财经理论与实践2025，Vol.46Issue(3)：49-56,8.DOI:10.16339/j.cnki.hdxbcjb.2025.03.007
何以化解基本医疗保险基金支付风险
How to Resolve the Payment Risk of the Fund of Basic Medical Insurance
摘要
Abstract
Based on data from the Seventh National Population Census and the China Family Panel Studies(CFPS),this study systematically constructs population prediction and medical insurance actuarial models to thoroughly analyze the long-term financial operation status and fis-cal burden of the basic medical insurance fund.The research finds that increasing the fertility rate can significantly mitigate the deficit risk of the medical insurance fund and alleviate fiscal pressure.Implementing reforms such as slowing the growth rate of medical expenses,fully im-plementing outpatient mutual-assistance guarantees,and delaying the retirement age can further reduce the fiscal burden.In light of this,it is imperative to accelerate the improvement of the fer-tility support system,broaden the fundraising channels for the medical insurance fund,and en-hance the modern governance capacity of medical insurance.关键词
"全面三孩"政策/基本医疗保险/基金可持续/财政负担Key words
universal three-child policy/basic medical insurance/fund sustainability/fiscal burden分类
管理科学引用本文复制引用
张心洁,喻霞..何以化解基本医疗保险基金支付风险[J].财经理论与实践,2025,46(3):49-56,8.基金项目
国家自然科学基金面上项目(72174078) （72174078）
江苏高校"青蓝工程"资助项目(2022) （2022）
