The Research On The Moral Hazard Of The Model Of Reimbursing Of New Rural Cooperative Medical System

China is an agricultural country. The farmer problems and the rural problems are playing an important role in country's Strategic development. The country's prosperity and development base on rural prosperity. Our country's economic level is raised roundly, and urbanization level also hit a new high with the policy reform and opening-up. To realize the industry's feedback to agricultural, the country's policy is overweighed in rural area after into 21 century. Not only increase the input in agriculture's development, but also pay attention to the farmers'living security problems especially on the health care problems. For the farmers who have a low income, the medical expenses will lead them to poverty and then hinder their development. To ease difficulties in medical care for the farmers, the country launched pilot projects to introduce a new cooperative medical care system (CMS) in rural areas, and it provides protection for the farmers'healthy.Since the implement of the new CMS in rural areas, billions of farmers have received benefits. But because the new CMS in rural areas involves insurants, listed hospitals, organization of agency of medical treatment insurance, etc, and the relations among these subjects are complicated. At the meantime, the medical treatment is a special market, it is very professional. There is information asymmetry among those subjects in the market, so moral hazard is easily happened. The fund of the new CMS in rural areas are public goods, not usual but invisible. Public goods are noncompetitive and exclusive, so those subjects play chess mutually for their maximal benefits, and it leads to kinds of moral hazard. The fund of the new CMS in rural areas is applied to reimbursement for the medical expense, and the system takes the new pattern the third-party payment, so the moral hazard in this new pattern of reimbursement become the key component in our study.The article has been abroad on the research existed, read a lot of relevant information and data, started from the analysis of the tripartite relationship of insured person, designated hospitals and medical insurance agencies, pointed out the existence of the moral hazard in the reimbursement process of new rural cooperative medical system,and discussed in details based on the relevant case, then analyzes the causes of moral hazard and its control strategy. The main reasons of moral hazard are divided into three areas: the Rational Man Behaviors of people act the parties, the features of new rural cooperative funds as public goods,and the weakness of the model of reimbursement. To resolve it ,four strategies are given : improvement of laws related to new rural cooperative; making competition of the designated medical institutions;improving the oversight mechanisms to the reimbursement process and the implementation of transactions in medical marketing system.