中文摘要
“三農(nóng)”問題始終是關系國家發(fā)展、穩(wěn)定的一項重要議題，“沒有農(nóng)業(yè)的發(fā)展.就沒有國家的發(fā)展，沒有農(nóng)村的穩(wěn)定就沒有國家的穩(wěn)定”。農(nóng)村醫(yī)療保障制度一直.是社會保障體系中的重要組成部分，對于農(nóng)村的穩(wěn)定和持續(xù)發(fā)展尤其具有重要的現(xiàn).實意義和長遠意義。建立和完善農(nóng)村醫(yī)療保險制度，不僅可以實現(xiàn)農(nóng)民生存和就醫(yī).的平等權(quán)利，而且可以改善農(nóng)民衛(wèi)生條件，提高衛(wèi)生服務效率，提高農(nóng)村生活質(zhì)量、.推動農(nóng)村經(jīng)濟和人力資源的持續(xù)發(fā)展。然而，現(xiàn)行的農(nóng)村醫(yī)療保險制度還很不健全，還存在著一些問題.對農(nóng)村醫(yī)療保險制度的問題的研究是必須的和迫切的。
本文除緒論外，主要分五個部分進行闡述:
第一部分，首先來界定我國農(nóng)村醫(yī)療保險的性質(zhì)，一方面農(nóng)村醫(yī).療保險同時具有社會醫(yī)療保障和社會保險的性質(zhì);另一方面從農(nóng)村醫(yī)療保險制度具.有公共產(chǎn)品的性質(zhì)闡述，體現(xiàn)在五個特征上:非競爭性、非排他性、外在經(jīng)濟性、.公共消費的效益性以及功能的不可分割性。其次介紹了農(nóng)村醫(yī)療保險的特征，主要.包括三大特征:一是突出了以大病統(tǒng)籌為主;二是以農(nóng)民自愿參加為原則;三是建.立了農(nóng)村醫(yī)療救助制度。再次從四個不同的角度闡述了農(nóng)村醫(yī)療保險的形式。之后提出了建立農(nóng)村醫(yī)療保險立法的必要性，主要從四個方面進行闡述，一是明確農(nóng)村.醫(yī)療保險法律地位的需要;二是保障農(nóng)村醫(yī)療保險關系各方權(quán)利義務實現(xiàn)的需要;.三是規(guī)范農(nóng)村醫(yī)療保險資金的籌集、管理和使用;四是規(guī)范政府行為，合理利用醫(yī).療資源的需要。最后提出醫(yī)療保險的對象及形式。
第二部分，主要是對我國農(nóng)村醫(yī)療保險制度的實證分析。首先對我國農(nóng)村醫(yī).療保險制度的歷史現(xiàn)狀進行全面、細致的介紹，具體分為四個時期的發(fā)展歷程:農(nóng).村合作醫(yī)療制度的出現(xiàn)、農(nóng)村合作醫(yī)療制度的普及、農(nóng)村合作醫(yī)療制度的衰退、新.時期農(nóng)村醫(yī)療保險制度的建立。從而認識到我國農(nóng)村醫(yī)療保險有一定程度的恢復與.發(fā)展，但進展較為緩慢，還有很多艱巨的問題需要解決。接著本部分分析了我國農(nóng).村醫(yī)療保險制度存在的主要問題，有三個方面的障礙:認識上的障礙、資金上的障.礙以及法律上的障礙。最后指出了我國農(nóng)村醫(yī)療保險制度缺失的四大原因:第一，.農(nóng)村經(jīng)濟發(fā)展水平因素制約;第二，政府缺乏對農(nóng)村醫(yī)療保險制度實施的監(jiān)管力度;.第三，政府農(nóng)村衛(wèi)生政策缺失;第四，醫(yī)療體制缺陷。
第三部分，在以上兩大部分的基礎上，對國內(nèi)外醫(yī)療保險制度的經(jīng)驗介紹分析。從兩方面介紹，首先提出我國農(nóng)村醫(yī)療保險制度的歷史及現(xiàn)狀。然后提出國外的醫(yī)療保險模式，制度的比較及對我國的啟示。
第四部分，提出xx縣農(nóng)村醫(yī)療保險制度的現(xiàn)狀及存在的問題。首先解讀農(nóng)村醫(yī)療保險制度，分別從農(nóng)村醫(yī)療制度的特點：農(nóng)村醫(yī)療保險的籌資模式、合作形式、支付模式、運作模式及保障形式方面進行介紹。其次，提出xx縣推行的農(nóng)村醫(yī)療保險制度的效果及局限性進行分析。最后，從xx縣農(nóng)村醫(yī)療保險的意見分析。
第五部分，從完善農(nóng)村醫(yī)療保險制度的途徑方面進行分析，首先是完善農(nóng)村醫(yī)療保險制度的原則，其次是完善農(nóng)村醫(yī)療保險制度的框架，最后從完善農(nóng)村醫(yī)療保險制度的配套改革方面進行分析。

關鍵詞:農(nóng)村醫(yī)療保險;合作醫(yī)療;醫(yī)療保障
Abstract

Chinese abstract "three agricultures " problem is concern the country developing , stable important one topic for discussion all the time ", does not have development of agriculture. Do not have development of the country right away , do not have the rural area stability not having country's stability right away". Rural area medical security system all the time. Important component in being social security system, has important cash to rural area stability and sustained development especially. Reality significance and long-term significance. Build and perfect rural area medical insurance system, not only being able to realize a peasant existing and going to a doctor. Equal rights, and can improve peasant hygiene condition , improve hygiene serving efficiency, improve rural area quality of life. Drive rural economy and the human resources sustained development. Rural area medical insurance system currently in effect is fairly extremely not perfect but, is having a few problem. The go into to rural area medical insurance system problem is necessary and urgent. Besides the main body of a book is commented on except the beginning, mainly, mark of five parts go along expounds: Come the boundary to book our country rural area medical insurance character , rural area to cure on one hand Part I , the primo. Cure the character being sure having society medical security and social insurance at the same time; From rural area medical insurance, system has on the other hand. Character having common product expounding , embody in five characteristics: Be not competitiveness , be not exclusiveness , external economy. Common the beneficial result consuming and functional forbidden division. The characteristic having introduced rural area medical insurance's secondly, is main. Include three big characteristics: Have been outstanding first giving first place to health insurance covering major cases of illness; Two is to take that the peasant participates in voluntarily as principle; Three be build. Have set up rural area medical treatment succour system. The angle once again different from four has set forth rural area medical insurance form. Have brought forward building-up rural area medical insurance legislation necessity afterwards , have expounded mainly from four aspect go along, one being to make rural area clear. Medical insurance legal status need; Two is to ensure rural area medical insuran..