The supervision policies and measures of the medical insurance fund should establish a three-island pass, who is responsible for the fund's revenue and expenditure management and examination and approval. Third, supervision and supervision cooperate. Only in this way can the security of the medical insurance fund be guaranteed. Because the money is used to treat patients and save lives, the state must strictly control it.

suggestion

China's medical security system faces many problems such as long management chain and difficult balance because of its wide coverage, many stakeholders and complex operating mechanism. At present, there are a lot of illegal acts in the field of medical insurance in China, which affects the sustainable development of medical insurance system. The fundamental reasons are as follows: first, the medical insurance fund faces the moral hazard behavior of all stakeholders caused by information asymmetry. Second, China's current medical insurance supervision system has some problems, such as imperfect system, inadequate measures, extensive management and lack of effective credit mechanism for moral hazard prevention and control. Third, the particularity of medical service demand, the uncertainty of disease occurrence and cost, and the indirectness of medical insurance fund paid by a third party make supervision more difficult. Various factors have brought great pressure on capital supervision and balance of payments.

At the end of 2065438+2006, the General Office of the State Council issued "Guiding Opinions on Strengthening the Construction of Personal Credit System" (hereinafter referred to as "Guiding Opinions"), calling for speeding up the construction of personal credit records and improving the level of social credit. The Guiding Opinions clearly put forward that medical and health care should be one of the key breakthroughs in promoting credit construction in many industries and regions. This provides a policy guarantee for the establishment of medical insurance fund supervision credit system.

The so-called medical insurance fund supervision credit system requires all parties involved in the medical market to establish a credit evaluation index system for medical insurance fund supervision while adhering to the credit concept, and take the evaluation results as the main standard for the allocation and use of medical insurance funds, and constrain the behavior of all stakeholders according to the credit status. Constructing and perfecting the supervision credit system of medical insurance fund is of great significance for ensuring the safety of the fund and improving the efficiency of use.