Research On The Control Of Basic Medical Insurance Expense In Cities And Towns

with the rapid development of China’s economy in recent years,China’s social medical insurance industry has developed rapidly,but with them is the rapid rise of the cost of social medical insurance in China,It has seriously hindered the healthy development of the social medical insurance and challenged the sustainability and stability of the social medical insurance system in China.The rise of the expenses of social medical insurance in our country is affected by many factors,including natural factors,subjective factors and institutional factors.First of all,it is necessary to straighten out the factors which influence the rise of the social medical insurance expenses,which are objective and irreversible factors,and which factors can be overcome and improved.Starting from the unreasonable expenses in social medical insurance from the perspective of policy analysis and combined with the increasingly advanced information technology means for the rational use of health resources,control unreasonable rising costs of medical insurance has very important practical significance.Based on the theory of supply and demand and stakeholder theory,this paper analyzes the relationship among the stakeholders in the medical insurance market,understand the interests of each main body.Combined with the classic case of foreign medical insurance expenses control and the latest practices,then bringing the concept of information technology like "Internet plus" into the area of medical insurance expense control.And propose the suggestions on rationalization of social medical insurance expense control.The structure of this paper is as follow:The introduction is the first portion.This part briefly describes the research background and the significance of this study,reviews the medical insurance expense control related research both here and abroad.and the concept of several subjects of this study were defined,then explains the research methods,innovation and inadequacies.The second part is the definition of the relevant theory and analysis of the status quo.This part introduces the classic supply and demand theory,the theory of stakeholder and the theory of asymmetric information,at the end of this part,the author analysed the current situation and influencing factors of medical insurance expense control in china.The third part is about the game strategy analysis of each main body,point out the idea that the medical insurance expense control should start from each main body;Then a the paper briefly introduce the history of China’s medical and health informatization,put forward that "Internet plus" can be introduced to control the expense of medical insurance.The fourth part is the research on the control on medical insurance expense in foreign country.This part mainly analyzes the experience of medical insurance expenses control in three countries,including Canada,the United States and japan.Each section contains the country’s classic cost control measures and the latest policy trends.The last part is the measures of the rationalization of social medical insurance expense control,based on the current situation of the national conditions and the reform of the medical and health system,the author puts forward some suggestions on the rationalization of the control of the social medical insurance,including the thought of control the expense of medical insurance in "internet plus" way.