The Research Of Financial Management Of Resident Medical Insurance In Shandong Province

According to the principle of "full coverage,basic protection,multi-level and sustainable",China has gradually established a social medical insurance system including resident medical insurance and urban worker medical insurance.Up to now,it has effectively guaranteed the basic medical needs of citizens,dispersed the risk of social diseases,promoted the improvement of national health quality and the development of health care.To ensure the sustainable development of medical insurance is not only for urban and rural residents and their families to reduce the risk of disease for the safety of great significance,but also to maintain social fairness and social stability for the improvement and development of people’s livelihood,and to achieve full completion of the objective of building a well-off society is of great significance.In the background of medical needs of the public,the factors influencing sustainable development of medical insurance increase: the problems of the high medical expenses,the contradiction between doctors and patients,the difficult and expensive medical treatment are yet to be radical,falling back to poverty because of catching diseases,population aging and insurance expenditure pressures continue to increase,the external risks grow with each passing day.Meanwhile,the insurance income of medical insurance has been on the low level for a long time,and the scale of expenditure has been increasing too fast.The sustainability of the financial operation of medical insurance is being threatened.Especially,medical insurance for urban residents as a newly established medical insurance is facing more financial problems,because it covers a wide range of citizens,the payment level is low,and lack of the fund supporting.Therefore,the sustainability study of it plays an important role in improving medical insurance system.This paper is based on improving the financial management level of Shandong residents’ medical insurance.First of all,from the theoretical point of view,the basic concepts and related theories of resident medical insurance are briefly discussed.Based on the existing theories such as public goods theory,risk management theory,financing decision theory,performance evaluation theory and internal control theory,the theoretical basis for improving the financial management of Shandong residents’ medical insurance is constructed.Secondly,through real cases,we empirically study the problems existing in the design and operation mechanism of the resident medical insurance system in Shandong Province,and explore the causes of the problems in a targeted way.Thirdly,introducing some advanced experience of some foreign countries and some provinces in the area of responsibility sharing,market mechanism and cost control by comparison.According to the research results,this paper puts forward countermeasures and suggestions to improve the financial management of Shandong residents’ medical insurance from aspects of improving risk management,optimizing financing structure and improving expenditure performance.