农民工基本医疗保险关系转移接续中三方利益博弈分析——基于政府、企业与农民工的视角

摘要 基于博弈理论，从基本医疗保险保费缴纳的主体(政府、企业和农民工)利益最大化的角度出发，对农民工基本医疗保险关系转移接续过程中转出地政府与转入地政府、转入地政府与企业、企业与农民工之间的利益关系进行博弈分析。研究发现:基本医疗保险制度设计和管理问题成为农民工基本医疗保险关系转移接续中各方利益冲突的一个主要因素，其中地方政府之间的利益博弈是导致农民工基本医疗保险关系转移接续困难的一个重要原因。因此，应通过提高基本医疗保险统筹层次，理顺地方政府间利益关系，加强对企业的监管，提高农民工的保险意识，鼓励商业保险机构经办基本医疗保险，逐步实现农民工基本医疗保险关系的顺畅转接。
Abstract：Based on the game theory， the relationship between the government， enterprises and migrant workers was analyzed from the main body of basic medical insurance premium paid by the three parties to maximize the interests. The research showed that the design and management issues of basic medical insurance system become a major factor that affects the interests of the three parties in migrant workers' basic medical insurance transfer and continuation. Furthermore， the interest game among the local governments is one of the most important reasons for the difficulty of migrant workers' basic medical insurance transfer. The findings suggested that the basic medical insurance level should be improved， the interest relationship among the local governments should be streamlined， the supervision of enterprises should be strengthened， the insurance awareness of migrant workers should be raised， the insurers should be persuaded into basic medical insurance so as to gradually achieve the smooth relationship transfer of migrant workers' basic medical insurance.