农村基本医疗保险现状分析
毕业论文关键词：农村；政府；道德风险
Situation Analysis Of Rural Basic Medical Insurance
Abstract：As China's economic development, social progress, more and more attention to the development of the party and the government of rural society, farmers' health problems along with the progress of the rural economy is becoming the focus of attention. Since 2003 the implementation of the pilot new rural cooperative medical system by 2008 to achieve full coverage since the basic medical and health conditions in rural areas indeed been greatly improved, and the basic medical insurance system in rural areas has also continued to develop exploration. But there are still some problems in development, such as: moral hazard increase, appear potentially fraudulent behavior; the different parts of an embodiment of the birth of the difficulty of coordinating management; floating population problem is difficult to solve, in the paper on the basis of analysis of the current rural basic medical insurance status that need form the grass-roots government understanding,potentially fraudulent moral hazard,the allocation of medical resources,operation mechanism to solve the problem.
Key Words: Rural area; The government; Moral hazard
目 录
摘 要 1
Abstract 1
一、农村基本医疗保险的理论概述 2
（一）农村基本医疗保险的内涵 2
（二）农村基本医疗保险的发展历程 2
二、农村基本医疗保险实施中存在的问题 3
（一) 基层政府重视程度不够 3
（二）道德风险提高催生骗保行为 4
（三）农村基本医疗保险统筹层次低 5
（四）流动人口参保问题难以解决 5
三、完善农村基本医疗保险现状的建议 6
（一）提高基层政府认识 6
（二）降低骗保的道德风险 7
（三）优化医疗资源配置 8
（四）完善各地相关运行机制 8
参考文献 10
致谢 12
农村基本医疗保险现状分析
前言
近年来，和政府高度重视“三农”问题的解决，无论是在十八届四中全会上还是在刚刚过去的全国人民代表大会和全国人民政治协商会议中都有提到对农村、农民、农业发展的相关政策。作为一个农业大国，“三农”问题一直是我国发展战略中的关键问题，而如今农民的健康、医疗问题成为制约农村发展的因素之一。在农村尤其是
偏远地区的农村，很多农民看不起病或者是因病返穷，这些因素都成为制约农村经济的发展，成为建设小康社会的阻力，是建设和谐社会的不和谐因素。自2003年以来，新型农村医疗保险逐渐出现在农村人的视野，成为农民看病的保障，也成为农村经济发展的推动力，真正做到了减轻农民的经济负担和精神压力。2008年全国基本实现医疗保险的全覆盖，农村的基本医疗保险制度也越来越趋于成熟，越来越多的农民享受到了这一政策的优惠，农民看病贵、看病难的问题在一定程度上得到了解决。