新型农村合作医疗制度中的逆向选择问题.docVIP

PAGE PAGE 13 新型农村合作医疗制度中的逆向选择问题 摘要：新型农村合作医疗，是基于农民自愿参与，各部门多方筹资，以大病统筹为主的农民医疗互助共济制度。由于新农合的自愿原则，农民有了自由选择的空间。而基于“经纪人理念”，农民会选择对自己利益更大的方案，导致了“风险较高的人群大量参保，风险较低的人群不参保”的窘境，这就是新农合市场中的“逆向选择”。 医疗保险领域的逆向选择必然导致高风险人群驱逐低风险人群，保险市场向高于平均风险的方向发展，这既不利于保险基金的有效利用，也无法规避未参保者因为疾病带来的风险。为此，我选取了新农合市场中的“逆向选择”作为我的切入点，主要分析农村居民参合过程中的逆向选择问题。本文利用CHNS2011年的调查数据展开，选取江苏上海等12个省份的调查数据，分析家庭收入、年龄、性别等因素对农民参合率的影响。同时，鉴于产生逆向选择的原因提出了对策分析如何规避新农合中的“逆向选择”风险。 关键词：新农合、逆向选择 The adverse selection problem in the new rural cooperative medical care system Abstract: New type of rural cooperative medical care, is based on farmers voluntary participation, raising financing in many ways, mainly to the poverty-stricken farmers medical helping each other in all aid system.As a result of the voluntary principle, farmers have free space of choice.And based on the concept of agent, farmers will choose a larger plan to their interests, and it led to the result of high risk of a large number of ginseng, low risk not ginseng.This is a adverse selection in the new rural cooperative medical market. Adverse selection in the field of medical treatment insurance inevitably leads to high risk crowd out low risk category, to the direction of higher than average risk of insurance market. This is not conducive to the effective use of insurance funds,and cannot evade uninsured because the risks of disease.Therefore, I selected the new farmers market in the adverse selection as my starting point, using CHNS2011 years of survey data, and select the survey data of 12 provinces such as jiangsu, Shanghai, the analysis of age, income, health and other factors that affect the rate of farmers ginseng.At the same time, the countermeasures are put forward in view of the causes of adverse selection analysis how to circumvent?the risk of new rural cooperative medical system and the?adverse selection. Keywords: new rural cooperative medical system adverse selection 一、 引言 （一） 研究背景 农村合作医疗保险自20世纪二三十年代产生，它是依照东欧国家合作医疗制度建立起来的一种农村卫生制度， 在乡村卫生实验区得到发展后，又于1949 年左右