建设新型农村合作医疗制度论文.doc

中文摘要 我国新型农村合作医疗制度自实施以来取得了很大的成效，但是在实施过程中也产生了一些新的问题。存在的问题自愿参加原则导致农民筹资不足新型农村合作医疗主要是对农民的门诊和住院费用进行一定比例的减免,在制度设计上相对简单,并且受筹资水平的限制,保障程度一般较低,难以满足农民多层次的医疗服务和医疗保障需求从另一个角度看,由于不同特征人群的医药费用呈明显的偏态分布（即医药费用主要集中在部分人群中）,大部分人在短时间内并没有直接的疾病经济风险因此,在现阶段若完全依靠自愿,很容易出现老弱病残者参加合作医疗而青壮年不参加的＂逆选择＂现象计划经济时期的合作医疗虽然也是坚持自愿参加的原则,但是在当时自上而下要求推广这一制度的情况下,在合作医疗费的收取上仍具有一定的强制性,且集体经济为合作医疗获得相对稳定的资金来源提供了制度上的保证。 Since the new type of rural cooperative medical system pushed forward, it has made great progress,but it has also produced some problems in the process of being implemented.There are some problems: Voluntary principle leads to peasants financing shortage. New rural cooperative medical system is mainly to the clinic and hospital fees for a certain proportion of relief, in the design of the system is relatively simple, and by the level of funding constraints, security level is generally low, difficult to meet the farmer of multi-level medical service and medical security needs.From another perspective, due to the different characteristics of population medical costs were skewed distribution(i.e.,medical expenses,mainly concentrated in the crowd),most of the people in a short peirod of time and there is no direct disease economic risk. Therefore, at this stage, if rely entirely on voluntary, appear very easily vulnerable persons participating in the cooperative medical treatment and the young do not attend to the adverse selection phenomenon. The planned economy period of cooperative medical care while also adhere to the principle of voluntary participation, but at the time of top-down requirements to promote this system, in cooperation with the medical fees charged still possesses certain mandatory, and collective economy as cooperative medical obtain relatively stable sources of funding system provides the guarantee. To sum up, as a result of the new rural cooperative medical system in the operation process of the failed to close contact situation in rural areas, coupled with the lack of