發(fā)布時間：2018-12-17 08:25

【摘要】：新型農(nóng)村合作醫(yī)療制度的建立和完善是建設社會主義新農(nóng)村的重要內(nèi)容,在一定程度上解決了農(nóng)民看病貴、看病難的問題,所以很受群眾的擁護和支持。然而在實施過程中,很多的問題也暴露出來了。 新型農(nóng)村合作醫(yī)療制度的特點為商業(yè)保險的參與提供了前提條件,商業(yè)保險公司專業(yè)化的醫(yī)療保險風險管理理念、管理手段和管理模式等為新型農(nóng)村合作醫(yī)療制度的全面推進提供了一種合理的依托。由于政府目前并沒有足夠的能力去滿足廣大農(nóng)民日益增長的醫(yī)療保障的需要,只能為他們提供基本的醫(yī)療需求。對此,政府充分認識到商業(yè)保險在提供醫(yī)療保險方面所具有的重要作用和重大價值,積極鼓勵商業(yè)保險公司參與政府的各類醫(yī)療保險項目合作,特別是新型農(nóng)村合作醫(yī)療項目,并在政策上給予大力扶持,如實行免征稅收等有關政策,2009年新的醫(yī)改方案也明確提出這一意見。實際表明,二者的結合可以集中并發(fā)揮政策性醫(yī)療保障和商業(yè)保險運作兩者的優(yōu)勢,比較合理的解決農(nóng)村醫(yī)療保障問題。但是由于“新農(nóng)合”納入商業(yè)保險開展起步時間較晚,具體實施中必將面臨諸多的問題和束縛,需要保險公司和政府相關機構繼續(xù)深入研究,在實踐中加以完善。 本文闡述了新農(nóng)合的建立和發(fā)展以及建設過程中遇到的問題,著重立足現(xiàn)實操作這個層面,對已有的商業(yè)保險參與農(nóng)村醫(yī)療改革這一新型模式進行了介紹,分析了商業(yè)保險參與新農(nóng)合的主要動因、可行性及其優(yōu)劣勢,對其合作前景進行了展望,并積極借鑒中國人壽參與“新農(nóng)合”試點工作的成功經(jīng)驗,就商業(yè)保險如何創(chuàng)新金融服務模式、有效參與農(nóng)村社會保障制度建設提出了一些務實的對策和建議。一是要充分認識商業(yè)保險參與“新農(nóng)合”的長期性；二是以政策法規(guī)確保商業(yè)保險參與“新農(nóng)合”的可持續(xù)發(fā)展；三是政府進一步加大對商業(yè)保險參與“新農(nóng)合”的支持力度；四是保險公司在參與過程中要逐步建立穩(wěn)定長效的內(nèi)部管理機制；五是認真總結經(jīng)驗教訓,借勢“新農(nóng)合”大力拓展農(nóng)村保險業(yè)務；六是建立風險防范機制；七是積極探索參與“新農(nóng)合”試點工作的多種模式。
[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.
【學位授予單位】：中南林業(yè)科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F323.89;F842.684;R197.1

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