The Measurement Of The Balance Of Funds And Pensions After The Integration Of Maternity Insurance Into Basic Urban Staff Medical Insurance

Fertility not only involves the continuation of a family's blood,but also the foundation of a nation's prosperous development.However,the development of China's maternity insurance is relatively weak.According to statistics,in 2016 and 2017,the national maternity insurance fund has experienced deficits for two consecutive years,with growth rates exceeding 40.%.As far as the insurance fund is concerned,the need for reform of the maternity insurance policy by the state and local governments is very urgent.Therefore,in January 2017,the State Council promulgated a plan to integrate maternity insurance into urban workers' basic medical insurance reform in Chongqing and other places.On March 25,2019,the implementation rules for comprehensively promoting the merger of the two risks were issued,marking Formal merger of maternity insurance and medical insurance.According to the implementation rules,the maternity fund is incorporated into the medical insurance pooling fund account after the implementation of the employee medical insurance fund,and the maternity benefit expenditure item is set in the employee basic medical insurance pooling fund treatment expenditure.The maternity insurance fund can co-ordinate with the employee medical insurance fund..In terms of maternity insurance,domestic research focuses on how to improve the maternity insurance system itself.More scholars have proposed to extend maternity insurance into medical insurance to expand the coverage of maternity insurance.In terms of urban workers' medical insurance,many scholars believe that with the aging of China's population,urban workers' medical insurance funds face two challenges.First,changes in the age structure of the population have reduced the ratio of in-service retirement,which in turn has led to medical treatment.The income of the insurance fund is reduced.Second,the increase in population aging has led to a rapid increase in medical expenses,which in turn increases the expenditure on medical insurance funds.These two pressures may cause the employee medical insurance fund to face imbalances in the future.Therefore,the purpose of this study is to analyze the influencing factors affecting the balance of funds after integration in the case of maternity insurance and medical insurance sharing a fund pool.Under the current demographic structure and economic level,From the perspective of balance of payments,based on the integration plan to calculate the overall fund revenue and expenditure,study the long-term sustainability of the fund after the integration of the two insurances,and maintain the medium and long-term in the case of the current payment ratio plus the same treatment.The balance of the fund.The first chapter is mainly about the background of the topic selection.Firstly,it introduces the background of the research on the merger of the two insurance funds and the purpose and significance of the research.Secondly,it reviews the domestic and foreign references,including maternity insurance,merger of two insurances and fund calculation.References.Finally,explain your research methods and the innovations and shortcomings of the paper.The second chapter is the definition and theoretical basis of related concepts.The concept of maternity insurance,basic medical insurance and fund balance is simply defined.In 2017,due to the integration of maternity insurance into urban employee medical insurance,the original birth will be The insurance and employee basic medical insurance fund is merged into the new employee basic medical insurance fund account management after the merger and implementation,and the income of the maternity insurance fund is no longer listed.Therefore,this paper believes that the urban employee medical insurance pooling account fund should include the maternity insurance fund after 2018..The third chapter is about the integration of the two insurances and the operation of the fund.Firstly,it introduces the historical development of the two systems.Then it analyzes the specific policy provisions and pilot conditions of the merger of the two insurances.Finally,it analyzes the balance of income and expenditure of the two insurance funds.Introduce the factors that affect the balance of funds after the merger of the two risks.It is believed that the fund income and expenditure of urban workers' basic medical insurance is currently in a balanced stage,but the growth rate of fund expenditure is greater than the growth rate of fund income,and the accumulated balance is gradually decreasing.In the future,it may face the risk of imbalance of income and expenditure;maternity insurance is subject to birth policy The impact of the current fund balance has been affected,but the current fund balance is affected,but because the maternity insurance fund balance is sufficient,in the long run,because the fertility rate has not increased significantly,the risk of imbalance in income and expenditure in the future is small.The analysis of the influencing factors after integration is that under the current demographic structure and economic conditions,the number of participants will change and the medical expenses will increase.Second,the liberalization of the “two-child policy” will affect the number of new-born populations and thus the collection.The number of maternity benefits;third,under the integration policy,the number of participants will increase and the number of people enjoying the benefits will increase;these three factors can affect the overall balance of funds after the integration.The fourth and fifth chapters are the empirical part of this paper.In terms of fund income,firstly,by setting a reasonable fertility level and mobility,using static mortality,using the Leslie population prediction model to calculate the resident population data by age,then assume a reasonable labor participation rate,towns Rate,urban employment rate and participation rate to measure the number of contributors,use the mortality rate to measure the retirement population;reuse the fund income,fund expenditure model,set reasonable parameter assumptions,and coordinate the urban employee medical insurance co-ordination account(including maternity insurance)The fund income and the fund expenditure(including maternity insurance)level of the urban employee medical insurance co-ordination account are measured;the following conclusions are drawn: the current balance of the fund account will be short-term by 2034,and the accumulated balance can support the medical care without considering the income.Expenses and maternity expenses are 0.45 years,in the state of insufficient fund balances,and the accumulated balances are negative by 2044.In order to maintain the balance during the measurement period,if units and individuals need to increase the proportion of contributions,the proportion of unit contributions will increase to 9.09% by 2050,individuals.The contribution rate is 2.14%.Finally,this paper makes a sensitivity analysis on medical expenses,maternity benefits,average wages and retirement age.The sixth chapter is the conclusions and recommendations of this paper.Through the above empirical measurement and sensitivity analysis,raising the payroll wage,delaying the retirement age and controlling the increase of medical expenses will increase the sustainability of the fund,then how to better coordinate the fund income and expenditure becomes a must for the fund to operate smoothly.Road,this article will make recommendations from the fund revenue and expenditure,fund management and other aspects.In terms of innovation,we first study the innovation of content.Since the country proposed a pilot program for maternity insurance to be integrated into basic medical insurance in 2016,few papers studied the feasibility and risks of mergers and acquisitions from the fund level.The second is the innovation of research perspective.This paper takes a pilot city as an example to calculate the balance of funds and liabilities after the merger of the two risks.The model is combined according to the data of the number of people participating in medical and maternity insurance,the average salary of employees and the growth rate of wages.The contribution rate is used to measure the fund's income level,and then the fund's expenditure level is measured based on the number of people who are treated after the merger,the hospitalization rate,the reimbursement rate,and the medical expenses.The research on the merger of the two insurances has certain reference value.