Fund Balance Of Payments Equilibrium Perspective Study Birth Insurance System In China

Maternity insurance as an important part of the social security system can protect women’s health, improve the quality of the population, guarantee fair employment of women. And this is also the focus of attention of the community. But in the implement ation process there are still many obstacles and resistance. Resedrch and analysis of the resistance of our current maternity insurance system encountered in the implementation process can perfect maternity insurance system in China to improve the quality of the population, and promote healthy and orderly development of socio-economic. Firstly, cost-utility theory, women’s reproductive health theory, human capital theory, Maslow hierarchy of needs theory, income distribution theory are used as the theoretical support of research on maternity insurance. Secondly, by the review of the maternity insurance system in China and contrast of several local maternity insurance on timing and content, we can find there is different from place to place and unbalanced in every regions. Thirdly, from the angle of maternity insurance fund the balance of payments equilibrium in China from2001-2010, we can find kinds of implicit contradition, with the contrast of the number who take part in maternity insurance, the number who enjoy the treatment, the level of per capita treatment, the average wage of workers in cities, the level of GDP per capita. And I analyze the kinds of implicit contradiction and their negative impacts on the existing basis. Fourly, I predict the rate of number who take part in maternity insurance and the rate of number who enjoy the maternity insurance. Then I predict the income and expenses and cash surplus of the fund of maternity insurance under two different rate standards in Shaanxi from2011to2020. By contrast and analysis, I get a relatively reasonable level of rate. Last but not least, I give a possible method from five respects:the number who take part in maternity insurance, the treatment level of who enjoy the maternity insurance, the management of fund, the employment of women, the level of legislation, the awareness of taking part in the maternity insurance. And I hope these suggestion can provide a feasible method for the maternity insurance system in China.