【摘要】：研究背景及目的:生育保險(xiǎn)和基本醫(yī)療保險(xiǎn)之間存在著密切的聯(lián)系,尤其是生育保險(xiǎn)中的醫(yī)療費(fèi)用這部分,國(guó)外一般都將生育保險(xiǎn)作為醫(yī)療保險(xiǎn)的一個(gè)子項(xiàng)目而存在。目前,為了應(yīng)對(duì)老齡化及低生育率的問題,“全面”二孩政策放開,生育保險(xiǎn)制度面臨的是接乲而來的二胎生育問題,這也是一項(xiàng)挑戰(zhàn)。因此,國(guó)家啟動(dòng)了生育保險(xiǎn)和職工基本醫(yī)療保險(xiǎn)合并實(shí)施試點(diǎn),為兩險(xiǎn)的完全整合探索道路。兩險(xiǎn)合并,統(tǒng)一參保登記、統(tǒng)一基金征繳和管理、統(tǒng)一醫(yī)療服務(wù)管理、統(tǒng)一經(jīng)辦和信息服務(wù)、職工生育期間生育保險(xiǎn)待遇不變。兩險(xiǎn)合并通過整合兩項(xiàng)保險(xiǎn)基金及管理資源,擴(kuò)大了參保范圍,強(qiáng)化基金共濟(jì)能力,提高了生育保險(xiǎn)基金的利用率,提升管理綜合效能,降低管理運(yùn)行成本。但是,我們也應(yīng)該看到,生育保險(xiǎn)制度相關(guān)的一些問題,是通過合并解決不了的,我們有必要進(jìn)行深入地探討。本文通過對(duì)這些問題的研究,試圖尋找一些可行之策,為生育保險(xiǎn)制度的完善及相關(guān)問題的解決提供對(duì)策建議。研究方法:本文主要采用文獻(xiàn)研究方法和比較分析方法。一方面,在前期,本文運(yùn)用書籍、互聯(lián)網(wǎng)等查閱了許多資料,其中包括生育保險(xiǎn)制度的政策、相關(guān)學(xué)者專家觀點(diǎn)、最新的社會(huì)評(píng)論、學(xué)術(shù)期刊論文、統(tǒng)計(jì)資料、報(bào)告等,為論文前部分的生育保險(xiǎn)制度問題研究做好堅(jiān)實(shí)的理論支撐和資料準(zhǔn)備。另一方面,通過對(duì)我國(guó)生育保險(xiǎn)試點(diǎn)地區(qū)生育保險(xiǎn)合并前后的情況比較,以及通過對(duì)不同國(guó)家生育保險(xiǎn)制度的比較,找出可以借鑒的方法與經(jīng)驗(yàn)。研究?jī)?nèi)容:本文從生育保險(xiǎn)的理論基礎(chǔ)入手,為下文提出我國(guó)生育保險(xiǎn)制度相關(guān)的問題及對(duì)策作鋪墊。對(duì)相關(guān)概念進(jìn)行厘定,從而使讀者能夠更好地了解本文的中心論點(diǎn)。接著,文章介紹了國(guó)外生育保險(xiǎn)制度,歸納國(guó)外可借鑒的經(jīng)驗(yàn)。再次,介紹了我國(guó)生育保險(xiǎn)的建立和現(xiàn)狀。然后,對(duì)我國(guó)并入醫(yī)療保險(xiǎn)的生育保險(xiǎn)制度的尚存問題進(jìn)行分析。最后,依據(jù)全文內(nèi)容進(jìn)行總結(jié),提出建立與生育保險(xiǎn)制度相對(duì)應(yīng)的鼓勵(lì)生育政策,出臺(tái)相關(guān)法律保護(hù)婦女就業(yè),強(qiáng)化個(gè)人責(zé)任,建立自身能夠精算平衡的制度等對(duì)策與建議。創(chuàng)新點(diǎn):本文的創(chuàng)新之處在于在“兩險(xiǎn)”與“兩孩”的疊加背景下,在新的階段來探討生育保險(xiǎn)相關(guān)的問題,對(duì)生育保險(xiǎn)制度的進(jìn)一步改革深化發(fā)展具有積極的意義。
[Abstract]:Research background and objective: there is a close relationship between birth insurance and basic medical insurance, especially in the part of medical expenses of birth insurance, which is generally regarded as a sub-item of medical insurance abroad. At present, in order to deal with the problem of aging and low fertility rate, the "comprehensive" two-child policy is liberalized, and the birth insurance system is faced with the problem of second-child birth, which is also a challenge. Therefore, the country initiated the birth insurance and the worker basic medical insurance merge to carry out the pilot, for the two insurance complete conformity explores the road. Two insurance amalgamation, unified attend to protect register, unified fund collection and management, unified medical treatment service management, unified administration and information service, worker birth insurance treatment does not change during birth. Through the integration of two insurance funds and management resources, the combination of the two insurance risks expands the scope of insurance participation, strengthens the mutual aid ability of the funds, improves the utilization rate of the fertility insurance funds, enhances the comprehensive efficiency of management, and reduces the operating cost of the management. However, we should also see that some problems related to the birth insurance system can not be solved through merger. Through the study of these problems, this paper tries to find some feasible ways to improve the birth insurance system and to solve the related problems. Research methods: this paper mainly adopts literature research method and comparative analysis method. On the one hand, in the early stage, this paper used books, the Internet and so on to consult a lot of materials, including the policy of the birth insurance system, the views of relevant scholars and experts, the latest social reviews, academic journal papers, statistics, reports, etc. For the first part of the paper the birth insurance system research to do a solid theoretical support and data preparation. On the other hand, by comparing the situation before and after the birth insurance amalgamation in China's fertility insurance pilot areas, and by comparing the birth insurance systems in different countries, we can find out the methods and experiences that can be used for reference. Research content: this paper starts with the theoretical basis of birth insurance, and paves the way for putting forward the related problems and countermeasures of our country's birth insurance system. The relevant concepts are defined so that readers can better understand the central point of this paper. Then, the article introduces the birth insurance system of foreign countries, and sums up the experience of foreign countries. Thirdly, it introduces the establishment and present situation of birth insurance in China. Then, the author analyzes the remaining problems of the birth insurance system incorporated into medical insurance in our country. Finally, based on the summary of the full text, the author puts forward some countermeasures and suggestions, such as establishing the policy of encouraging the birth insurance corresponding to the birth insurance system, introducing relevant laws to protect women's employment, strengthening personal responsibility, and establishing a system of actuarial balance. Innovation: the innovation of this paper is that under the superposition of "two risks" and "two children", it is of positive significance for the further reform and development of the birth insurance system to discuss the related problems of birth insurance in the new stage.
【學(xué)位授予單位】：廣西醫(yī)科大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.617

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