Abstract: The critical illness insurance program has been operating for a long time, however, there are still problems. This paper introduces the New Market Public Finance's logic paradigm based on discussions and critics on the Old Market Public Finance, and clearly defines the research tools and methods of the New Market Public Finance. It is thought that the usage of theoretical frame of the New Market Public Finance depends on transforming the contradiction of government and market to the game of them. And then it splits and discusses the specific questions by the research tools. So in general, this article analyses why the critical illness insurance program results in problems and then advances the measures to solve them.

Key words: Critical Illness Insurance, New Market Public Finance, Logic Paradigm

摘要： 大病保险制度推行日久,但很多问题依然存在。本文在对旧市场经济学的讨论和批判基础上引入了新市场财政学的逻辑范式,并明确界定了新市场财政学的研究工具与方法。认为新市场财政学的理论框架运用首先需要将政府与市场之间的“冲突”转化为两者之间的“博弈”,再通过研究工具进行具体问题的分析和讨论。为此,本文以我国大病保险制度为例,分析了我国大病保险制度存在问题的原因,并运用新市场财政学的分析框架研究应对措施,即通过公共选择机制确定政府与商业机构的利润盈亏分担比例,调整中位投票人的位置,并设计商业机构与政府社保经办机构的竞争机制。

关键词: 大病保险, 新市场财政学, 逻辑范式