| 论医疗保险个人帐户的建制效力 |
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| 引用本文： | 王积全.论医疗保险个人帐户的建制效力[J].甘肃联合大学学报(社会科学版),2006,22(1):69-73. |
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| 作者姓名： | 王积全 |
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| 作者单位： | 中国科学院,寒区旱区环境与工程研究所,甘肃,兰州,730000 |
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| 摘 要： | 本文对我国统账结合的基本医疗保险制度中个人账户的效力进行了分析,认为其医疗费用风险化解能力弱,长期积累面临贬值风险,存在转换成本,并且因为管理成本高而低效率运行.因此选择通过发展社区卫生服务和社区医疗机构建设,建立完善多层次的医疗保障就是一种更可行的、高效率的选择.
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| 关 键 词： | 基本医疗保险 个人账户 效力 管理成本 |
| 文章编号： | 1672-707X(2006)01-0069-05 |
| 修稿时间： | 2005年7月12日 |
On the Effectiveness of Individual Account in China's Basic Medical Insurance Scheme |
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| WANG Ji-quan.On the Effectiveness of Individual Account in China''''s Basic Medical Insurance Scheme[J].Journal of Gansu Lianhe University:Social Sciences,2006,22(1):69-73. |
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| Authors: | WANG Ji-quan |
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| Abstract: | This paper analyzes the effectiveness of individual account in China's basic medical insurance scheme.The author thinks that some problems such as the low ability to mitigate risk,effects of inflation on individual account in nesting period,the cost of scheme transfers,and high administrative cost will reduce the effectiveness.So developing community-based care and medical service scheme for establishing a multi-layer health insurance system is the right choice. |
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| Keywords: | basic medical insurance individual account effectiveness administrative cost |
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