新型农村合作医疗自实施三年以来,在一定程度上减轻了农民“因病致贫、因病返贫”的压力。但是,新型农村合作医疗体制在改革的过程中,存在着普遍的道德风险与逆向选择问题,本文就此进行分析,并提出规避措施与政策建议。 Since the implementation of the new type of rural cooperative medical care for three years, it has, to a certain extent, reduced the pressure on farmers to “get poor due to illness and return to poverty due to illness”. However, in the reform process of the new rural cooperative medical system, there is a general moral hazard and adverse selection problems. This article analyzes this and proposes evasive measures and policy recommendations.