关于商业保险参与新型农村合作医疗的思考
发布时间：2018-12-17 08:25
【摘要】：新型农村合作医疗制度的建立和完善是建设社会主义新农村的重要内容,在一定程度上解决了农民看病贵、看病难的问题,所以很受群众的拥护和支持。然而在实施过程中,很多的问题也暴露出来了。 新型农村合作医疗制度的特点为商业保险的参与提供了前提条件,商业保险公司专业化的医疗保险风险管理理念、管理手段和管理模式等为新型农村合作医疗制度的全面推进提供了一种合理的依托。由于政府目前并没有足够的能力去满足广大农民日益增长的医疗保障的需要,只能为他们提供基本的医疗需求。对此,政府充分认识到商业保险在提供医疗保险方面所具有的重要作用和重大价值,积极鼓励商业保险公司参与政府的各类医疗保险项目合作,特别是新型农村合作医疗项目,并在政策上给予大力扶持,如实行免征税收等有关政策,2009年新的医改方案也明确提出这一意见。实际表明,二者的结合可以集中并发挥政策性医疗保障和商业保险运作两者的优势,比较合理的解决农村医疗保障问题。但是由于“新农合”纳入商业保险开展起步时间较晚,具体实施中必将面临诸多的问题和束缚,需要保险公司和政府相关机构继续深入研究,在实践中加以完善。 本文阐述了新农合的建立和发展以及建设过程中遇到的问题,着重立足现实操作这个层面,对已有的商业保险参与农村医疗改革这一新型模式进行了介绍,分析了商业保险参与新农合的主要动因、可行性及其优劣势,对其合作前景进行了展望,并积极借鉴中国人寿参与“新农合”试点工作的成功经验,就商业保险如何创新金融服务模式、有效参与农村社会保障制度建设提出了一些务实的对策和建议。一是要充分认识商业保险参与“新农合”的长期性；二是以政策法规确保商业保险参与“新农合”的可持续发展；三是政府进一步加大对商业保险参与“新农合”的支持力度；四是保险公司在参与过程中要逐步建立稳定长效的内部管理机制；五是认真总结经验教训,借势“新农合”大力拓展农村保险业务；六是建立风险防范机制；七是积极探索参与“新农合”试点工作的多种模式。
[Abstract]:The establishment and perfection of the new rural cooperative medical system is an important content of building a new socialist countryside. To a certain extent, it has solved the problem that farmers' medical treatment is expensive and difficult, so it is supported and supported by the masses. However, in the process of implementation, many problems have also been exposed. The characteristics of the new rural cooperative medical system provide the prerequisite for the participation of commercial insurance, the specialized medical insurance risk management concept of commercial insurance companies, The management means and management mode provide a reasonable support for the promotion of the new rural cooperative medical system. Since the government does not have enough capacity to meet the growing needs of farmers, it can only provide them with basic medical needs. In this regard, the government fully recognizes the important role and great value of commercial insurance in providing medical insurance, and actively encourages commercial insurance companies to participate in the cooperation of various government medical insurance projects, especially the new rural cooperative medical insurance projects. And give strong support in the policy, such as the implementation of tax exemption and other related policies, 2009 new medical reform plan also explicitly put forward this opinion. The practice shows that the combination of the two can concentrate and give full play to the advantages of policy medical security and commercial insurance operation, and solve the rural medical security problem more reasonably. However, due to the late start of "New Rural Cooperation" into commercial insurance, the concrete implementation will be faced with a lot of problems and constraints, need insurance companies and government agencies to continue to in-depth research, in practice to improve. In this paper, the establishment and development of NCMS and the problems encountered in the process of construction are expounded. Based on the practical operation, this paper introduces the new model of commercial insurance participating in rural medical reform. This paper analyzes the main reasons, feasibility and advantages and disadvantages of commercial insurance participation in NCMS, looks forward to the prospect of its cooperation, and actively draws lessons from China Life's successful experience in participating in the pilot work of "NCMS". This paper puts forward some practical countermeasures and suggestions on how to innovate the mode of financial service and participate effectively in the construction of rural social security system. First, it is necessary to fully understand the long-term nature of commercial insurance participation in "New Rural Cooperation"; second, to ensure the sustainable development of commercial insurance participation in "New Rural Cooperation" with policies and regulations; third, to further increase the government's support for commercial insurance participation in "New Rural Cooperation"; Fourth, insurance companies should gradually establish a stable and long-term internal management mechanism in the process of participation; fifth, seriously sum up the experience and lessons, seize the opportunity of "New Rural Cooperation" vigorously expand rural insurance business; sixth, establish a risk prevention mechanism; Seventh, actively explore the participation in the "New Rural Cooperation" pilot work of a variety of models.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.684;R197.1
本文编号：2383952
[Abstract]:The establishment and perfection of the new rural cooperative medical system is an important content of building a new socialist countryside. To a certain extent, it has solved the problem that farmers' medical treatment is expensive and difficult, so it is supported and supported by the masses. However, in the process of implementation, many problems have also been exposed. The characteristics of the new rural cooperative medical system provide the prerequisite for the participation of commercial insurance, the specialized medical insurance risk management concept of commercial insurance companies, The management means and management mode provide a reasonable support for the promotion of the new rural cooperative medical system. Since the government does not have enough capacity to meet the growing needs of farmers, it can only provide them with basic medical needs. In this regard, the government fully recognizes the important role and great value of commercial insurance in providing medical insurance, and actively encourages commercial insurance companies to participate in the cooperation of various government medical insurance projects, especially the new rural cooperative medical insurance projects. And give strong support in the policy, such as the implementation of tax exemption and other related policies, 2009 new medical reform plan also explicitly put forward this opinion. The practice shows that the combination of the two can concentrate and give full play to the advantages of policy medical security and commercial insurance operation, and solve the rural medical security problem more reasonably. However, due to the late start of "New Rural Cooperation" into commercial insurance, the concrete implementation will be faced with a lot of problems and constraints, need insurance companies and government agencies to continue to in-depth research, in practice to improve. In this paper, the establishment and development of NCMS and the problems encountered in the process of construction are expounded. Based on the practical operation, this paper introduces the new model of commercial insurance participating in rural medical reform. This paper analyzes the main reasons, feasibility and advantages and disadvantages of commercial insurance participation in NCMS, looks forward to the prospect of its cooperation, and actively draws lessons from China Life's successful experience in participating in the pilot work of "NCMS". This paper puts forward some practical countermeasures and suggestions on how to innovate the mode of financial service and participate effectively in the construction of rural social security system. First, it is necessary to fully understand the long-term nature of commercial insurance participation in "New Rural Cooperation"; second, to ensure the sustainable development of commercial insurance participation in "New Rural Cooperation" with policies and regulations; third, to further increase the government's support for commercial insurance participation in "New Rural Cooperation"; Fourth, insurance companies should gradually establish a stable and long-term internal management mechanism in the process of participation; fifth, seriously sum up the experience and lessons, seize the opportunity of "New Rural Cooperation" vigorously expand rural insurance business; sixth, establish a risk prevention mechanism; Seventh, actively explore the participation in the "New Rural Cooperation" pilot work of a variety of models.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.684;R197.1
【参考文献】
相关期刊论文 前10条
1 徐亮;;农村新型合作医疗制度运行存在的问题及对策研究[J];安徽农学通报;2008年22期
2 吴岩;徐朝安;;从公共政策角度看我国新型农村合作医疗的执行困境及其对策[J];安徽农业科学;2007年15期
3 王友华;苟琼玉;郭晖;;中国农村居民医疗保险差异及其生活态度研究——基于中国综合社会调查数据[J];安徽农业科学;2011年15期
4 李颖;;我国农村医疗保险模式:回顾与创新[J];北方经济;2006年18期
5 张翼;;如何让“新农合”更好地保障农村贫困群体[J];北京工业大学学报(社会科学版);2008年04期
6 魏迎宁;走专业化道路 努力推进健康保险跨越式发展[J];保险研究;2003年12期
7 杨新文;张诒宁;;医疗卫生制度改革对寿险健康险经营的影响与对策[J];保险研究;2008年12期
8 李潍;;商业保险参与新型农村合作医疗:背景、机遇与挑战[J];保险研究;2008年12期
9 秦士由;;商业保险参与构建农村社会保障制度的动因和优势分析[J];保险研究;2011年01期
10 刘波;任旭;;我国新型农村合作医疗制度改革研究[J];财经问题研究;2010年05期
相关硕士学位论文 前1条
1 石裕东;论新型农村合作医疗制度的完善[D];武汉大学;2005年
，本文编号：2383952
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2383952.html
