Study on some factors influencing the financial balance of health insurance scheme

日本全民健康保险计划始于1961年。该计划由许多不同的计划组成，反映了日本的社会保险制度是以被保险人的工作场所为中心，以小组为基础发展起来的。本研究通过对财政平衡报告中213个项目中的20个项目的分析，探讨了该计划中1570个社会的财务平衡的影响因素。结果表明：1)每个社会的一般财务平衡既受企业类型的影响，又受社会类型的影响，但前者的影响比后者更大；2)根据各因素之间的相关分析结果，“参保人平均年龄”不仅与“每个社会的一般财务平衡”呈高度相关，而且与许多其他因素也呈高度相关。3)“参保人数”并没有直接影响“每个社会的一般财务平衡”，而是反映了社会的财务稳定性。4)为了显示每个社会的综合特征，“参保人的月平均标准工资”、“企业类型”、5)在剔除分析中的混杂因素后，可以证明“被保险人的月平均标准工资”和“被保险人的平均年龄”在统计上对“每个社会的一般财政平衡”有显著的影响。

The Health Insurance Scheme for the whole Japanese population started in 1961. The scheme consists of many different schemes, reflecting the fact that the Japan's social insurance system has developed on a group-by-group basis centering on the insured's working place. Among them, the Society-managed Health Insurance has been finacially better-managed than the others.This study disucussed on the factors influencing the financial balance of 1570 societies in this scheme from 1974 to 1981, by analyzing 20 of 213 items obtained from the report on a financial balance.The results are summarized as follows.1) The ordinary finacial balance of each society is influenced by both "the type of enterprise" and "the type of society", while the former is more influential than the latter.2) According to the result of the correlation analysis among the factors, "the mean age of the insured persons" shows a high correlation not only with "the ordinary finacial balance of each society" but also with many other factors.3) "The number of insured persons" has not directly influenced "the ordinary financial balance of each society", but shows the finacial stability of the society.4) To show the synthetical character of each society, such factors as "the average monthly standard salary of the insured persons","the type of enterprise", "the type of society" and "the number of insured persons" are adequate in respecting of the total finacial balance.5) In excluding the confounding factors in the analysis, it can be demonstrated the fact that "the average monthly standard salary of the insured persons" and "the mean age of the insured persons" have a significant influence statistically on "the ordinary financial balance of each society".A comparative study between well-managed societies and poor societies in financial difficulties was conducted and some indicators reflecting a finacial management of a society were demonstrated.