委托代理、不规则信息与农村医保数字治理成效

Principal-Agent Relationship,Irregular Information,and the Effectiveness of Digital Governance in Rural Health Insurance

本文通过W镇居民医保线上缴纳的案例研究,探讨了数字技术在农村医保治理中的应用效果及其对委托代理关系中信息不对称问题的影响。研究发现,尽管数字技术使得上级政府能获取更多居民信息,理论上应减少信息不对称,但在实践中,因技术局限和不规则信息的存在,数字技术并未解决信息不对称问题。如村民个人意愿、特殊情况等不规则信息难以被数字平台捕捉,导致基层干部仍需进行大量实地摸排工作。W镇通过结合线上数据与线下摸排,实现了较高的医保参保率,证明了不规则信息对于提高政策执行适应性和有效性的重要价值。基于此,数字治理应重视信息的多元化和复杂性,促进技术与实际治理需求融合,避免落入“技术万能”的误区。

This study examines the application of digital technology in rural governance and its impact on the information asymmetry problem within the principal-agent relationship through a case study of online medical insurance payments in Town W.The findings reveal that although digital technology has enabled higher-level governments to access more resident information,theoretically reducing information asymmetry,in practice,owing to technological limitations and irregular information,digital technology has not resolved the issue of information asymmetry.Irregular information,such as individual preferences and the particular circumstances of villagers,is difficult to capture using digital platforms,leading to the necessity for grassroots officials to conduct extensive on-site investigations.By integrating online data with offline investigations,Town W achieved a high medical insurance participation rate,demonstrating the significance of irregular information in enhancing the adaptability and effectiveness of policy implementation.This study suggests that digital governance should pay attention to the diversity and complexity of information,promote the integration of technology with practical governance needs,and avoid the fallacy of“technology omnipotence.”