An Empirical Analysis On The Influencing Factors Of China's Medical Insurance Fund Expenditure Level

In recent years,with the continuous improvement of China's social security system,the growth of medical insurance fund expenditure is gradually greater than the growth of income.This change trend makes the medical insurance fund face the increasingly severe payment pressure.Maintaining the balance of medical insurance fund is the prerequisite and fundamental guarantee for the smooth implementation of the medical insurance system.At the same time,it is of great significance to protect the basic medical rights and interests of the insured and to reduce the medical expenses of the people.How to promote the fund balance and benign development,to meet the people's growing demand for a better life,this paper is expected to explore and answer the question.On the basis of the existing literature,this paper assumes that the population structure,including age structure,sex structure,culture,education,marital status and family structure and social economic development level,including ginseng,urbanization level,income level and the government fiscal capacity)two kinds of factors will affect the level of expenses of medical insurance,and the influence factors of medical insurance fund expenditure level influence mechanism analysis.Based on the panel data of 31 provinces in China from 2011 to 2017 and the estimation method of systematic GMM,this paper empirically analyzes the factors affecting the expenditure level of medical insurance fund and tests the above assumptions.This paper finds that,in terms of demographic structure,the higher the dependency ratio of children and children,the smaller the average number of families,and the higher the level of medical insurance expenditure.This suggests that larger family size increases the ability to fend off health risks and should therefore be encouraged.In terms of the level of social and economic development,the level of medical insurance expenditure has a significant positive correlation with the level of regional insurance participation.In addition,the higher the per capita income level,the lower the level of medical insurance expenditure,indicating that the increase of per capita income of urban and rural residents is an effective way of medical insurance expenditure pressure,which can reduce the burden of medical insurance expenditure by increasing the per capita income of urban and rural residents.At the same time,there is a significant positive correlation between the level of urbanization and the level of medical insurance expenditure,which reflects the large gap between urban and rural areas in terms of medical security.Government fiscal capacity and the level of medical insurance expenditure has significant negative correlation relationship,this could be related to inadequate government financial subsidies to the hospital could prompt medical treatment of hospital charge more increase in medical insurance expenses,therefore should be moderately increasing government fiscal capacity in order to increase government financial subsidies to the hospital,reduce hospital dependence on medical income,reduce the medical insurance fund spending.