Commercial Insurers To Participate In The Path Analysis Of The Construction Of The Rural Medical Security System

China started the experimental new rural cooperative medical care system (NRCMS) from2003. The system design goal is built in the whole nation cover rural residents’ medical security system to reduce the farmer due to illness with the economic burden, raising farmers’ health level. After seven years of development, the new rural cooperative medical made very significant achievements, but there are some prominent problems, which may lead to the fundamental goal is to cannot come true. Almost at the same time, in the insurance supervision department, pushed by the insurance industry to strengthen the county insurance market development and expansion, and in2008began to develop rural small personal insurance pilot. As early as in2003the new rural cooperative medical care pilot at the beginning of, have a commercial insurance to participate in the new rural cooperative medical fund management system innovation, but the overall effect is not significant. In the public health administrative department and the insurance supervision department jointly promote, commercial insurance as a exogenous factors are involved in the new rural cooperative medical care, whether and to what mode makes the new rural cooperative medical out of difficulties, to perfect? This is the main problem to study in this paper.The full text is divided into five parts. The first part introduces the research in this paper commercial insurance to participate in the new rural cooperative medical problems background, purpose, research methods and research ideas. The second part reviews the new rural cooperative medical care and the rural life insurance market research progress and results. The third part discusses the new rural cooperative medical existing problems. The fourth part introduces the commercial insurance companies operating rural medical insurance situation. The fifth part puts forward commercial insurance to participate in the new rural cooperative medical optional model, at the same time to design a specific plan, and can solve the new rural cooperative medical system problems Angle to evaluate its performance. The sixth part puts forward the commercial insurance company involved in rural medical security system effective path.