Research On The Efficiency Of Maternity Insurance In China

The 18th session of the Third Plenary Session issued the "Ministry of Human Resources and Social Security,the Ministry of Finance on the appropriate reduction of maternity insurance rates notice",marking the country began to focus on maternity insurance system adjustment and improvement,after this,the Central in March 2016 in the "13th Five-Year Plan" has clearly put forward the maternity insurance and basic medical insurance will be implemented.In the implementation of the merger of the maternity insurance and basic medical insurance,the integration will involve two premium,whether in the integration stage to reduce the maternity insurance rates,and what percentage of the rate should be retained to reduce the space,the State Council and related Departments are not given a clear prediction.After the implementation of the two insurance merger,the corresponding rate of maternity insurance will cut at different levels,and it will also have different effects on the efficiency of the maternity insurance.The purpose of this paper is to explore how to adjust the rate of maternity insurance under the premise of the two insurance merger,and to explore the change of the efficiency of maternity insurance under the policy of two insurance merger.By using the national maternity insurance statistical data from 2004 to 2013,the historical efficiency of maternity insurance was evaluated by means of Data Envelopment Analysis.Then,through the experimental design,the state of maternity insurance and medical insurance for urban workers was simulated in 2008-2013.At the same time,under the implementation of the merger policy to design the seven groups of maternity insurance rate adjustment program,the use of Data Envelopment Analysis and comparison of policy implementation before and after the maternity insurance policy changes,and the 7 groups after the implementation of the rate adjustment and two insurance merger under the policy of maternity insurance efficiency is introduced.Finally,the effect of maternity insurance efficiency is compared with the elasticity of the rate,and the effects of the seven rates adjustment schemes are compared and analyzed from the perspective of maternity insurance efficiency and elasticity.The empirical study shows that First,the efficiency of maternity insurance in eastern China is significantly higher than that in the central and western regions before and after the policy of combining the two insurance policies.Secondly,the efficiency of maternity insurance after the combination of maternity insurance and basic medical insurance policy is obviously higher than that of without implementing merger policy efficiency value.Thirdly,under the premise of implementing the policy of combining the two insurance,the greater the reduction rate of the maternity insurance rate,the stronger the effect on the improvement of maternity insurance efficiency.Fourth,for many provinces in the eastern,when the implementation of two insurance policy if the maternity insurance rate if the rate of increase is too small,the province may be no change in the efficiency of maternity insurance situation.Therefore,it is suggested that the state should actively promote the implementation of the policy on the merger of maternity insurance and basic medical insurance,and increase the rate of maternity insurance premium when the two rates are integrated.At the same time,it can be combined with the development level of the maternity insurance system,Select the appropriate provinces as a policy pilot area.Through literature search,there are no data envelopment analysis methods applied to maternity insurance and other social insurance efficiency research.In the part of experimental design,the paper takes the generalized data envelopment analysis instead of the traditional BC2 model,so that the time series and the panel data can be combined and analyzed.However,since the data on maternity insurance statistics for 2014-2016 has not yet been published,the experimental design can only be set in 2008-2013,so the predicted results may deviate from actual results in the future.In addition,the development of domestic maternity insurance system is not mature,and related research less,the paper can only be based on the initial maternity insurance and health insurance in the compensation mechanism to simulate the commonality of the two insurance state,resulting in empirical research assumptions premise or the existence of imperfections.