Research On The Safety Of Local Government Medical Insurance Funds Under The Background Of The Reform Of "decentralization, Management And Service"

After more than 30 years of exploration and construction,China's medical insurance has initially established a medical insurance system with a wide coverage and moderate security.With the continuous promotion of the “reforms to streamline administration,delegate powers,and improve regulation and services”,many adaptive adjustments have been made in the field of medical insurance,including policy design and business operation.Through the transfer of government functions,market vitality has been stimulated,and social security fees have been reduced Reduce the burden of enterprises,improve the sense of gain of the insured by improving the security treatment,and enhance the happiness of the insured by simplifying the process.However,we should also be aware that in the implementation of a series of reform measures in the field of medical insurance,the safety of medical insurance funds is facing new risks as well as the enlargement of the original risks,which brings new challenges to the supervision of medical insurance funds.Considering that the construction of medical insurance system in n city is relatively mature,the fund balance is good,and the “reforms to streamline administration,delegate powers,and improve regulation and services” in the field of medical insurance has been implemented in depth,this paper takes N city as an example to study the security status of medical insurance fund in N city under the background of "release management service" reform,based on the analysis of common problems in fund raising,payment and fund structure of medical insurance fund In theory,the security problems faced by medical insurance funds in N city are abstracted into external risks,fund-raising risks,payment risks and management risks,and information asymmetry theory is used to analyze the information asymmetry state that always exists in the game of relevant stakeholders of medical insurance funds,as well as the synchronization of the reform and promotion of cognitive concept,legal framework,medical,medical insurance and other aspects The reasons for the safety risk of medical insurance fund.On this basis,drawing on the advanced regulatory experience of Sanming,Shanghai,Singapore,Germany and other domestic and foreign medical insurance fund payment methods,stakeholder management and other aspects,this paper puts forward suggestions on finding the balance point between the “reforms to streamline administration,delegate powers,and improve regulation and services” and fund security,improving the management ability of social medical insurance agencies and strengthening the propaganda and guidance of medical insurance concept,At the same time,the local government can supervise the medical insurance fund more effectively to ensure the safe,stable and sustainable operation of the fund...