Research Of Design Of Medical Insurance Payment Based On Principal-agent Theory

Since the founding of the PRC,with the rapid development of China's economy and society,the progress of medical undertakings,the healthy level of our people is continuously improved.However,the cost of health care is growing,showing an increase in total health costs and an increase in people's health burdens.On the other hand,the overall medical resources is inadequate,the distribution of medical resources in the region and the population is also uneven.People generally reflect that it is expensive,difficult to see a doctor,Which has affected the benign development of doctor-patient relationship.At present,China's health insurance system which including urban workers medical insurance,urban residents medical insurance,new rural cooperative medical care,basically achieves full coverage.But still can not solve the problem of medical problems.The reform of the health insurance system is considered to be the fundamental way to solve the problem.And health insurance payment reform is a priority for all,.Therefore,this paper explores the medical insurance system and payment methods of several countries in China and abroad,and designs the way of trading between doctors and patients by using the principal-agent theory,hoping to find out the way that is suitable for our country and can solve the current problems effectively.First of all,this paper uses the principal-agent theory to analyze the main body of the medical insurance market,and emphatically introduces the principal-agent relationship between doctors and patients.In addition,analyzing deeply of existing information asymmetry problems,which includes moral hazard and reverse selection.Examining several representative payment methods,drawing the future possible development trend and learning the worthy experience,to provide ideas for the design of medical insurance payment.Therefore,on the basis of the previous analysis,this paper designs three different doctors and patients trading contract: The first kind of doctor-patient transaction linear contract is The post-payment system shall be paid by the project,based on our current actual situation;the second payment system is still to pay the postpaid system according to the project,but the introduction ofthe incentive mechanism,the curative effect of patients with a doctor's income phase relationship,makes the doctor's income was positively related with curative effect;the third is total prepaid system.The parametric method,the distribution function is used to analyze.Finally,the paper draws the conclusion,and puts forward some suggestions on the reform of China's health care system.Research shows that the impact of institutional arrangements on economic performance is obvious.In the special contractual relationship between doctors and patients,through different forms of transactions,the quality and quantity of the medical services provided by the doctors is different,indicating the direction of the medical reform and success.The three types of transactions have their own characteristics.China's traditional postpaid system,in accordance with the project fee to pay the medical expenses,reduces the doctor enthusiasm of improving the medical level and the number of the service,increases patients' participation in medical expenses and treatment time,increases the amount of medical work.At the same time,to a certain extent,to promote the growth of medical expenses,all this has as a reason of the problems.This payment requires the doctor to take more risks.The introduction of doctors to share the "patient treatment effect",can increase the doctor to improve the quality of medical care efforts can maximize the enthusiasm of doctors to improve the quality of service.But at the same time,may cause the price of medical services to rise.The implementation of the total amount of payment,post-paid transaction,is conducive to reducing medical expenses.The results of this study can provide new train of thought for the current reform of the health insurance system.According to the above,this paper puts forward some policy suggestions: introducing total prepaid system,paying the incentive mechanism of the doctor,realizing the rationalization of the diagnosis and treatment value and increasing the transfer cost of the service quantity and quality.