机构地区: 浙江大学公共管理学院
出 处: 《中国人口科学》 2010年第3期88-94,共7页
摘 要: 社会医疗保险"系统老龄化"必将增加基金支付风险,从而影响制度的持续健康运行。文章根据基金长期精算平衡的原理,提出社会医疗保险纵向平衡费率这一概念,并运用寿险精算与非寿险精算相结合的方法,建立纵向平衡费率计算模型,再以浙江省杭州市本级的数据进行实证分析,为制定降低社会医疗保险基金风险的政策提供科学依据。 The'structureaging'trend of social medical insurance system will increase the fund risk and then affect the development of the system.Based on the life actuarial science with nonlife actuarial science,this paper constructs a model to calculate the vertical balanced rate of the basic medical insurance system based on the longterm fund balance,and tests it by using the data of the basic medical insurance system for urban workers in Hangzhou.The vertical balanced rate provides scientific basis for relieving the payment pressure of social medical fund.
领 域: [经济管理]