發(fā)布時(shí)間：2018-01-28 19:22

  本文關(guān)鍵詞： 精準(zhǔn)扶貧 大病保險(xiǎn) 對(duì)策　出處：《廣西大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：現(xiàn)階段我國(guó)正處于社會(huì)轉(zhuǎn)型期,社會(huì)成員獲得經(jīng)濟(jì)社會(huì)資源時(shí)的差異性導(dǎo)致部分經(jīng)濟(jì)困難人群的出現(xiàn),他們對(duì)疾病風(fēng)險(xiǎn)的承受能力弱,在遇到重特大疾病時(shí)的抵抗能力較普通人群低下,復(fù)原能力也較弱,從而導(dǎo)致災(zāi)難性衛(wèi)生支出的發(fā)生。為提升他們抵御重大疾病經(jīng)濟(jì)風(fēng)險(xiǎn)的能力,國(guó)家六部委于2012年8月,聯(lián)合出臺(tái)了《關(guān)于開展城鄉(xiāng)居民大病保險(xiǎn)工作的指導(dǎo)意見》,而各地區(qū)也根據(jù)指導(dǎo)意見的指示并結(jié)合自身的實(shí)際情況展開了試點(diǎn)工作。隨著城鄉(xiāng)居民大病保險(xiǎn)制度的實(shí)施和不斷完善,貧困居民因病返貧的狀況得到明顯改善,這也證明了我國(guó)商業(yè)健康保險(xiǎn)和社會(huì)基本醫(yī)療保險(xiǎn)之間的有效配合取得了重大性的突破。早在2014年,將大病醫(yī)保與精準(zhǔn)扶貧結(jié)合來解決因病致貧難題,讓保險(xiǎn)助力精準(zhǔn)扶貧的具體工作就已經(jīng)開展,如扶貧項(xiàng)目信用保證保險(xiǎn)、政策性農(nóng)業(yè)保險(xiǎn)以及本文研究的大病保險(xiǎn)等,這標(biāo)志著保險(xiǎn)助力精準(zhǔn)扶貧的框架已經(jīng)形成,并在不斷嘗試推行和完善之中。精準(zhǔn)扶貧工作與大病保險(xiǎn)制度的有效結(jié)合,是一項(xiàng)利國(guó)利民的好政策:利國(guó),大病保險(xiǎn)的健康持續(xù)運(yùn)行能夠改善貧困居民因病返貧的現(xiàn)象,推動(dòng)我國(guó)全面構(gòu)建小康社會(huì)的進(jìn)程以及提升我國(guó)的國(guó)際競(jìng)爭(zhēng)力;利民,這是政策結(jié)合的最終目的,從根本上解決我國(guó)貧困居民的就醫(yī)問題,并進(jìn)一步改善其生活狀況。所以保險(xiǎn)業(yè)在精準(zhǔn)扶貧工作推進(jìn)的過程中發(fā)揮著重要作用。本論文主要分為五個(gè)章節(jié)。第一章為緒論,介紹了該選題的大背景,如研究方向、意義和方法等;第二章闡述了精準(zhǔn)扶貧、大病保險(xiǎn)的相關(guān)概念,精準(zhǔn)扶貧工作機(jī)制如何運(yùn)轉(zhuǎn),及建立城鄉(xiāng)居民大病保險(xiǎn)制度的必要性分析,為理論研究奠定基礎(chǔ);第三章主要介紹了我國(guó)扶貧開發(fā)工作從改革開放到新階段的發(fā)展歷程及現(xiàn)狀,還有我國(guó)大病保險(xiǎn)的發(fā)展歷程、現(xiàn)狀分析及各地區(qū)的試點(diǎn)開展?fàn)顩r;第四章針對(duì)目前我國(guó)試點(diǎn)中仍存在的問題,分別從基金效率、籌資渠道、費(fèi)率厘定、醫(yī)療風(fēng)險(xiǎn)管控和職責(zé)界限等五個(gè)方面進(jìn)行深入分析;第五章就是針對(duì)試點(diǎn)中存在的這些問題,結(jié)合精準(zhǔn)扶貧政策,提出有益的對(duì)策及建議。
[Abstract]:At this stage, our country is in the social transition period, the difference of social members in obtaining economic and social resources leads to the emergence of some people with economic difficulties, their ability to bear the risk of disease is weak. The resistance and resilience of the general population are lower than those of the general population in the case of severe and severe diseases, which leads to catastrophic health expenditure in order to enhance their ability to resist the economic risk of major diseases. In August 2012, the State's six ministries and commissions jointly issued the "guidelines on the Development of serious illness Insurance for Urban and Rural residents". According to the guidance of the guidelines and in accordance with their own actual situation, the pilot work has been carried out. With the implementation and continuous improvement of the urban and rural residents' serious illness insurance system. The situation of poor residents returning to poverty has been obviously improved, which also proves that the effective cooperation between commercial health insurance and social basic medical insurance has made a significant breakthrough. As early as 2014. The combination of medical insurance for serious illness and precision poverty alleviation to solve the problem of poverty caused by illness, so that the specific work of helping the poor with precision insurance has been carried out, such as poverty alleviation project credit guarantee insurance. The policy-oriented agricultural insurance and the serious illness insurance studied in this paper, which indicates that the insurance helps the precision of poverty reduction framework has been formed. And continue to try to promote and improve. Precision poverty relief work and the effective combination of serious illness insurance system is a good policy for the benefit of the country and the people: benefit the country. The healthy and sustainable operation of the serious illness insurance can improve the phenomenon of poor residents returning to poverty because of illness, promote the process of building a well-off society in an all-round way and promote the international competitiveness of our country. Benefit to the people, this is the ultimate goal of policy combination, fundamentally solve the problem of poor residents of our country to seek medical treatment. And further improve its living conditions. Therefore, the insurance industry in the process of precision poverty alleviation work plays an important role. This paper is divided into five chapters. The first chapter is the introduction, introduced the background of this topic. Such as research direction, significance and methods; The second chapter expounds the related concepts of precision poverty alleviation and serious illness insurance, how to operate the precision poverty alleviation working mechanism, and the necessity analysis of establishing the urban and rural residents' serious illness insurance system, which lays a foundation for the theoretical research. The third chapter mainly introduces the development of poverty alleviation and development in China from the reform and opening up to the new stage, as well as the development process of China's major illness insurance, the current situation analysis and the status of the pilot projects in various regions. Chapter 4th, aiming at the problems that still exist in the pilot project in our country, analyzes the fund efficiency, the financing channel, the rate determination, the medical risk management and control and the duty limit respectively. Chapter 5th is aimed at these problems in the pilot project, combining with the policy of precision poverty alleviation, and puts forward some useful countermeasures and suggestions.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：R197.1;F842.684

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 宮留記;;政府主導(dǎo)下市場(chǎng)化扶貧機(jī)制的構(gòu)建與創(chuàng)新模式研究——基于精準(zhǔn)扶貧視角[J];中國(guó)軟科學(xué);2016年05期

2 易棉陽;;論習(xí)近平的精準(zhǔn)扶貧戰(zhàn)略思想[J];貴州社會(huì)科學(xué);2016年05期

3 趙曉峰;邢成舉;;農(nóng)民合作社與精準(zhǔn)扶貧協(xié)同發(fā)展機(jī)制構(gòu)建:理論邏輯與實(shí)踐路徑[J];農(nóng)業(yè)經(jīng)濟(jì)問題;2016年04期

4 莫光輝;;精準(zhǔn)扶貧:中國(guó)扶貧開發(fā)模式的內(nèi)生變革與治理突破[J];中國(guó)特色社會(huì)主義研究;2016年02期

5 李裕瑞;曹智;鄭小玉;劉彥隨;;我國(guó)實(shí)施精準(zhǔn)扶貧的區(qū)域模式與可持續(xù)途徑[J];中國(guó)科學(xué)院院刊;2016年03期

6 蔡輝;吳海波;;大病保險(xiǎn)與重疾險(xiǎn):制度比較與融合發(fā)展[J];衛(wèi)生經(jīng)濟(jì)研究;2015年12期

7 馬千慧;高廣穎;馬騁宇;賈繼榮;那春霞;俞金枝;段婷;;新型農(nóng)村合作醫(yī)療大病保險(xiǎn)受益公平性分析:基于北京市三個(gè)區(qū)縣的數(shù)據(jù)分析[J];中國(guó)衛(wèi)生經(jīng)濟(jì);2015年10期

8 王國(guó)勇;邢n，

本文編號(hào)：1471335