公共性、效率性与盈利性——论新型农村合作医疗管理主体创新

Research on the Innovation of Manager in the New Rural Cooperative Medical System

盈利性的商业保险为公共性的新农合提供管理服务是社会保障效率性原则的要求,体现了社会保障私有化向医疗保险领域的延伸。而且,根据Markowitz的E-V(均值-方差)模型,保险公司参与新农合表面看来是"赔本赚吆喝",实际上优化了投资组合,提高了获利机会,是理性的投资决策。

This paper deals with the research on the innovation of manager in the New Rural Cooperative Medical System. The paper explains the contradictions of commercial insurance company＇s profitability and social insurance＇s public nature, as well as the explanations on commercial insurance company＇s participation without benefit, based on the theories of public management, insurance, investment,etc. It is assumed that commercial insurance company＇s offering of management service in the New Rural Cooperative Medical System has the same motivations as the privatization of social security pension reform internationally： the pursuit of efficiency. Meanwhile, the analysis on Markowitz＇ s E-- V （Expectation- Variance） model indicates that the involvement of commercial insurance company in the New Rural Cooperative Medical System can optimize its portfolio, enhance its chance for earning profit. It is rational decision--making for commercial insurance company to participate in the New Rural Cooperative Medical System.