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职工论文：我国城镇职工医疗保险持续发展对策研究
【中文摘要】自从国务院1998年发布《关于建立城镇职工基本医疗保险制度的决定》以来,我国城镇职工医疗保险制度建设取得了很大进展,城镇职工参保人群不断增多,保险覆盖面不断扩大,逐步形成包括城镇职工医疗保险、城镇居民基本医疗保险、新型农村合作医疗制度和城乡医疗救助制度在内的医疗保障体系。但是,目前的医疗保障水平无法抵消迅速增长的医疗费用,我国医疗保险实现持续性发展需要解决的问题依然很多:一方面,作为发展中国家,我国目前已进入老龄化社会,这给医疗保险持续性发展带来了巨大的压力;另一方面,医疗费用长期刚性攀升,特别是由于信息不对称,医疗卫生供给方具有绝对的信息优势,由此产生的供给诱导需求以及需求方对医药资源的过度依赖使医疗费用控制成为我国医疗保险持续性运行的主要难题。本文共分为五个部分:第一部分介绍了我国城镇职工医疗保险国内外研究现状、、目标及意义;第二部分主要概述了我国城镇职工医疗保险持续性发展涵义,并从城镇职工医疗保险持续发展可行性分析、城镇职工医疗保险内容和医疗保险的起源与发展等方面进行了深入阐释,既是对城镇职工医疗保险持续性发展涵义的补充和完善,也为下文进行深入论述打下了基础;第三部分对我国城镇职工医疗保险改革历程和现状进行了详细论述的基础上,分析了城镇职工医疗保险存在的问题;第四部分介绍了国外医疗保险持续发展运行模式及对我国城镇职工医疗保险制度建设的启示;第五部分针对我国城镇职工医
疗保险存在问题,提出了我国城镇职工医疗保险实现持续性发展的对策建议。本文提出充足的医疗保险基金是我国城镇职工医疗保险实现持续性发展的根本保证,要重视并做好医疗保险基金的投资运营,还阐述了私立医疗机构在医疗保险体制发展过程中的作用,政府应加大力度扶持私立医疗机构的发展。
【英文摘要】Since 1998 when the state council iued The Decision on Establishing the Basic Medical Insurance System for Urban Employees, our medical insurance system for urban workers made great progre in the construction.The urban workers insured are constantly increasing, and insurance coverage continues expanding, which develop medical insurance system gradually including medical insurance for urban workers and residents, new types of rural cooperative medical care system and medical aistance system for urban and rural.However, the present health care standards cannot offset the rapid growth in the medical costs, so there are a lot of problems required to solve in sustainable development for our medical insurance: on the one hand, as a developing country, the aging society tendency brought about heavy preure on sustainable
development for medical insurance;on the other hand, stiff climb of medical expenses, especially because of information asymmetry which the medical care supply-side has absolute
information superiority, brought about supplier-induced
demand and demand-side over-dependency on medical resources, which makes containment of medical cost become main problem for our medical insurance sustainable development.The article is divided into five parts: The first part briefs domestic and foreign research situation, the research background, the goal and the significance of medical insurance for urban employees of China;The second part mainly outlines implication of
continuous development for medical insurance urban employees of China, and has carried on the thorough explanation from sustained development feasibility analysis for medical
insurance urban employees of China, medical insurance aspects and medical insurance’s origin and development,which is
supplement and consummation to medical insurance development implication, also carries on the thorough elaboration as
follows to build the foundation;The third part has detailed medical insurance reform course and the present situation for urban employees of China, and analyzes the existence question of urban employees of China;The fourth part introduces the overseas medical insurance sustained development pattern and enlightenment to medical insurance construction for urban employees of China;The fifth part has proposed suggestions to
the long-enduring development for urban employees of ChinaThis article proposes that the sufficient medical insurance fund is basic guarantee for our country medical insurance
long-enduring development, so we must pay attention to the medical insurance fund investment operation, and the article also proposes the private Medical system function, the
government should increase dynamics support private Medical establishment’s development.【关键词】职工 医疗保险 持续性 对策建议
【英文关键词】StaffMedical insurance
PersistenceCountermeasure and advices 【备注】索购全文在线加好友：139938848.....同时提供论文写作一对一指导和论文发表委托服务
【目录】我国城镇职工医疗保险持续发展对策研究
4-5
究现状7英文摘要
5一、引言7-9中文摘要
（一）国内外研
二、我国
（二）研究背景、目标及意义7-9
城镇职工医疗保险持续性发展概述9-13
医疗保险持续性发展涵义9-10
持续性发展可行性分析10-11
内容11-1
2（一）我国城镇职工
（二）我国城镇职工医疗保险
（三）我国城镇职工医疗保险
三、（一）
（四）医疗保险的起源与发展12-1313-17我国城镇职工医疗保险改革历程、现状及存在问题
我国城镇职工医疗保险改革历程13-14
医疗保险现状及存在问题14-17
运行模式及对我国的启示17-23
行模式17-18
（二）我国城镇职工
四、国外医疗保险持续性发展
（一）世界各国医疗保险运
（二）国外一些国家医疗保险做法18-20
（三）国外医疗保险运行经验对我国医疗保险制度建设的启示
20-23
23-29
五、我国城镇职工医疗保险实现持续性发展的对策建议
（一）做好资金筹集和管理，完善基金投资运营，实
（二）完善财政分权和转移支付制度，确
（三）加强法制建设现收支平衡23-24定政府责任，重点是增投入、建机制24
24-25
（四）深化公立医疗机构改革，维护公益性，提高医
（五）发挥商业保险和补充医疗保险对
（六）推动相关配套改
结论29-30参考文献疗服务质量和效率城镇职工医疗保险的补充作用25-26革，提高管理水平和效率26-29
30-32后记32
