| Urban and rural medical treatment insurance is an important part of urban and rural residents medical treatment insurance,and plays a huge role on narrowing the gap between urban and rural,solving the difficulty and high cost of seeing a doctor for the masses,and the construction of a harmonious society.However,due to a continuous rise on the medical costs,fast development on medical insurance,excessive medical treatment and high frequency on insurance cheating,the medical insurance fund has deficit problem.In consideration of this,this article is based on the actual satiation on the urban and rural medical insurance on Zhejiang Y county,and expanded on the theme of fund deficit problems,which will involve a in-depth discussion and empirical analysis on Y county’s medical fund supervision.Moreover,the author will analysis the problems from a wide aspects,combining Y county’s actual situation,on the basis of taking the advanced experience and measures in relation to the domestic and oversea medical fund management.The author involves kinds of economic theories in this article,such as analysis on market monopoly,information asymmetry,ethic risks through the economic theory,hoping to find out relative measures and strategy.This whole paper is written in using literature method,case analysis,inductive analysis and others.The author comes up with relative countermeasure in the end,such as: governmental system innovation,reform on payment method,bringing in commercial insurance,the completion of supervision system and the implement of blacklist plan.The system reforms on the medical institutions can be conducted through the firm implement of the separation on hospitals and medicine,the establishment on a reasonable salary system,and strengthening the doctors’ professional training and moral education.Other measures are: strengthening the information system construction,the community health service construction and the popularization of medical knowledge to prevent diseases and so on. |
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