商业研究
商業研究
상업연구
Commercial Research
2015年
6期
81~89
,共null页
社会保障 医疗保险 个人账户 基金管理
社會保障 醫療保險 箇人賬戶 基金管理
사회보장 의료보험 개인장호 기금관리
social security; medical insurance; savings accounts; fund management
随着我国社会经济的发展,将绝大多数人纳入社会医疗保险的覆盖范围和“全民医保”成为社会医疗保险制度改革的新目标,个人账户的设置是否仍具有合理性,即个人账户的效率如何成为医保制度改革必须考虑的重要问题。本文基于医保个人账户对社保基金管理的贡献,通过建立计量统计模型,利用2008-2012社保年度微观数据,多维度地评估个人账户的制度绩效。研究结果显示,个人账户未能实现其制度设计初衷,未起到有利于社保基金管理的作用。因此,应逐渐弱化直至取消医保个人账户。
隨著我國社會經濟的髮展,將絕大多數人納入社會醫療保險的覆蓋範圍和“全民醫保”成為社會醫療保險製度改革的新目標,箇人賬戶的設置是否仍具有閤理性,即箇人賬戶的效率如何成為醫保製度改革必鬚攷慮的重要問題。本文基于醫保箇人賬戶對社保基金管理的貢獻,通過建立計量統計模型,利用2008-2012社保年度微觀數據,多維度地評估箇人賬戶的製度績效。研究結果顯示,箇人賬戶未能實現其製度設計初衷,未起到有利于社保基金管理的作用。因此,應逐漸弱化直至取消醫保箇人賬戶。
수착아국사회경제적발전,장절대다수인납입사회의료보험적복개범위화“전민의보”성위사회의료보험제도개혁적신목표,개인장호적설치시부잉구유합이성,즉개인장호적효솔여하성위의보제도개혁필수고필적중요문제。본문기우의보개인장호대사보기금관리적공헌,통과건립계량통계모형,이용2008-2012사보년도미관수거,다유도지평고개인장호적제도적효。연구결과현시,개인장호미능실현기제도설계초충,미기도유리우사보기금관리적작용。인차,응축점약화직지취소의보개인장호。
With the development of social economy, absorbing most people into the coverage of social medical insurance and the ＂universal health care＂ has become the new target of social medical insurance system reform. Whether savings accounts settings are still reasonable has become an important problem that must be considered in the next step of medical insurance system reform. Based on the contribution of the savings accounts to the social security fund, this paper multi - dimensionally estimates the system efficiency of savings accounts by establishing econometric statistical model, and using 2008 -2012 annual micro data of social security. The results show that the savings accounts failed to achieve its system designed original intention, and didn＇t play the role of benefiting social security fund management. Therefore, we should weaken gradually till abolish medical insurance savings accounts.
