The New Rural Cooperative Medical Research And Commercial Insurance Cooperation

In view of the rural medical security is backward, low income of farmers, farmers "poverty caused by illness," the gravity of the situation, in2003the Central Committee began the pilot work of new rural cooperative medical service in some areas, the pilot to now has gone through eight years of history from the beginning, the new rural cooperative medical care development rapidly in the countryside, medical and health level of the peasants improved greatly. But in the new rural cooperative medical system development at the same time, also exist some problems, these problems are not solved the fundamental goal may not be achieved Central Committee formulated the policy. At the same time, the China Insurance Regulatory Department of Insurance Regulatory Commission (hereinafter referred to as the "Commission") to expand the scale of development and increase in pay agricultural insurance market, especially in2008, CIRC call the Business insurance company launched the "rural micro-insurance" products, and a pilot in the country. In fact, the pilot work of new rural cooperative medical care from the start, in fund management have to discuss cooperation with commercial insurance, commercial insurance is also trying to participate in the new rural cooperative, but the effect is just passable. The new rural cooperative medical care can cooperate with commercial insurance, what mode of cooperation to solve the problems of new rural cooperative medical system, and promote the development of rural commercial insurance business, to achieve "win-win" results, which is the main research. This thesis consists of five parts. The first part is the introduction of the new rural cooperative medical and commercial insurance cooperation background, purpose, research methods, the main theory tool and research approach. The second part of the rural market, the new rural cooperative medical and commercial insurance. The third part discusses the present new rural cooperative medical problems, and the application of institutional economics and information economics theory describes whether the new rural cooperative medical system and commercial insurance cooperation fund management mode can solve the problems. The fourth part puts forward the optional model of commercial insurance to participate in the new rural cooperative medical system, and according to the case design for new rural cooperative medical scheme two district of Tonghua City, Jilin Province, to evaluate the model. Starting from solving the outstanding problems of the new rural cooperative medical system’s point of view, I think the adverse selection, moral risk and present different income of farmers of different medical and compensation demand problem through this mode of cooperation can be solved. Whether it can ensure the reduction of the NCMS fund overdraft risk, guarantee fund sufficiency and whether the Business insurance company loss, from the new rural cooperative medical operation data for many years and Business insurance company actuarial analysis is performed on the basis of. The fifth part is the conclusion, the main arguments of the research conclusion, puts forward relevant policy suggestions.