新农合与商业医疗保险市场均衡分析——基于信息经济学的视角

发布时间：2018-05-10 06:16

本文选题：新农合 + 农村商业医疗保险　；参考：《农业技术经济》2013年01期

【摘要】：由于新型农村合作医疗保险(以下简称"新农合")的逆向选择,政府为高参保率的目标承担了较重的财政负担。本文以商业医疗保险进入农村市场为背景,用R-S保险模型作为理论工具,分析了新农合的强制参与可以避免商业保险对市场的撇脂,降低新农合的运行成本,并最终与商业保险实现新的均衡,达到高风险农民完全保险,低风险农民效用最大的优化状态。
[Abstract]:Due to the adverse selection of the new rural cooperative medical insurance (NCMS), the government bears a heavy financial burden for the goal of high participation rate. Based on the background of commercial medical insurance entering the rural market, using R-S insurance model as a theoretical tool, this paper analyzes that compulsory participation of NCMS can avoid skimming of market by commercial insurance, and reduce the operating cost of NCMS. Finally, it achieves a new equilibrium with commercial insurance, and achieves the optimal condition of full insurance for high risk farmers and maximum utility for low risk farmers.
【作者单位】：中国社会科学院研究生院;
【分类号】：F842.6;R197.1;F224

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