發(fā)布時(shí)間：2018-09-11 09:43

【摘要】：農(nóng)業(yè)、農(nóng)村、農(nóng)民的和諧,是我國社會和諧的基礎(chǔ),更是社會主義現(xiàn)代化建設(shè)事業(yè)的重中之重。新型農(nóng)村合作醫(yī)療保險(xiǎn)制度,又稱新農(nóng)合(以下簡稱新農(nóng)合),是我國農(nóng)村社會保障體系的重要組成部分,政府在新農(nóng)合中發(fā)揮了不可替代的作用,堅(jiān)持政府在新農(nóng)合體系中的主導(dǎo)地位,有助于“三農(nóng)”問題的解決,促進(jìn)全面建設(shè)小康社會、和諧社會的實(shí)現(xiàn)。同時(shí),商業(yè)保險(xiǎn)機(jī)構(gòu)參與新農(nóng)合,可以彌補(bǔ)單一政府主體帶來的不足,提高新農(nóng)合的籌資水平、保障水平與專業(yè)化程度,進(jìn)而更好地維護(hù)農(nóng)民利益。因此,對于商業(yè)保險(xiǎn)機(jī)構(gòu)參與新農(nóng)合相關(guān)問題的研究,具有重要的理論價(jià)值與現(xiàn)實(shí)意義。 本文由五章組成。第一章主要介紹了本文研究課題的背景、意義以及研究方法,并根據(jù)國內(nèi)外相關(guān)學(xué)者的研究狀況進(jìn)行了總結(jié)；第二章闡述了我國新農(nóng)合的基本理論,對新農(nóng)合與傳統(tǒng)農(nóng)村合作醫(yī)療制度進(jìn)行了對比分析,并介紹了政府職能在新農(nóng)合體系中的發(fā)揮,以及政府職能的優(yōu)勢以及局限；第三章為理論部分,介紹了公共物品相關(guān)理論以及出現(xiàn)在公共物品領(lǐng)域的政府機(jī)制、市場機(jī)制雙失靈的悲劇,結(jié)合羅納德H·科斯的理論以及多位經(jīng)濟(jì)學(xué)家的探索,分析了公用物品私人供給機(jī)制的可行性及優(yōu)勢；第四章比較了世界上存在的四種主流農(nóng)村醫(yī)療保險(xiǎn)模式：全民醫(yī)療保險(xiǎn)模式、商業(yè)醫(yī)療保險(xiǎn)模式、社會醫(yī)療保險(xiǎn)模式、社區(qū)醫(yī)療保險(xiǎn)模式,通過對不同醫(yī)療保險(xiǎn)模式優(yōu)缺點(diǎn)的介紹以及不同國家國情的介紹,總結(jié)出了我國可以借鑒應(yīng)用的商業(yè)化經(jīng)驗(yàn)；第五章首先通過對新農(nóng)合的物品性質(zhì)分析得出公共物品私人供給模式在理論上是適應(yīng)我國新農(nóng)合的,隨后介紹了兩種已經(jīng)在我國獲得成功的新農(nóng)合商業(yè)化模式：以“江陰模式”為代表的第三方委托經(jīng)辦模式以及以“宜興模式”、“湛江模式”為代表的保險(xiǎn)合同模式,結(jié)合這兩種模式的優(yōu)點(diǎn)以及局限性,提出了一種創(chuàng)新模式：商業(yè)保險(xiǎn)機(jī)構(gòu)全過程參與,增加險(xiǎn)種,注重大病。
[Abstract]:The harmony of agriculture, countryside and farmers is the foundation of social harmony in our country and the most important part of socialist modernization. The new rural cooperative medical insurance system, also called the new rural cooperative medical insurance system, is an important part of the rural social security system of our country. The government has played an irreplaceable role in the new rural cooperative medical insurance system. Insisting on the leading position of the government in the new rural cooperative system is helpful to solve the problem of agriculture, rural areas and farmers, and promote the construction of a well-off society in an all-round way and the realization of a harmonious society. At the same time, the participation of commercial insurance institutions in NCMS can make up for the shortcomings brought by the single government, improve the level of financing, safeguard the level and specialization of NCMS, and then better safeguard the interests of farmers. Therefore, it is of great theoretical and practical significance for commercial insurance institutions to participate in new agricultural cooperation. This paper consists of five chapters. The first chapter mainly introduces the background, significance and research methods of this research topic, and summarizes the research situation of related scholars at home and abroad. This paper makes a comparative analysis of the new rural cooperative medical system and the traditional rural cooperative medical system, and introduces the exertion of the government function in the new rural cooperative medical system, as well as the advantages and limitations of the government function. This paper introduces the related theories of public goods, the government mechanism appearing in the field of public goods, the tragedy of double failure of market mechanism, and the exploration of many economists combined with the theory of Ronald H. Coase. Chapter four compares the four main rural medical insurance modes in the world: universal medical insurance model, commercial medical insurance model, social medical insurance model. By introducing the advantages and disadvantages of different medical insurance modes and the national conditions of different countries, this paper summarizes the commercial experience that our country can use for reference. In the fifth chapter, through the analysis of the nature of NCMS, it is concluded that the private supply mode of public goods is suitable for NCMS in theory. Then it introduces two successful commercial models of NCMS in China: the "Jiangyin Model" and the "Yixing Model" and the "Zhanjiang Model" as the representative of the insurance contract model. Combined with the advantages and limitations of these two models, this paper puts forward an innovative model: commercial insurance institutions participate in the whole process, increase insurance coverage, and pay attention to serious illness.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F323.89;F842.684;R197.1

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