The Analysis Of The Impact Of The New Rural Cooperative Medical System On The Demand Of Rural Commercial Health Insurance In China

The basic national conditions of our country are that the rural population is numerous and the level of economic development is relatively backward.During the bankrupt of the original rural cooperative medical insurance to the establishment of the new rural cooperative medical insurance,the rural areas of our country lacked the basic medical security,which led to the rural residents bankrupt caused by illness,and the phenomenon is more serious.In order to prevent this phenomenon,to strengthen the level of medical security of farmers,our country officially launched the pilot of the new rural cooperative medical system.Since the implementation of the new rural cooperative medical system,the development of the new rural cooperative medical system is very rapid.Since 2008,China’s NCMS participation rate has remained above 90%,the NCMS in the protection of China’s rural basic medical level plays a very important role.However,in the rapid establishment and promotion of the new rural cooperative medical insurance,the development of the commercial medical insurance in our country’s rural areas is not so smooth.According to the fourth national health services survey analysis report data in 2008,in this period of rapid promotion of the NCMS,although China’s health insurance premium showing an overall upward trend,but the health insurance in China’s rural commercial purchase ratio fell to 6.9%in 2008 from 9.3%in 2003.Since The new rural cooperative medical system and the medical insurance has the same function to improve the farmers’ medical security and reduce farmers’ medical expenses,so we have reason to believe that the development of new rural cooperative medical insurance has a certain influence on the demand of the commercial insurance in rural areas.The significance of this study are the following three points:First,the commercial medical insurance is an important part of China’s health insurance,to improve the demand for the commercial medical insurance of more than 700 million farmers in China is a necessary way to promote the overall development of the commercial medical insurance market in china.To explore the impact of the development of the new rural cooperative medical system on the demand for commercial health insurance is conducive to the development of rural commercial medical insurance based on the new rural cooperative medical system.Second,although China’s new rural cooperative medical system covers most of the rural areas,but the medical level of new rural cooperative medical system is relatively low,and the scope of protection is limited.To explore the impact of the new rural cooperative medical system on the commercial medical insurance can be better to make the relationship between the government and insurance companies to adjust better and promote mutual supplement between the two,to further improve the rural medical security level in our country.Third,the new rural cooperative medical services under the financial support of the project,the efficiency of the new rural cooperative medical system also belong to the government in terms of expenditure on health care.Through the study of the impact of the new rural cooperative medical insurance demand,it is helpful for the government to adjust the new rural cooperative policy in a timely manner,and improve the efficiency of the new rural cooperative medical system.In order to explore the impact of the new rural cooperative medical system on the demand of commercial health insurance,the first chapter of this paper introduces the relevant literature review on the impact of the basic medical insurance for the domestic commercial medical insurance.In the second chapter,the paper introduces the connotation and development of the new rural cooperative medical insurance and commercial medical insurance,and analyzes the development trend of the new rural cooperative medical insurance system.In the third chapter,this paper starts from the current development situation of China’s rural cooperative medical insurance and commercial medical insurance,combined with the actual situation of farmers in China,analyzes the impact of the new rural cooperative medical system on China’s commercial health insurance demand.In the fifth chapter,this paper uses the survey data of China Health and Nutrition Survey(CHNS)from 2004 to 2011,using the Difference-in-difference model and Logistic regression analysis for empirical research,the establishment of NCMS in promotion period and the period of change of farmers’ comprehensive coverage of commercial medical insurance demand research.The empirical results show that,in the establishment and promotion of new period(2004 to 2009),the new rural cooperative medical system on commercial medical insurance demand from the "promotion" into the "suppression";and comprehensive coverage of rural period(2009 to 2011)in the new rural cooperative medical system,the peasants’ demand for medical insurance business decline.In the sixth chapter,this paper analyzes the reasons of the empirical results,and puts forward the relevant policy recommendations based on the coordinated development of the new rural cooperative medical insurance and commercial medical insurance.