The Credit Risk Management Of The Medical Service Institution In Integrating Medical Care With Aged Services

With the improved quality of the life and health,huge pension demand comes into being,which also brings the serious impact and challenges to the pension field.The policy of the integrating medical care with aged sevices provides a new approach to solve the supply-demand contradiction between the separated medical care and aged services.Xi Jinping has delvered the initiative in the report of the 19~thh National Congress of the Communist Party of China.As we respond proactively to population aging,we will adopt policies and foster a social environment in which senior citizens are respected,cared for,and live happily in their later years.We will provide integrated elderly care and medical services,and accelerate the development of old-aged programs and industries.However,with the the development of the experimental unit of the different areas of China,the credit risk of the medical service institution has gradually been revealed and paid high attention of the public.It's so important to governance the credit risk behaviors of the medical service institution in integrating medical care with aged services.Integrating medical care with aged services is a practice and exploration to realize reasonable resources distribution in social security.WHO has issued the guide of integrating medical care with aged services,which mentions that we will support the life care,medical care and mental care to the aged,in order to build a life-long aged services and health care system.It can satisfie the demand of realization of their intrinsic ability and give their medical care what they need in aging.There are three common integrated pattern,such as medical dominant,pension dominant and medical–pension cooperation.Based on the theory of Amatya Sen's capability approach and Wu's three-dimensional credit,it evaluates the credit risk behaviors of the medical services institution by integrity,compliance and performance dimensional,which can test the aged welfare level in integrating medical care with aged services.It studys some credit risk behaviors and impact and analyze the potential factors.Finally,concrete pertinence suggestions are given to governance the credit risk,which can support the medical-aged services policy implementation and can provide certain theory reference for strengthening the social security system and social credit system.At first,it makes a conclusion about the development problems of some exeriment provinces and cities,which is the background foundation.Using the theory of Amatya Sen's capability approach to study the significance of the integrating medical care with aged services to meet the interest of demand side of the medical-aged services.It described how the medical services institution infringe the legal right of the aged and their family members.And it discussed that the risk behaviors can reduce the pension welfare,which can threaten the operation safety of the medical insurance found and system fainess and justice.Secondly,it illustrates the concept of the credit,credit risk,principla-agent and Wu's three-dimensional credit,as well as,it hackles the research results and dynamic development of credit theory and any other credit management theory related.There are many risk behaviors in medical care institution,such as the mess service management,the aged induced excessive medical expense and the lack of professional doctors and nurses.By integrity,compliance and performance dimensional,it found that the lack of behavior intension and credit consciousness,as well as the lack of capability approach of the aged are main factors causing the medical service workers'credit risk.It also investigates the principal-agent relationship between medical services institution,endowment institution and the aged,which includs the credit risk of produce,develop and conclude process.Finally,it proposed relevant countermeasures and suggestions to solve the problems.Building multi-dimensional fund raising mechanism,advancing the universalization of the intelligenced medical achievement and promoting the sustainable development of the medical-care human resources can prevent the credit risk of the medical institution in integrating medical care with aged services and can inspire the credit awareness and honesty capability of the medical services workers.At last,individual integrity capability,social compliance and legal performance are three mental dimensional of the medical service credit system in integrating medical care with aged services.It can reduce the credit risk and the harm to the aged health welfare.With the improvement of the credit supervision in medical care,the aged health welfare can be promoted by integrating medical care with aged services.