Оценка системы финансирования ОМС
Compulsory health insurance — one of the most important elements of system of social protection of the population regarding health protection and receiving necessary medical care in a case. The purpose of article is detailed studying and the analysis of model of financing of obligatory medical insurance in connection with adoption of the Federal law upon November 29, 2010 N 326-FZ “About obligatory medical insurance in the Russian Federation”. For achievement of a goal it is necessary to consider the following aspects: the principles and essence of system of compulsory health insurance, participants of the market of obligatory medical insurance and their role in system, financial security of compulsory health insurance and its feature.
There is an evidence that today health spending efficiency in Russia is low: comparing Russia to foreign countries shows that, considering current expenditures, a number of medico-social variables reflecting healthcare effectiveness, e.g. life expectancy, mortality and equity in access to healthcare, can be improved. The article examines causes that deteriorate health spending efficiency: imbalance in Program of state guarantees in health, structural disproportion in health spending sources, the lack of universal outpatient drug provision program and inadequate motivation of health professionals. The authors also examined possible measures aiming to solve stated problems.
In article the market of medical insurance is analysed, specifics of the market in St. Petersburg are studied, the problems disturbing to development of medical insurance are formulated and ways of their decision are presented, and also some forecasts concerning growth and development of this type of service in St. Petersburg are submitted.
The paper examines the structure, governance, and balance sheets of state-controlled banks in Russia, which accounted for over 55 percent of the total assets in the country's banking system in early 2012. The author offers a credible estimate of the size of the country's state banking sector by including banks that are indirectly owned by public organizations. Contrary to some predictions based on the theoretical literature on economic transition, he explains the relatively high profitability and efficiency of Russian state-controlled banks by pointing to their competitive position in such functions as acquisition and disposal of assets on behalf of the government. Also suggested in the paper is a different way of looking at market concentration in Russia (by consolidating the market shares of core state-controlled banks), which produces a picture of a more concentrated market than officially reported. Lastly, one of the author's interesting conclusions is that China provides a better benchmark than the formerly centrally planned economies of Central and Eastern Europe by which to assess the viability of state ownership of banks in Russia and to evaluate the country's banking sector.
The paper examines the principles for the supervision of financial conglomerates proposed by BCBS in the consultative document published in December 2011. Moreover, the article proposes a number of suggestions worked out by the authors within the HSE research team.