insurance system (UEBMIS) established in1998, the urban employee basic medical insurance fund (UEBMIF) income and expenditures existed non-equilibrium growth (the Fund’s income growth significantly faster than the fund expenditures), and its lead to the accumulating of its fund surplus expanding increasingly. By the end of2013, China’s urban employee basic medical insurance fund surplus of the year reached144.7billion yuan, the accumulated fund surplus as high as813billion yuan. In other words, even in the absence of the occurrence of the year fund revenues and fund expenditure for the coming year remaining the same premise, the accumulated fund surplus alone can guarantee fund expenditures14months. The huge fund surplus of the urban employee basic medical insurance became one of the hot topics in the field of Social Security in China. If the fund can maintain an appropriate balance level, it can prevent the risk of future medical expenses paid brings, but excessive fund balances might bring harm to the interests of the insured object. High stage of the health insurance fund balance will be what impact and how to achieve the rationalization of urban employee basic medical insurance fund balance level, which is our current needs in-depth study of the problem. We analysis deeply the root causes of high employee health insurance fund balance from the factors affecting urban employee basic medical insurance fund. We accordingly propose how to implement the rationalization of urban basic medical insurance fund balance level policy recommendations against the root causes of high fund balances finally.This paper is divided into six parts in total. The first chapter is the introduction. This chapter includes the background and significance of the topic of this article, literature review (both domestic and foreign literature review), research methods and structures and possible innovations and shortcomings. The second chapter of the status quo of the basic medical insurance fund to sort out and pointed out that the basic medical insurance fund during the operation of the existing problems and the general rules that should be followed. Then the author compared with China’s three basic medical insurance funds at the same time, and starting from the region in recent years, urban workers provinces of basic medical insurance fund comparative analysis.The third chapter, after in-depth analysis of the basic medical insurance for urban workers and fund balances, the author predicted urban basic medical insurance fund under the assumption of balance in the future in order to achieve the basic medical insurance for urban workers to rationalize the level of fund balances.The fourth chapter the author analysis relevant factors affecting urban basic medical insurance fund with empirical research methods and finally pointed out the details leading to excessive urban basic medical insurance fund balance reasons.Chapter five the author choose a typical city as a case study to describe the status of the evolution of the city run basic medical insurance system for urban workers and the urban basic medical insurance fund.The sixth chapter is summarized sections of this paper. The author mainly elaborated in the context of compliance fund "fixed income support, balance of payments, a slight surplus" principle, how to achieve the rationalization of urban employees’ basic medical insurance fund balances levels of specific suggestions.