The New Rural Cooperative Medical Insurance Appropriate Funding Level Research

New rural cooperative medical insurance system as a new policy system, not onlyfor China’s rich and perfect social security system, especially the innovation and reformon rural social security system. Because of the traditional rural cooperative medicalinsurance system already cannot satisfy the increasing of farmers medical servicedemand, farmers "difficulty and high cost of treatment" of the increasingly prominentphenomenon, serious and even lead to social instability factors, based on the abovereasons, the government related department after repeated research, on the basis of thepilot, around2003in the rural areas in the form of pilot implementation of the new ruralcooperative medical insurance system, funding level is30yuan per capita, this systempopularized nationwide in2007, the funding level is58.9yuan per capita, the accountingrate of86.2%, to2011funding level is246.2yuan per capita, ginseng to rate achieved97%, basically achieving full coverage. The new rural cooperative medical insurancesystem has been running for11years, to a certain extent reduce the economic burden ofrural residents medical treatment, to safeguard social survival equity between urban andrural areas, rural areas, rural social stability has played a positive role in sustainableeconomic development, etc. That is make up for the blank of rural medical securitysystem.The new rural cooperative medical insurance system has made some remarkableachievements, but the system itself still exist imperfections, such as: financing level islow; Financing without dynamic adjustment mechanism; Funding level no problem onthe need of farmers’ health level to determine the and so on. This paper tries to under theguide of relevant theories, by using a variety of statistical analysis method, based on thedisposable income of farmers, farmers health spending, government financial subsidy inthree aspects, such as dynamic new farmers raise moderate level is determined, and twomodest scheme is given. On the basis of scientific analysis estimation program, toimprove the rural medical insurance level, the national social security level put forwardthe corresponding countermeasures and Suggestions.This paper mainly divided into the following five parts:The first part of the relevant concept definition and theoretical overview. Throughthe rural medical and health care and rural medical insurance financing theory as a newtype of rural cooperative medical insurance fundraising research rationale, and thespecific divided into: eliminate the urban-rural dual social structure theory, theory ofurban and rural social security as a whole, urban and rural residents living fair theory, the burden of rural residents moderate theory, theory of government responsibility in themedical insurance, medical insurance payment responsibility of reasonable sharingtheory and so on six theory, for the detailed and specific measure to provide solidtheoretical basis.The second part of system of new farmers and financing present situation, problemsand its reason analysis. By suggesting new farming and system running situation, andthen summed up the new farmers and raised a series of problems, and detailed analysis ofthe causes of these problems.The third part of the new agriculture system modest financing level analysis. Partthe focus of this article, based on the analysis of farmers’ disposable income modestfunding level and based on the analysis of fiscal subsidies dynamic modest funding level,then calculate new farming and raising of individual pay cost responsibility at all levelsof government and farmers, to determine the capture to expend the parties funding level,sum raised levels of financing subject, to get a plan per capita funding level; Based onthe analysis of farmers’ medical expenses modest funding level, to measure the newfarmers raise per capita level of the second set of solutions.Part IV implementation feasibility analysis of new farming and modest fundinglevel. By analyzing the ability of farmers’ income, farmers health spending growth,financial ability to pay, analysis measured schemes have realistic operation significance.Part V implement new agricultural moderate raising level of policyrecommendations. In view of the problems, according to the measured data, put forwardto speed up the rural economic development, increase farmers’ income; Design farmersfinancing level dynamic adjustment mechanism; Moderately improve the level ofgovernment fiscal burden of funding; Establish farmers disease incidence and diseaseinformation accumulation mechanism; Establishment and medical supply systemcorresponds to the farmers’ medical needs five policy Suggestions, such as for the newrural cooperative medical insurance system, rural social security system, and even ideasfor China’s social security system reform, the reform direction and policy basis.