Research On The Participation Of Commercial Insurance Company P In The Supervision Of Medical Security Fund

As a major institutional arrangement,medical security is related to the social stability and development of the country.Since the establishment of the medical insurance bureau in2018,China has built the world’s largest medical security network covering the whole country.As the top priority of the medical security system,the medical security fund is not only the material basis and financial support of the national medical security plan in the 14 th five year plan,but also the fundamental guarantee to further promote the high-quality development of medical security,protect people’s health and promote common prosperity.The operation safety of medical insurance fund is closely related to the vital interests of the people all over the country.It is the driving force for the healthy and sustainable development of the medical security system.Medical security fund involves many related subjects,long operation path,poor risk controllability,high regulatory complexity,and the regulatory situation is not optimistic.The supervision of medical insurance fund has always attracted the high attention of governments and scholars all over the world.It is related to the protection of the people’s right to health,as well as the sustainable development of the social security system.Based on the background of the current decentralization of local governments,the reform of medical insurance institutions and the improvement of management and service,this thesis takes the case of P commercial insurance company participating in the supervision of medical insurance funds in Xinyu,Baoji and Bozhou as the research object,focuses on the theme of improving the participation of commercial insurance companies in the supervision of medical insurance funds,and uses the theoretical basis of moral hazard,information asymmetry,government failure and cooperative governance,This thesis expounds and analyzes the current situation of commercial insurance companies participating in the supervision of medical insurance fund,studies the problems such as the separation of medical rights and responsibilities and the imperfect supervision mechanism of medical insurance fund,discusses the self-development of P commercial insurance company participating in the supervision of medical insurance fund,and discusses the lack of equal negotiation status in P commercial insurance company participating in the supervision of medical insurance fund The uncertainty of project duration and information sharing barriers are deeply analyzed,and the deep causes of the problems are explored.At the same time,drawing on the advanced practical experience of medical insurance fund supervision at home and abroad,this thesis combs and improves the ideas and Countermeasures for reference.Finally,in view of the above problems,this thesis puts forward six suggestions to improve the level of commercial insurance companies participating in the supervision of medical insurance funds: improve the system and mechanism,clarify their responsibilities and authorities,enhance scientific and technological empowerment,improve performance evaluation,increase legal publicity,improve the medical insurance credit system,and build a supervision ecological system.