CAJ | 학술논문

农村医疗保险制度对于改善民生，促进民族地区的和谐稳定起着有力的保障作用。但是当前我国民族地区农村医疗保险制度存在以下突出问题：特殊的自然条件和社会环境，导致较高的就医成本和风险；受传统文化和保健风险意识的影响，农村居民参合积极性不高；经费投入不足，医疗卫生资源和服务供给能力短缺；农村医疗保险保障水平低，运行监督不规范；民族地区农村居民的语言障碍造成了就医困难。文章针对这些问题提出了七个方面的对策。
농촌의료보험제도대우개선민생，촉진민족지구적화해은정기착유력적보장작용。단시당전아국민족지구농촌의료보험제도존재이하돌출문제：특수적자연조건화사회배경，도치교고적취의성본화풍험；수전통문화화보건풍험의식적영향，농촌거민삼합적겁성불고；경비투입불족，의료위생자원화복무공급능력단결；농촌의료보험보장수평저，운행감독불규범；민족지구농촌거민적어언장애조성료취의곤난。문장침대저사문제제출료칠개방면적대책。
The rural medical insurance system plays a guarantee role in improving people’s livelihood and promoting the harmonious stability in ethnic minority inhabited areas. Analyzing the prominent problems with the system, this paper finds that the special natural and social environment lead to a higher medicare costs and risks; the rural residents are not active in participating in the system due to the influence of traditional cultures and healthcare awareness; the investment is low; the medicare resources and service supply capacity are in shortage; the operation supervision is not properly regulated; and difficulties in accessing medicare arises due to language barriers. This paper analyses the present situation and problems of rural medical insurance system in these areas in China, and puts forward relevant measures to be taken.