Research On The Precision Poverty Alleviation Of Medical Insurance Under The Big Data Scenario

At present,China has a realistic problem of a large number of poor people and a heavy task of getting rid of poverty.Therefore,in 2015,the country comprehensively deployed an overall strategy for precision poverty alleviation,and proposed an interpretation of the concept of precision poverty alleviation through data goals,and gave full play to the application value of accurate data positioning and open sharing.The insurance industry attaches great importance to helping the poor,and has a natural intrinsic link with poverty eradication.At the same time,insurance has natural and precise attributes.According to the principal-agent theory,social public governance theory,and performance assessment theory,insurance institutions participate in precision poverty alleviation and can play professional advantages.,Become an effective executor and lander of precision poverty alleviation policies.In China's rural areas,due to poor medical security conditions and low levels of economic income,family members have to bear high medical costs after suffering major illnesses,which leads to the collapse of many families' economies.The problem of serious illness becomes the focus of precision poverty alleviation.In view of this,the paper puts forward the following research questions: Does big data have any value for insurance precision poverty alleviation? How to use big data to play a role in medical insurance poverty alleviation? How to design an accurate poverty alleviation program based on big data health insurance? In order to solve these problems,the thesis firstly clarifies the theoretical basis and development status of precision poverty alleviation in insurance: There are a large number of poor people in poverty alleviation,different poverty causes,and poverty levels cannot be accurately identified.Difficulties: There is a problem that the insurance poverty fund is used due to information asymmetry,such as over-consumption of funds,insurance risk fraud,etc.The precise placement of insurance funds;there is no real-time,dynamic monitoring of the effects of poverty alleviation,so as to improve the effect of poverty alleviation and other insurance optimization management problems.Secondly,the paper avoids traditional poverty alleviation thinking and proposes to use management ideas and techniques based on big data to solve various functions such as data acquisition,storage,management,analysis and excavation,visualization,and integration in precision poverty alleviation.Again,the dissertation designed a system design plan for accurate poverty alleviation of medical insurance.Based on the theory of political economy,big data theory,and big data technology,the program studies the status quo and outstanding problems of precision poverty alleviation through insurance.Through the characteristics of big data technology,it designs a model for insurance-based poverty alleviation based on big data.Finally,the specific application of the People's Insurance Company of China's medical insurance precision poverty alleviation as a case to demonstrate,summed up the effective results of the application of big data,put forward policy recommendations for the accurate poverty alleviation insurance,and thus for the government and insurance agencies in the development of precision poverty alleviation projects Put forward a feasible reference method to promote the deepening and development of precision poverty alleviation work in China...