对现阶段新农村合作医疗基金管理的思考

新农村合作医疗制度的实施较好地改变了农民就医难、看病贵的状况，对构建和谐社会。建设新农村发挥了重要作用。新农村合作医疗基金是合作医疗制度的核心和中枢，新农村合作医疗基金管理应遵循以下原则：三方共担原则；社会统筹与家庭账户相结合原则；收支两条线原则；安全性、收益性和基金管理相分离原则；行政管理与基金管理分离原则。     

我国新型农村合作医疗基金管理研究

新型农村合作医疗基金是农民的救命钱,是建立新型农村合作医疗制度的核心,健康的基金管理则是新型农村合作医疗制度实现可持续发展的基础.由于农村合作医疗制度不同于社会医疗保险,也不同于商业医疗保险,因此,农村合作医疗基金管理具有特殊性,其基本要求是公平、公正、低成本运行和管理.新型农村合作医疗制度是一项民心工程,我国新型农村合作医疗试点自从2003.年在全国部分县(市)开展以来,己经取得了良好的成效.合作医疗基金运转透明、高效,对农民的健康保障作用日益体现.但是,我国的新型农村合作医疗基金管理仍处于起步阶段,其在运行管理过程中产生的一系列相关问题也亟待解决.本文的写作目的主要是对基金筹集、补偿、监管等环节过程中存在的问题进行探讨,重点在于提出防范措施,以保证基金的安全、高效运营,在保值的基础上使其增值,使参合群众得到实惠.     

关于农村医疗保障的调查

村医疗保障由卫生服务供给体系和农村医疗保健制度方面构成。长期以来,合作医疗是我国农村医疗保健制度的要形式。然而农村合作医疗制度自建立以来,在我国广大农地区经历了几起几落,时至今日,大部分地区的合作医疗已向衰落。在农村经济社会发生了重大变革以后,合作医疗能恢复?医疗保险是否可行?什么是可行的农村医疗保障制度这一系列关系农村社会发展的重大问题一直为政府、农民和究者所关注。人们从筹资能力、筹资水平、支付方式、费用分担机制等面做了大量的调查研究工作。在这些研究的基础上,我们认对于农村医疗保障问题，还有必要听一听…     

农村合作医疗基金管理问题的研究

自从我国实施农村合作医疗以来,基本解决了农民的看病难、看病贵的问题,在新农村的建设中发挥了重要的作用。随着基金的筹集总额日益增多,资金管理的风险也就越来越大,农村合作医疗作为合作医疗的中枢,在资金的筹集、拨付、使用和管理问题上存在着风险,本文将提出解决和控制农村合作医疗基金的措施及办法。     

新型农村合作医疗基金运行中的困境与对策——基于对汝洲市新农合的调查分析

文章基于对河南省汝州市新兴农村合作医疗基金微观运行的分析认为,新型农村合作医疗基金运行存在资金沉淀过多、农民收益率低等问题,要解决这些问题必须加强制度建设,建立合理的基金运转机制,同时加强乡镇卫生院和村级卫生所的建设促进农村合作医疗健康发展.     

完善我国农村合作医疗的思考

文章从我国农村合作医疗的形成、发展、解体、重建等几个阶段介绍了其制度变迁的过程,分析了当前农村合作医疗存在的问题与不足,建议在完善法律法规的同时加大宣传力度、加大政府对农村新型合作医疗的投入,在有条件的地区可以试行家庭账户制度,并完善农村医疗救助制度。     

河北省新型农村合作医疗制度实施效果的实证分析

农村医疗保障制度关系到农民的健康权利,进而影响到农村社会的发展.解决好农民的医疗保障问题,对实现全面建设小康社会的目标具有重大作用.但目前新型农村合作医疗制度中还存在着一些亟待解决的问题.文章通过对河北省四个典型案例的剖析,提出了建立健全管理机制、建立农村医疗卫生服务网络、保证合作医疗基金收支平衡等完善新型农村合作医疗发展的对策建议.     

积极探索 开拓创新 进一步完善新型农村合作医疗基金管理工作

建立新型农村合作医疗制度,是党中央、国务院从我国基本国情出发,解决农民看病难问题的一项重大举措,是建设社会主义新农村的重要内容,对于提高农民健康水平,缓解农民因病致贫,统筹城乡发展,实现全面建设小康社会目标具有重要作用.健康的基金管理工作是新型农村合作医疗制度实现可持续发展的核心和基础.坚持公开、公平、公正、低成本的基金管理,是新型农村合作医疗制度健康运转的前提.     

新农村合作医疗保险浅谈

当今时代的中国,虽然全国经济获得极速的发展,国内城市化的进程不断加快,但是国内农业人口仍然占到全国人口总数的63．91％。长久以来农民的生活问题都是政府最为关心的民生大计。在我国,政府经过多年的努力确立了一系列有利于提高农民生活水平,改善农村经济的政策和制度,在这其中农村合作医疗保险制度便是非常重要的一部分。我国的农村合作医疗制度是由政府组织、引导、支持,农民自愿参加,个人、集体和政府多方筹资,以大病统筹为主的农民医疗互助共济制度,农村合作医疗是由我国农民自己创造的互助共济的医疗保障制度,在保障农民获得基本卫生服务、缓解农民因病致贫和因病返贫方面发挥了重要的作用,它是惠及我国亿万农民的一项制度。随着我国经济与社会的不断发展,越来越多的人开始认识到,“三农”问题是关系党和国家全局性的根本问题。不解决好农民的医疗保障问题,就无法实现全面建设小康社会的目标,也谈不上现代化社会的完全建立。大量的理论研究和实践经验也已表明,在农村建立新型合作医疗制度势在必行。     

保险公司参与新型农村合作医疗建设的路径分析

我国是一个农业大国,农业人口占全国人口的七成以上。随着人口老龄化程度日益增强,目前我国农民医疗保障问题变得非常突出,国家不得不再一次尝试在农村建立新型农村合作医疗制度。该文在分析目前新型农村合作医疗制度所面临的三大挑战的基础上,提出了借助保险公司的技术人员优势结合政府的政策和经济支持,参与新型农村合作医疗建设。     

Does health insurance promote people's consumption? New evidence from China

In order to change the situation that reimbursement rate of the new rural cooperative medical care system (NCMS) was too low to alleviate farmers medical burden, in August 2012, China began to expand the coverage of the NCMS to include the treatment of critical illnesses. Could more effective health insurance promote the consumption of rural residents? We studied the impact of the critical illness insurance (CII) on rural household consumption, and find that the CII increases per capita household daily consumption by >15%. But healthcare and medical expenditures have not been affected. Our comparison of outcomes for households with different levels of consumption and income shows the CII mainly promote the consumption of rural affluent family, but no incentive for poor family, resulting in deterioration of consumption inequality of rural households. The finding is robust to various alternative hypotheses and specifications.     

制度化视角下的农村合作医疗问题探讨

在欠发达地区，农村合作医疗存在着药价高、补偿低、手续杂、出行难、认识低等诸多问题。从制度效率化的视角，加强资金筹集、“农合”管理、医疗救助、报销审批等有效制度建设，对目前农村合作医疗的健康发展显得十分紧迫和重要。     

农村合作医疗保险存在问题及建议分析

农村合作医疗制度是由政府组织、农民自愿参加,个人、集体和政府多方筹资,以大病统筹为主的农民医疗互助共济制度,它对改善农民就医状况、减轻医药费用负担有明显作用。但是由于受到种种原因的制约,医疗保险并没有充分发挥其作用。为此,发挥政府的支持和引导作用,建立健全法律法规,提供廉价优质的医疗服务,创新农村医疗保险模式显得尤其必要。     

Development of the New Rural Cooperative Medical System in China

Based on a survey conducted by our research team at the Chinese Academy of Social Sciences, the present paper reports on the development of China's new rural cooperative medical system set up in late 2002. The new rural cooperative medical system is different from the old system in that it is organized, guided and supported by the government but that rural residents voluntarily participate in its administration. It is financed by individuals, collectives and the government. The new cooperative medical system focuses on serious disease planning and mutual aid and fraternity between rural residents in health care. The results of our survey indicate that the new rural medical system has been successful up to now but that it also has some problems. China needs to pay more attention to overcoming the difficulties and challenges it faces in terms of future medical needs so that a mechanism for its sustainable development can be established.     

中国农村合作医疗的制度变迁与发展

中国是一个以农村人口占多数的发展中国家,农村医疗制度既是中国医疗保障制度中的有机组成部分,也是中国农村社会保障体系中的重要内容。对中国农村医疗制度的研究,对于保障农民的身体健康、缓解农民对＂因病致贫、因病返贫＂的担忧、维护农村社会繁荣稳定具有重要的理论和现实意义。中国农村医疗体制改革重点应是建立完善的新型农村合作医疗制度,并努力推动其向社会医疗保险方向发展。     

我国农村合作医疗制度的变迁分析——从公共政策系统与过程的视角

我国农村合作医疗经历了近50年的发展,曾被世界卫生组织和世界银行称为"以最少的投入获得最大健康收益"的中国模式。文章从公共政策的系统要素和过程两方面来考量其制度变迁的进程,分析其繁荣发展和逐渐衰败的内因以及该制度在实施过程中的问题,以期得到有利于新型农村合作医疗制度的发展与完善的启示。     

农村住院医疗保险制度分析——以江阴为例

With the introduction of the household contract responsibility system, the traditionat rurat cooperative medical service has declined rapidly in terms of its coverage, reaching the lowest level at present. The operation of the medical service with funds raised by the city government and commercial insurance in Jiangyin has provided a new line of thought. This model has not only better solved the difficult problems of fund raising and service equity in the rural medical insurance, but also helped to alleviate serious problems of adverse selection and moral hazards -widely present in commercial medical insurance. It is also that extending such a model to other regions without regard to local conditions is dangerous.     

我国新型农村合作医疗保障水平测量和适宜度研究

文章构建了我国新型农村合作医疗保障水平的测量模型,运用该模型对我国当前新型农村合作医疗保障水平进行测定,计算保障水平的实际值。同时计算保障水平的上限值与下限值,以判断保障水平是否适宜。结果表日片,保障水平的实际值小于其下限值,这就意味着我国当前的保障水平低于应有的保障水平。为此文章提出,可以通过加大政府和农村集体经济组织的补助资金、合理设定补偿比例、完善二次补偿方案等措施采提高我国新型农村合作医疗保障水平。     

新型农村合作医疗筹资瓶颈破解:制度解析与重构

新型农村合作医疗筹资瓶颈是制约其发展的关键和核心问题.当前新型农村合作医疗筹资困境的成因主要源于制度设计层面,其制度性缺陷主要表现在制度本身的社会保险性质的弱化;三方筹资主体的筹资责任、筹资标准、筹资比例界定难;基金监督与管理的法律依据缺失等方面.必须对制度进行重构才能实现可持续运转,而不是简单的修修补补.     

Development of the township‐village enterprises and the re‐instttutionalization of the family in China*

Small farms, which have maintained flexibility throughout history, have long existed in China and the so‐called “family household system as a cooperative organization” comprehensively playing a diverse socio‐economic function has developed. In addition, trust derived from a unique environment based on a village structure where a few families dwell not to mention “everyone knows each other well” has also become institutionalized. In this setting, a complex and multi‐dimensional property rights could have developed. Moreover, the Confucian order, historically institutionalized in China, has differentiated the respective roles of the public from the private and the center from the local through a network intertwined by relationships (guanxi‐based network), allowing them to be relatively autonomous from each other (embedded autonomy). This institutional tradition of the Chinese society has re‐emerged with the coming of the reform age. The reform reintroduced the revival of the traditional family household, as a cooperative unit for the insiders and, at the same time, as a competitive unit against the outsiders; and its renewed close relationship with the local governments have given birth to the township‐village enterprises. Based on reforms of this nature, which have occurred from the bottom and approved by the center state ex post, China was able to experience the implementation a new form of transition to capitalism, i.e., rural industrialization. In this process, China's guana‐based township‐village enterprises were able to secure the fitness to react to market competition despite their collective ownership nature.