农民工基本医疗保险关系转移接续中三方利益博弈分析——基于政府、企业与农民工的视角

发布时间：2017-12-28 14:05

本文关键词：农民工基本医疗保险关系转移接续中三方利益博弈分析——基于政府、企业与农民工的视角　出处：《东北大学学报(社会科学版)》2017年03期 　论文类型：期刊论文

【摘要】：基于博弈理论,从基本医疗保险保费缴纳的主体(政府、企业和农民工)利益最大化的角度出发,对农民工基本医疗保险关系转移接续过程中转出地政府与转入地政府、转入地政府与企业、企业与农民工之间的利益关系进行博弈分析。研究发现:基本医疗保险制度设计和管理问题成为农民工基本医疗保险关系转移接续中各方利益冲突的一个主要因素,其中地方政府之间的利益博弈是导致农民工基本医疗保险关系转移接续困难的一个重要原因。因此,应通过提高基本医疗保险统筹层次,理顺地方政府间利益关系,加强对企业的监管,提高农民工的保险意识,鼓励商业保险机构经办基本医疗保险,逐步实现农民工基本医疗保险关系的顺畅转接。
[Abstract]:Based on the game theory, from the main body of basic medical insurance premium (the government, enterprises and migrant workers) to maximize the benefits of the perspective of connecting process transferring government and transferred into government, between government and enterprises, enterprises and migrant workers interests game analysis on migrant workers basic medical insurance relationship transfer. The study found that: the basic medical insurance system design and management issues have become a major factor in the continuation of the parties to a conflict of interest transfer of migrant workers basic medical insurance, the interests of the game between the local government is an important cause of migrant workers basic medical insurance for transferring difficult. Therefore, we should improve the level of basic medical insurance, straighten out the relationship among the interests of local government, strengthen the supervision of enterprises, improve the insurance awareness of migrant workers, to encourage commercial insurance agency orgnaization of basic medical insurance, basic medical insurance for migrant workers gradually realize the smooth transition between.
【作者单位】：中央财经大学保险学院;渤海大学经法学院;北京工业大学经济与管理学院;渤海大学管理学院;
【基金】：辽宁省社会科学规划基金资助项目(L14BJL013) 辽宁省保险学会资助项目(2016ilkt25,2016ilkt26)
【分类号】：F224.32;F323.89;F842.684
【正文快照】： 随着我国工业化、城镇化进程的加快,越来越多的农民参与到城市的建设与发展当中,并形成我国现有体制下的一个特殊群体:具有农村户籍但却在城市务工的农民工。他们中大多数人往往从事苦、脏、累、差的劳动,这些工作一般不仅具有收入低、强度高、危险性高的特点,而且这种较差的

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