摘要:农村基本医疗保险是解决“三农”问题的重要步骤，对于实现农村居民的保障权利，促进农村社会的建设和发展，推动国民经济持续健康发展具有重要的现实意义。建立和完善农村医疗保险制度，不仅可以提高农村居民的健康水平，而且可以缩小城乡差距。但是，目前农村医疗保险的保障水平普遍偏低。本文通过详细分析农村医疗保险的含义，阐述农村医疗保险的意义，明确我国农村医疗保险现状，阐明农村医疗保险的特征、农村医疗保险存在的问题，提出了一系列的解决途径，包括加大对乡镇卫生医疗机构的资金投入，提高乡村医疗水平，大力普及各项卫生保健知识，进一步完善农村合作医疗制度，完善“扶小”机制，营造良好的农村金融创新外部环境，规避“扶小”的风险，让小农户“不差钱”落到实处。

关键词：农村医疗保险； 农民；医疗保险制度

Abstract:Basic medical insurance in rural areas is an important step to solve the "three rural" issue  ,and it is also of great practical significance to achieve the protection of the rights of rural residents, promote construction and development of rural society, and promote sustained and healthy development of general nations economy. To establish and improve the rural medical insurance system can not only improve the health of rural residents, but also shorten the gap between urban and rural. However, the current level of rural medical insurance is generally low. Through detailed analysis of the meaning of rural health insurance,  explanation of the significance of rural health insurance, health insurance status of rural explicitly, the characteristics of rural health insurance,and the existence of the problems of rural health insurance , this paper proposes a series of solutions, including increasing the capital investment to rural health and medical institutions, improving rural health care level, intensifying access to the health care knowledge , further improving the rural cooperative medical care system, improving the "little help" mechanism, creating a good external environment for financial innovation in rural areas, avoiding the risk of "helping the small" , so that small farmers will not be lack of money.

Key Words : medical insurance in rural areas, residents, rural medical insurance system

我国农村医疗水平的提高,既寄希望于新型农村医疗制度的建立和推广, 也寄希望于国家对整个国民的一视同仁。建立惠及全体农民的新型农村医疗保险体系在我国目前情况下不仅仅是迫切需要的，而且国家是有能力支付的。