中国卫生经济
中國衛生經濟
중국위생경제
CHINESE HEALTH ECONOMICS
2014年
4期
43-45
,共3页
新型农村合作医疗%大病保险%博弈论%模型
新型農村閤作醫療%大病保險%博弈論%模型
신형농촌합작의료%대병보험%박혁론%모형
new rural cooperative medical system%critical illness insurance%game theory%model
目的：发展新型农村合作医疗大病保险对于各地主管部门而言属于新型的运作模式，需要为决策提供量化的依据，辅助事前的决策。方法：通过分析政府、商业保险公司的决策过程和行为，建立两者的效用最大化函数，借助Stackelberg诱导对策模型理论求解确定函数中各参数间的关系。结果与结论：发展新型农村合作医疗大病保险过程中，政府可以结合当地情况，通过各参数之间的关系设定合理的政策措施，引导大病保险健康发展。
目的：髮展新型農村閤作醫療大病保險對于各地主管部門而言屬于新型的運作模式，需要為決策提供量化的依據，輔助事前的決策。方法：通過分析政府、商業保險公司的決策過程和行為，建立兩者的效用最大化函數，藉助Stackelberg誘導對策模型理論求解確定函數中各參數間的關繫。結果與結論：髮展新型農村閤作醫療大病保險過程中，政府可以結閤噹地情況，通過各參數之間的關繫設定閤理的政策措施，引導大病保險健康髮展。
목적：발전신형농촌합작의료대병보험대우각지주관부문이언속우신형적운작모식，수요위결책제공양화적의거，보조사전적결책。방법：통과분석정부、상업보험공사적결책과정화행위，건립량자적효용최대화함수，차조Stackelberg유도대책모형이론구해학정함수중각삼수간적관계。결과여결론：발전신형농촌합작의료대병보험과정중，정부가이결합당지정황，통과각삼수지간적관계설정합리적정책조시，인도대병보험건강발전。
Objective: Developing New Rural Cooperative Medical System ( NCMS ) critical illness insurance is a relatively new operation mode for the government, which needs to provide quantify references for policy designers to help the predict decision. Methods: Through the analysis of decision process and behavior of the government and the commercial companies , the utility maximization functions for both the government and the commercial companies are set up based on the game theory. The Stackelberg model theory is then applied to figure out the relationship among different parameters in the utility maximization functions. Results and Conclusion: In the process of critical illness insurance under NCMS, the government should combine the local situation, to design reasonable polices based on the relationship among different parameters , so as to lead the NCMS critical illness insurance develop in a healthy way.
