摘要
本文根据作者掌握的档案文献资料和田野调查 ,回顾农村合作医疗制度的兴衰 ,分析目前重建合作医疗保险所遇到的问题 ,探寻可供进一步试验的备选政策方案。文章表明 ,合作医疗保险由于在单个乡镇和村庄地域内推行 ,参保人群规模小 ,组织成本高 ,不足以分散风险 ,也难以承担扶贫的功能。在乡村工业化程度高的地域 ,出路在于实行城乡一体化的社会医疗保险。在其它地区 ,设立政府或非政府医疗救济基金来扶助贫困人群 ,才是更为经济可行的办法。
Based on the local archive and author′s field studies this paper will review the historical development of the cooperative health insurance system and analyze the problems emerging in the ongoing experiment of reestablishing the cooperative systems.From these observations and analyses some policy options will be identified.It is concluded that the cooperative insurance neither can effectively disperse risks among participants within a village or a township,nor can it undertake the function of poverty reduction.This is because the scale of the population within a village or a township is small while the organizational costs of the cooperative insurance are relatively high.A way out of such difficulties is to build an integrated social health insurance system for both urban and rural people in highly industrialized counties.However,a more economic and feasible practice for those less industrialized areas is to set up both government and non government relief funds to assist the poor to have access to the basic health care.
出处
《金融研究》
CSSCI
北大核心
2000年第5期13-19,共7页
Journal of Financial Research
