| Critical illnesses insurance system establishing joins a serious illness being putinto effect being indicating commerce health insurance participation society medicalinsurance administration having already got a breakthrough. The feasible effectmedical treatment resource reasonableness being sure that system has brought marketmechanism into play assigns a critical illnesses and deploys impartially, efficiencythat the medical treatment having also made use of commerce to be sure that theorganization experience and special field technological superiority improve societymanages. Now, critical illnesses is sure that need is perfect in still having manyquestion in putting process into practice and solves, especially commerce is sure thatorganization manages critical illnesses insurance’s but the persistence problem, thisbecomes a austere difficult problem swaying before us. The angle analyses frommacroscopic view, the factor restricting critical illnesses insurance sustainabledevelopment sums up at present2o’clock is the problem that the financing and riskcontrol mainly. The article has analysed4o’clock concretely, Firstly, raise capital tohorizontal and ensure horizontal inharmonious mating, critical illnesses is sure thatthe financing has ensured that broad coverage composes in reply capability ofadapting self to face to face on machine-made design, the guarantee easy to form theunable satisfied horizontal low financing request is horizontal, arouse both unbalanceproblems. Secondly, the fund raises a channel unitary, the critical illnesses currently ineffect is sure that the system fund prepares money structure single-rization, isharmful for critical illnesses to be sure developing enduringly. Third, commerce issure that organization "guarantees the originally tiny interest rate " problem,commerce safety unit manage safe profit of critical illnesses space is narrow andlimited, in addition preceding two problems make an insurance company extremelyeasy to be confronted with a deficit, affect critical illnesses insurance’s butpersistence. All above these problem damages the government, insurance companyand people’s benefit not only, the formation stabilizing development at the same timealso to safe health of critical illnesses hinders, the persistence having affected safemay of critical illnesses gravely develops.The article starts off in order resolving the above-mentioned four problems,secondary microcosmic angle, the critical illnesses to be sure that the fund balancesreceipts and payment in order point of penetration comes to study in a deepgoing way,the scheduled time resolving a critical illnesses being sure that the fund is suitable balances and is hit by the long-term balance problem, that this is that the commercesafety unit manages critical illnesses insurance services health stabilizes the premisedeveloping, the key that the person but persistence develops. And the thesissynthesizes the various factor considering the balance affecting a fund therefore,originally, medical treatment certainly pays cost action an object of study in order tobeing in hospital, the carry out research and quantitative horizontal data measures andcalculates to safe financing of critical illnesses, the analytical forecast criticalillnessesis sure that the fund is unlike compensation horizontal pay for Fu adisbursement down, ascertain horizontal influencing factor of critical illnessesinsurance financing, dynamic adjustable studying the financing is horizontal further,this weight of being to ensure that the critical illnesses is sure that the weight being hitby long-term sustainable development is middle.The thesis sets off from the fundamental theory that government purchase publicservice and commerce health insurance participation society medical insurancemanage, commerce health insurance participation society medical security managesadvanced experience aspiration abroad, analyses domestic critical illnesses medicalinsurance experimental unit city operation, discusses problem facing our countrycritical illnesses insurance sustained development and. The critical illnesses insuresthe example with He Fei city and town, the analytical critical illnesses is sure that thefinancing is horizontal by the fact that quantitative analysis and demonstration study,being hit by the long range’s but the persistence problem, finally build a model by thefact that data demonstration is sure that the per capita financing forehead and averageannual disposable incomes per urban resident carry out essence to the serious illness,analytical economic growth is horizontal and the financing is horizontal betweendynamic relation, forecast economy continues increasing the safe per capita lowerserious illness financing forehead, in order the building-up critical illnesses sure thatdynamic horizontal financing adjustment mechanism provides a reference. Submitcritical illnesses insurance sustainable development countermeasure suggestionfinally.Underneath is main article content and viewpoint:Part I, system discuss safe research of serious illness background, studysignificance. The theory summing up safe commerce participation society medicaltreatment administration is propped up, is set forth the characteristic managing thepattern choice and advantage that the serious illness buys insurance, aspect research current situation and relevance documents such as medical insurance systemexperience and our country experimental unit area critical illnesses insurance practicedemonstration sums up abroad, the major objective analysing an article composes inreply important content, bring forward the train of thought and method studying.Part II, the theory carrying out a boundary on safe relevance of critical illnessesconcept stable and fundamental. The critical illnesses is sure that the relevanceconcept includes urban and rural residents critical illnesses insurance system, thecritical illnesses is sure that the tally gives supplies to three level aspect content.Fundamental theory is discussed including that the secondary government buyingpublic service theory, commerce health being sure that participation society medicalinsurance manages two aspect being sure that organization manages the safe rationaleof critical illnesses being in progress to commerce. Medical insurance guesses thatprinciple is that chapters and sections carries out several reason basis of fund balancebetween income and expenditure calculation behind the main body of a book onbalance extremely.Part III, the insurance studying critical illnesses in recent years present situationand problem. Seal complies with Zhanjiang, Tai Cang, Xia men City experimentalunit patterns safer than representative critical illnesses, comes to analyse it workingeffect concretely. Study result display: The critical illnesses is sure there existingdifficult four cause in sustainable development, which the financing is horizontal andensures the horizontal block of wood matching, fund raising channel single, tinybenefit of commerce safety unit break even, dynamic machine-made adjustmenthiatus.Part IV, takes He Fei city and town critical illnesses insurance as example,organization wielding quantitative analysis method buying insurance to commercemanage critical illnesses insurance services’s but persistence problem carry outthorough research. And sketch He Fei city serious illness being sure that the guaranteeis horizontal and the financing is horizontal, measure and calculate the He Fei citycritical illnesses being sure that standing a loss of under back-off different proportionpays a disbursement, the forecast critical illnesses is sure that fund future runs resultand analyses it’s horizontal rationality of financing, ascertain that to affecting criticalillnesses being sure that every financing level relevance factor is in progress, build theper capita financing forehead and the important relevance factor. Secondary ultimateaverage annual disposable incomes per urban resident are such factor start, discuss the adjusted feasibility of horizontal development of critical illnesses insurancefinancing scheme.Part V, the effect introducing development of USA and Europe commerce healthinsurance, aspiration commerce health insurance participates in the advancedexperience that medical security system builds.And sixth parts, the conclusions summing up important preceding chapters andsections viewpoint, reaching article basic, suggest that commerce is sure thatorganization manages some critical illnesses insurance sustainable developmentsuggestion. One, structures critical illnesses being sure that dynamic risk adjustmentis machine-made, from how the macroscopic and microcosmic angle comes to analysestructuring it’s mechanism. It’s two, the perfect critical illnesses are sure that manychannels tally gives supplies to structure, the channel financing way needs to complywith the government, society and individual come to think sufficiently muchly.Place of the main body of a book FOAK: That the thesis keeps a foothold isdeveloping urban and rural residents critical illnesses insurance, the persistenceproblem studying the commerce insurance company manages safe may of criticalillnesses, agrees with the request that current Chinese medical security develops. Thearticle takes restricting the problem at4o’clock that critical illnesses insurance butpersistence develops as basis, deep into and the feasibility scheme having discussedhorizontal development of critical illnesses insurance financing adjustment by the factthat the critical illnesses is sure that the fund is hit by long-term balance in order pointof penetration comes to study the critical illnesses is sure that persistence developsproblem,this exactly is place of the main body of a book FOAK. Innovative concretepoint has the following to burn almost:First, study critical illnesses insurance in recent years the present situation,arranges the primal problem summing up four facing critical illnesses insurancesustained development.Second, applies society health insurance to guess that method comes to study thecritical illnesses is sure that the long range balances problem in the fund extremely.Third, is sure that the tally gives supplies to horizontal influencing factor by thefact that data analysis software ascertains critical illnesses, builds and the per capita financing forehead and the average annual disposable incomes per urban residentreturn model.Fourth, critical illnesses is sure that dynamic horizontal financing adjustable isanalytical.The article defects: Study the critical illnesses is sure that working experimentalunit city effect analyses this lesson, the data gains a data only by browsing adocument, does not survey the data and material collecting trick on the spot,analytical concrete problem is now and then not enough minute. The critical illnessesis sure that the tally gives supplies to true qualitative analysis of horizontalinfluencing factor, the time thinking degree using a data is shorter. Researchadjusting machine-made design in development has been upper, because the personalability is limited, the horizontal angle has designed the dynamic adjusted schemeonly from the financing, not having adjusted mechanism from every systematicaspect design set of development, can study further in the days to come. |
