Chinese Urban Medical Security System Researching

With step-by-step Chinese market economy system building-up, the social security system construction is also in acceleration. In 2006, from top to bottom, from administrative decision branch to theory boundary are all in enthusiastical discussion about our country health and medical community system. How to really building-up the medical security system which accords with common people benefit and satisfies the common people needs becomes important people's livelihood problem with Chinese economic growth and interrelated harmonious society. This thesis named of Chinese urban medical security system researching has research what medical security system we should build is suited to our national condition and can ensure common people healthcare benefit within broader scale.Firstly, thesis researching the history of our country health and medical community system reform, especially, the close reformation during the past 20, carries out the summary and self-examination being in progress systematically, from the history angle makes valuation out to Chinese medical security system: Early period after the founding of New China, our country has carried out medical services at state expense and labour-protection medical care, though city and town staff and worker medical treatment has got the sufficient guarantee, but the government and enterprise finance pressure are big , medical treatment cost is prompt quietly. Thereform, from opening reformation period to 1994, the main content of Chinese urban medical security system reformation is controlling the cost of medical treatment and optimizing the management. But medical treatment cost controls is not effective. Followly, with combining socially pooled funds with personal contributions medical security system reformation in our country opens drapery, which concentrating on resolving large medical insurance is perfect correctly, despite of this one system needs perfection.Secondly, applying economics theory to explain the phenomenon of difficultly and expensively see a doctor: With information asymmetry, doctor guides medical treatment need, urging medical treatment price to rising; Medical treatment price elasticity is small , leading to improving medical treatment price for increasing avails; Applying game method to analyze out if the business Insurance company want to prevent a hospital from arbitrarily exacting fees , it ought to improve probability of successful examine and strengthen punishment. Applying common product theory to explain that why the government and private organization should provide medical security commonly. Finally, applying information economic principle to explain the backing choosing problem and moral hazard in commerce insurance.Thirdly, the thesis compare four kinds of representative medical security system. Presently, all kinds of medical treatment insurance system be confronted with two kind problems: One is medical treatment cost increasing continuely and rapidly , one is the equality problem of healthcare serves. United Kingdom put the medical security of the whole people free of charge pattern into practice, but also bring much problem. One is that government pressure is very high, even effecting the other social developments. One is that wasting medical treatment of resources and lowing medical treatment serving efficiency. The Germany pattern is to put the whole people medical security into practice, by the way that employer and family paying money and government subsidizes to makes every resident participates in medical insurance. This premise is that the resident income l gap isn't wide, Employment rate is high and the resident has capability of pay premium according to that the standard. American hygiene system regulates that the resident who works getting an income pays the fee individually to join in the commercial insurance. So the individual burden of resident is heaven and the people out of employed can't medical security system. for Chinese condition, adopting the above-mentioned species pattern at present is not all practical.Then, the thesis analyses the problem of our the present medical security system: The multiple medical security system hasn't built perfectly, covering is not broad and medical treatment helps system and the subsidary medical treatment system need to improve, so it is difficult to ensure the benefit of vulnerable group. Since the medicine institutional reformation lags and medical insurance policy designs unperfectly, the individual burden of resident is heaven, the common people are difficult to see a doctor with high price of medical treatment The account pattern does not perfect. The fund is difficult to collecting and raising and management.Finally, for the problem of our present medical security system, thesis put suggestion as follows: 1.How to build a multiple society medical security system and how to improve medical treatment helps system and the subsidary medical treatment system. 2.How to improve the medicine institutional reformation and medical insurance policy to solve the problem of the common people are difficult to see a doctor with high price of medical treatment. 3.How to improve the account pattern and the fund management.