城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制研究

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目 錄
第1章 緒論 1
1.1 研究背景 1
1.2研究目的和意義 2
1.2.1研究目的 2
1.3國內(nèi)外相關(guān)研究綜述 2
1.3.1國內(nèi)研究綜述 2
1.3.2國外研究綜述 3
第2章 研究我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制的理論依據(jù) 4
2.1基本概念 4
2.1.1城鄉(xiāng)居民大病保險(xiǎn) 4
2.1.2籌資機(jī)制 5
2.2相關(guān)理論基礎(chǔ) 5
2.2.1福利經(jīng)濟(jì)學(xué)理論 5
2.2.2公共產(chǎn)品理論 6
第3章 我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制現(xiàn)狀分析 6
3.1我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制基本情況 6
3.1.1籌資渠道基本情況 6
3.1.2籌資標(biāo)準(zhǔn)基本情況 7
3.1.3統(tǒng)籌層次和范圍基本情況 8
3.2我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制存在問題 8
3.2.1籌資渠道單一 8
3.2.2籌資標(biāo)準(zhǔn)不合理 9
3.2.3統(tǒng)籌層次較低，范圍較窄 10
3.3我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制存在問題的原因分析 10
3.3.1籌資渠道單一的原因分析 10
3.3.2籌資標(biāo)準(zhǔn)不合理的原因分析 10
3.3.3統(tǒng)籌層次較低、范圍較窄的原因分析 11
第4章 國外大病保險(xiǎn)籌資機(jī)制的實(shí)踐及借鑒 11
4.1國外大病保險(xiǎn)籌資機(jī)制實(shí)踐的基本情況 11
4.1.1商業(yè)醫(yī)療保險(xiǎn)主導(dǎo)型 11
4.1.2國家醫(yī)療保險(xiǎn)主導(dǎo)型 12
4.1.3社會(huì)醫(yī)療保險(xiǎn)主導(dǎo)型 13
4.2國外大病保險(xiǎn)籌資機(jī)制對(duì)我國的借鑒意義 13
4.2.1商業(yè)醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)對(duì)我國的借鑒意義 13
4.2.2國家醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)對(duì)我國的借鑒意義 14
4.2.3社會(huì)醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)對(duì)我國的借鑒意義 14
第5章 完善我國城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制的建議 14
5.1拓寬籌資渠道 15
5.2合理確定大病保險(xiǎn)的籌資標(biāo)準(zhǔn) 16
5.3提高大病保險(xiǎn)統(tǒng)籌層次，增強(qiáng)抗風(fēng)險(xiǎn)能力 17
結(jié) 論 17
致 謝 18
參考文獻(xiàn)： 19

摘要 城鄉(xiāng)居民大病保險(xiǎn)是在城鎮(zhèn)居民醫(yī)保和新農(nóng)合的基礎(chǔ)上，為緩解城鄉(xiāng)居民因大病所產(chǎn)生的沉重經(jīng)濟(jì)負(fù)擔(dān)而建立的，現(xiàn)今我國的大病保險(xiǎn)還處在試點(diǎn)摸索階段，在各方面還存在著不足，而健全的城鄉(xiāng)居民大病保險(xiǎn)籌資機(jī)制可以保障城鄉(xiāng)居民大病保險(xiǎn)資金的合理運(yùn)轉(zhuǎn)，是城鄉(xiāng)居民大病保險(xiǎn)能夠長效發(fā)展的基礎(chǔ)。本文通過對(duì)大病保險(xiǎn)的籌資機(jī)制，包括籌資渠道，籌資標(biāo)準(zhǔn)以及統(tǒng)籌層次與范圍的現(xiàn)況研究，找出其中的問題，例如籌資渠道單一、籌資標(biāo)準(zhǔn)不統(tǒng)一、統(tǒng)籌層次低等，并分析產(chǎn)生這些問題的相關(guān)原因，同時(shí)借鑒國外大病保險(xiǎn)的相關(guān)經(jīng)驗(yàn)，特別是對(duì)以美國為代表的商業(yè)醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)、以英國為代表的國家醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)和以德國為代表的社會(huì)醫(yī)療保險(xiǎn)主導(dǎo)型大病保險(xiǎn)進(jìn)行分析，與我國的相關(guān)情況相比較，提出對(duì)我國大病保險(xiǎn)籌資機(jī)制的相關(guān)建議，包括建立穩(wěn)定、多渠道的籌資機(jī)制，合理確定大病保險(xiǎn)的籌資標(biāo)準(zhǔn)，提高大病保險(xiǎn)統(tǒng)籌層次等，希望對(duì)我國大病保險(xiǎn)的發(fā)展有一定的借鑒意義。
關(guān)鍵字: 大病保險(xiǎn) 籌資機(jī)制 籌資渠道 籌資標(biāo)準(zhǔn)


Research on Funding Mechanisms of Urban and Rural Residents in Critical Illness Insurance
Abstract Critical illness insurance of urban and rural residents is based on medical insurance for urban residents and the new rural cooperative medical system, which is built to ease the financial burden of illness for urban and rural residents. Nowadays our country's critical illness insurance is still in the experimental stage, which exists many disadvantages in all respects, but a healthy critical illness insurance institution can guarantee the reasonable operation of funds, which is the basis of the long-term development of urban and rural residents. In this paper, I find out some problems and analyze the reasons of these problems, such as single financing channels, disunited financing standard, low-level coordination by analyzing the financing mechanism of a serious illness insurance, including the financing channels, financing standard and cross-sectional study level and scope. And the same time I will put forward some suggestions about our critical illness insurance institution, including establish a stable and multi-channel insurance institution, determine a reasonable financing standard, improve serious illness insurance level by learning related experience from foreign serious illness insurance, especially the social medical insurance, national health insurance for the commercial medical insurance to America as the representative of the dominant critical illness insurance, represented by Britain led the serious disease insurance and to Germany as the representative of the dominant critical illness insurance related analysis, comparing them with our recommendations, financing mechanism of our country's serious illness insurance, pooling level. I hope this paper have the certain reference significance to the development of China's serious illness insurance.

Key words Critical Illness Insurance Funding Mechanisms Financing Channels Funding Standard