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为了促进新型农村合作医疗(新农合)的可持续发展,本文从内部风险、外部风险和医疗价格上涨的角度,分析了新农合基金在实际的操作过程中所面临的风险。研究发现,新农合基金的外部风险包括人口老龄化和高龄化、疾病谱的改变、农村居民医疗服务需求的释放等。基金的内部风险则包括筹资风险、道德风险和政策风险、信息化程度有限等。并据此从新农合立法、新农合基金信息化管理、完善筹资机制和加强农村居民宣传教育等方面提出控制新农合基金风险的措施。
In order to promote the sustainable development of new rural cooperative medical system (NCMS), this paper analyzes the risks faced by NCMS funds in the actual operation process from the perspectives of internal risk, external risk and medical price increase. The study found that the external risks of NRCMS include population aging and aging, changes in disease spectrum, and the release of rural residents’ medical service needs. Fund’s internal risks include financing risk, moral hazard and policy risk, limited degree of information. Based on this, measures are put forward to control the risks of the new rural cooperative medical fund from the aspects of the new agricultural cooperative law, the information management of the new rural cooperative fund, the improvement of the financing mechanism and the publicity and education for rural residents.