Research On Employee Basic Medical Insurance Fund Balances Of City B

The social basic medical insurance fund is the lifesaving money and curative money for the insured people,facing the challenge of aging population,high inflation level and no effective means of maintenance and appreciation of values,staying devaluation for a long time,and how to manage the fund safely and efficiently to realize its maintenance and appreciation of values and its long-term payment capacity is an important subject for administrative departments of the basic medical insurance fund at all levels.This paper takes the management of the balance of employee basic medical insurance fund in B city as the research object,introducing the current status of management of income and expenditures and balance of employee basic medical insurance fund inB city,pointing out the current problems of the conservative concept of management of the balance of basic medical insurance fund,the single investment mode and the serious depreciation,etc.At the same time,using the previous year’s date of income and expenditure to forecast the income and expenditure situation of employee basic medical insurance fund in the next 20 years in B city,getting the estimated results that there may be no balance in 2031,or even the deficit of balance of funds in 2036,which further explained the necessity to manage the balance of employee basic medical insurance fund to maintain and increase its value.On this basis,we explained the policy basis for diversified investment in medical insurance funds,assuming that the balance of the employee medical insurance fund of B city is invested in these three types of assets: bank deposits,securities,and bonds,using Markowitz’s mean-variance theory to establish a portfolio model for the employee basic medical insurance fund of B city,using relevant data for empirical analysis and derive different investment portfolios for different levels of income.At last,making suggestions that greatly broaden the investment channels for social medical insurance funds,incorporate personal account funds into integrated management,establish supervisory system,to continuously improve the ability of medical insurance funds to maintain and increase their value and respond to risks that may arise in future.