The Study On The Moral Hazard And Adverse Selection Of The New Rural Cooperative Medical System

The New Rural Cooperative Medical System is a major move for abating the problem of poor for disease and back to be poor for disease,assuring health and achieving social equity, constructing a harmonious socialist society.The New Rural Cooperative Medical System is operating as a social medical assurance,being influenced by the information asymmetry,due to this,the moral hazard and adverse selection problem become the bottleneck restricting the sustainable development of the New Rural Cooperative Medical System.If we can't treat the problem well,it can cause the shrinking of the new rural cooperative medical market.The existence of the adverse selection will low the farmers' participating level,and enforce the safety of the funds.The moral hazard of the participants will force the system to deviate its initial purpose,so difficulty of getting medical service and high cost of getting medical service will not be well resolved.In the New Rural Cooperative Medical System,the relations among the participants including governments,farmers,medical agencies are very special and complicated,because of the information asymmetry,the moral hazard and adverse selection will be more obvious.The medical service is high professionally and scientific,farmers are lack of the medical knowledge, the information asymmetry problem will be more serious;The rural health agencies,especially the township hospitals and the village health clinics,short of funds and the behavior harmful to the New Rural Cooperative Medical System will be emerged for the commerce interests;The third party pay which the New Rural Cooperative Medical System used will lead to the complication of the rations among every part,and lead to the information asymmetry becoming more seriously.Especially system of the voluntary participation and the serious coordination will increase the adverse selection and the moral hazard.In this paper,based on the research of Linqu,deeply analyze the system and the participants.It learns from the city medical assurance system's risks prevention strategy,bring out the direct strategy for every participant party.Particular emphasis on the reform and the management of the rural health agencies,then put forward to utilizing the orientation of The New Rural Cooperative Medical System to promote the rural medical system reform,controlling the adverse selection and moral hazard fundamentally;Establish the information disclosure system,greater the efforts of information publicity and its normative;Reform the New Rural Cooperative Medical System,from voluntary participation to semi-compulsory participation.