Research On The Problems And Countermeasures Of Tongchuan Medical Insurance Fund Operation Supervision

China regards ensuring and improving people’s livelihood as a long-term work.Medical security is an important work related to the vital interests of the whole people.At present,the medical security system with Chinese characteristics is gradually being established and improved.There are a large number of insured people and a huge amount of medical insurance funds in China.Therefore,the medical insurance fund has also become "Tang Monk meat",facing more and more risks.In order to realize the safe and stable operation of the medical insurance fund,It needs more attention,understanding and research.Tongchuan City in Shaanxi Province is a special city with a high urbanization rate.The aging process is relatively advanced in the country.The basic medical insurance system is also representative,which indicates the problems that most cities in the country will face in the future.The total scale of Tongchuan medical insurance fund is not large,but there has been a situation that the income can not cover the expenditure.The medical insurance fund is facing great operating pressure.In addition,there are many loopholes and risks in the operation of the medical insurance fund.In order to effectively ensure the actual use of the medical treatment money of the people in Tongchuan and ensure the sustainable long-term operation of the medical insurance fund,after sorting out and studying the concepts of the operation of the medical insurance fund and the mode of fund supervision in detail,After consulting the Yearbook of Tongchuan City in recent years and the relevant data of human resources and Social Security Bureau and medical insurance bureau,this paper combs the medical insurance fund management policies issued by Tongchuan City,and analyzes the data of collection,expenditure and management of medical insurance fund in Tongchuan City in recent years.It is found that the operation risk of income over expenditure in the current period is relatively large,and the medical insurance fund has the risk of "bottom penetration".There are many reasons for the collection,payment and management risks of Tongchuan medical insurance fund.The collection and payment aspects are mainly that the residents’ insurance "adverse selection" is obvious and the financing method is relatively single;In terms of expenditure,the degree of aging is serious and the scale of medical personnel going out is increasing year by year;In terms of management,it is mainly because the system integration is not in place,the work efficiency is limited,the policy publicity is not enough,and the people’s awareness of participation is not strong.In order to promote the safe and stable operation of the medical insurance fund,prevent and resolve various risks,we should take overall consideration and comprehensive measures,improve the fund collection Branch,strengthen the fine management of the "two fixed institutions",optimize the internal and external resources of fund supervision,and improve the credibility of the government,so as to ensure the safe and sustainable operation of Tongchuan medical insurance fund.