The author analyzes the feasibility of individual fund-pooling of CMS through economic cooperation organizations of farmers from the aspects of financial feasibility,emotional acceptance of farmers and farmers participation, management and monitoring of financing.

Government managing farmer s capital of the new CMS is the chief mechanism of individual financing of CMS at present.

For answer thequestions how to implement the market and individual financing mechanism?How about the ability and willingness of financing of the residents?91 residents from Center China University Xiangya hospital (Hu nan Province)and Fudan University Zhongshan hospital (Shanghai)were investigated via questionnaire.

Accumulating deposit is a way of individual premium collection in new rural CMS created in Ganyu County, Jiangsu province, which means farmers pay advance premiums voluntarily for the next year when they get their medical compensations.

Only when farmers desires are taken into full consideration can individual premium collection be carried out successfully.

The paper has introduced the mechanism and superiorities of insurance agencies,and tries to illustrate the feasibility of using the mechanism of insurance agencies in personal financing of NCMS,and has proposed and evaluated the mechanism and implemented steps of developing personal financing through establishing financing agents in NCMS.