【作者】 张传文；

【导师】 方青；

【作者基本信息】 安徽师范大学 ， 社会保障， 2010， 硕士

【摘要】 新型农村合作医疗制度是适应农村社会经济发展要求的制度安排,是保障农民基本的健康权益,提升我国医疗保障制度公平的重要举措。然而,鉴于医疗保障制度本身的特殊性和农村医疗保障制度实施环境的复杂性,新型农村合作医疗制度在运行过程中面临诸多问题,既包括宏观层面的问题,又包括具体运作中所呈现的微观问题,这些问题的存在损害了制度本身运行的效率,也对农村医疗保障制度的可持续发展构成威胁。道德风险问题便是影响新农合制度持续运行所面临的微观问题。由于新型农村合作医疗各利益相关方在对自身利益最大化的追求过程中的博弈,加上新农合制度本身监管机制的不完善,导致道德风险的生成和蔓延。在新农合制度中,道德风险不仅存在于新农合的供需双方,还表现为地方政府的行为诉求中。道德风险问题的滋生和蔓延不仅导致医疗费用的不合理增长,也抑制了农民的合理的医疗卫生需求,更损害来新型农村合作医疗的公平和持续发展。本文以安徽省X镇为例,通过个案访谈、文献分析等途径,深入分析新型农村合作医疗制度运行中道德风险的表现及其原因,最后就如何防范和规避道德风险、推进新型农村合作医疗制度持续健康运行提出回应。更多还原

【Abstract】 New Rural Cooperatives Medical System is an institutional arrangement, which adapting the rural community economic development request, safeguarding farmer’s basic healthy rights and interests, and promoting the fair of the country medical system. However, because of the particularity of medical service system and the complexity of countryside medical service system’s implementation environment, New Rural Cooperatives Medical System is faced with many problems in its process of implement, including macroscopic problems and microscopic problem. These problems harm the efficiency of the institutions operation and threaten the sustainable development of the countryside medical service system.Moral hazard is a microscopic problem the system continually faces. Various benefit related sides in New Rural Cooperatives Medical System aim to maximize their own benefit as well as the supervisory of the system is not imperfect, which cause the growth and spread of moral hazard. In New Rural Cooperatives Medical System, moral hazard not only exists in the both suppliers and demanders, but also appears in Local authority’s behavior. The growing and spreading of moral hazard causes unreasonable growth of the medical expense, meanwhile ,it suppress farmer’s reasonable health demand and harms the fair and sustained development of New Rural Cooperatives Medical Service. This article, taking X town in Anhui Province as an example, analyzes the performance and reasons of moral hazard in New Rural Cooperatives Medical System through ways such as case interview, literature analysis and so on, and respond how to guard against and circumvent moral hazard, promote the advancement and sustainable development of New Rural Cooperatives Medical System.更多还原