摘要新型农村合作医疗保险（简称“新农合”）从2003年起在全国部分县（市）试点，到2010年逐步实现基本覆盖全国农村居民。随着新农合在全国范围的发展，其存在的问题也日益突显。因此，我国一直以来为新农合的发展探索新的发展道路，其中商业保险机构参与新农合的开展是一种创新的举措。商业保险公司从我国新农合推广之初就已积极参与其中，到现在全国范围内已有多个地方试点，并为新农合的发展取得一定突破。45429
本文一共有四个部分。第一，介绍商业保险参与新农合的现状，以及对商业保险参与新农合进行必要性分析；第二，介绍现有的商业保险参与新农合的主要模式，包括：委托管理模式、保险合同模式和混合模式；第三，分别从差异性和优缺点两个方面对商业保险参与新农合的模式进行对比分析；第四，为商业保险参与经办新农合的持续顺利发展，提供对策建议。
毕业论文关键词：商业保险机构； 新型农村合作医疗保险； 委托管理模式； 保险合同模式； 混合模式
Abstract
The new rural cooperative medical care (hereinafter referred to as "the new rural cooperative medical system") from 2003 launch a pilot project in the part of the county (city), in 2010 to gradually realize the basic national coverage of rural residents. With the new rural cooperative medical system in the national scope of development, the existing problems are also increasingly prominent. Therefore, our country has been since the new rural cooperative medical system development to explore a new development path, the development of commercial insurance agencies to participate in the new rural cooperative medical system is a kind of innovative initiatives. Business insurance company in the promotion of the new rural cooperative medical system has been actively involved in the beginning, until now has been a nationwide multi local pilot, and achieved some breakthrough for the development of new rural cooperative medical system.
This paper has four parts. First, introduces the current situation of commercial insurance to participate in the new rural cooperative medical system, as well as to the commercial insurance to participate in the new rural cooperative medical necessity analysis; Second, introduce the main mode, the existing commercial insurance to participate in the new rural cooperative include: a management mode, the insurance contract mode and mixed mode; Third, respectively from two aspects the differences and advantages and disadvantages of the commercial insurance to participate in the new rural cooperative medical system model for comparative analysis; Fourth, as the commercial insurance to participate in the new rural cooperative medical system of handling continuous and smooth development, offer countermeasure proposal.
Key words： Commercial insurance institutions；The new rural cooperative medical care；The entrusted management mode；Insurance contract mode；Mixed mode
目 录
摘 要 I
Abstract II
一、商业保险参与新农合的现状及必要性分析 1
（一）商业保险参与新农合的现状 1
（二）商业保险参与新农合的必要性分析 2
二、商业保险参与新农合的主要模式 3
（一）委托管理模式 3
（二）保险合同模式 4
（三）混合模式 4
三、商业保险参与新农合的模式对比分析 5
（一）各种模式的优缺点对比 5
（二）各种模式的差异性对比 7
四、商业保险参与新农合的对策建议 9
（一）政府应对商业保险参与新农合的对策建议 9 商业保险参与新型农村合作医疗的模式研究:http://www.youerw.com/guanli/lunwen_46849.html