精准扶贫视角的大病保险发展对策研究

发布时间：2018-01-28 19:22

本文关键词： 精准扶贫大病保险对策　出处：《广西大学》2017年硕士论文　论文类型：学位论文

【摘要】：现阶段我国正处于社会转型期,社会成员获得经济社会资源时的差异性导致部分经济困难人群的出现,他们对疾病风险的承受能力弱,在遇到重特大疾病时的抵抗能力较普通人群低下,复原能力也较弱,从而导致灾难性卫生支出的发生。为提升他们抵御重大疾病经济风险的能力,国家六部委于2012年8月,联合出台了《关于开展城乡居民大病保险工作的指导意见》,而各地区也根据指导意见的指示并结合自身的实际情况展开了试点工作。随着城乡居民大病保险制度的实施和不断完善,贫困居民因病返贫的状况得到明显改善,这也证明了我国商业健康保险和社会基本医疗保险之间的有效配合取得了重大性的突破。早在2014年,将大病医保与精准扶贫结合来解决因病致贫难题,让保险助力精准扶贫的具体工作就已经开展,如扶贫项目信用保证保险、政策性农业保险以及本文研究的大病保险等,这标志着保险助力精准扶贫的框架已经形成,并在不断尝试推行和完善之中。精准扶贫工作与大病保险制度的有效结合,是一项利国利民的好政策:利国,大病保险的健康持续运行能够改善贫困居民因病返贫的现象,推动我国全面构建小康社会的进程以及提升我国的国际竞争力;利民,这是政策结合的最终目的,从根本上解决我国贫困居民的就医问题,并进一步改善其生活状况。所以保险业在精准扶贫工作推进的过程中发挥着重要作用。本论文主要分为五个章节。第一章为绪论,介绍了该选题的大背景,如研究方向、意义和方法等;第二章阐述了精准扶贫、大病保险的相关概念,精准扶贫工作机制如何运转,及建立城乡居民大病保险制度的必要性分析,为理论研究奠定基础;第三章主要介绍了我国扶贫开发工作从改革开放到新阶段的发展历程及现状,还有我国大病保险的发展历程、现状分析及各地区的试点开展状况;第四章针对目前我国试点中仍存在的问题,分别从基金效率、筹资渠道、费率厘定、医疗风险管控和职责界限等五个方面进行深入分析;第五章就是针对试点中存在的这些问题,结合精准扶贫政策,提出有益的对策及建议。
[Abstract]:At this stage, our country is in the social transition period, the difference of social members in obtaining economic and social resources leads to the emergence of some people with economic difficulties, their ability to bear the risk of disease is weak. The resistance and resilience of the general population are lower than those of the general population in the case of severe and severe diseases, which leads to catastrophic health expenditure in order to enhance their ability to resist the economic risk of major diseases. In August 2012, the State's six ministries and commissions jointly issued the "guidelines on the Development of serious illness Insurance for Urban and Rural residents". According to the guidance of the guidelines and in accordance with their own actual situation, the pilot work has been carried out. With the implementation and continuous improvement of the urban and rural residents' serious illness insurance system. The situation of poor residents returning to poverty has been obviously improved, which also proves that the effective cooperation between commercial health insurance and social basic medical insurance has made a significant breakthrough. As early as 2014. The combination of medical insurance for serious illness and precision poverty alleviation to solve the problem of poverty caused by illness, so that the specific work of helping the poor with precision insurance has been carried out, such as poverty alleviation project credit guarantee insurance. The policy-oriented agricultural insurance and the serious illness insurance studied in this paper, which indicates that the insurance helps the precision of poverty reduction framework has been formed. And continue to try to promote and improve. Precision poverty relief work and the effective combination of serious illness insurance system is a good policy for the benefit of the country and the people: benefit the country. The healthy and sustainable operation of the serious illness insurance can improve the phenomenon of poor residents returning to poverty because of illness, promote the process of building a well-off society in an all-round way and promote the international competitiveness of our country. Benefit to the people, this is the ultimate goal of policy combination, fundamentally solve the problem of poor residents of our country to seek medical treatment. And further improve its living conditions. Therefore, the insurance industry in the process of precision poverty alleviation work plays an important role. This paper is divided into five chapters. The first chapter is the introduction, introduced the background of this topic. Such as research direction, significance and methods; The second chapter expounds the related concepts of precision poverty alleviation and serious illness insurance, how to operate the precision poverty alleviation working mechanism, and the necessity analysis of establishing the urban and rural residents' serious illness insurance system, which lays a foundation for the theoretical research. The third chapter mainly introduces the development of poverty alleviation and development in China from the reform and opening up to the new stage, as well as the development process of China's major illness insurance, the current situation analysis and the status of the pilot projects in various regions. Chapter 4th, aiming at the problems that still exist in the pilot project in our country, analyzes the fund efficiency, the financing channel, the rate determination, the medical risk management and control and the duty limit respectively. Chapter 5th is aimed at these problems in the pilot project, combining with the policy of precision poverty alleviation, and puts forward some useful countermeasures and suggestions.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：R197.1;F842.684

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