我国商业健康保险的专业化发展研究

发布时间：2018-04-27 03:24

本文选题：商业健康保险 + 专业化经营　；参考：《吉林大学》2013年硕士论文

【摘要】：商业健康保险是针对因健康原因导致的损失补偿保险金的保险。近年来，国民经济平稳较快地发展为商业健康保险的发展带来了前所未有的机遇与挑战。居民生活水平的不断提高使人们对健康更为注重，商业健康保险已成为我国人身保险业务中的第一位需求。2012年我国健康险保费收入862.76亿元，较2011年增长24.7%，是成长最快的险种。1 为引导整个健康保险行业快速健康发展，2003年，中国保监会出台了《关于加快健康险发展的指导意见》，提出健康保险专业化经营的理念。此后人保健康、平安健康、昆仑健康与和谐健康4家专业健康保险公司相继建立并投入运营。但是，十年来我国专业的健康保险公司的发展却严重滞后于整个健康保险行业的快速发展，2012专业健康保险公司的保费收入只占健康险总保费收入的9.77%2。在专业化特色化方面的优势未能充分展现,尚未发挥出应有的主力军作用。因此，面对日益增长的健康保险的需求，，我国健康保险专业化经营是否必要？它与兼业经营相比较优势何在？如何更好地实现专业化经营？这些问题成为我国保险理论界研究的热点和难点，它的解决不仅能推进我国健康保险业务的专业化水平,提高我国健康保险的竞争力，还能充分发挥出商业健康保险在社会保障体系中的重要作用。目前国内外对于我国商业健康保险专业化经营的研究文献极其有限，更没对我国商业健康保险专业化经营进行系统的研究。本文拟填补这一空白,首先从专业化经营的内涵入手，运用委托代理道德风险理论对商业健康保险专业化经营的必要性进行分析，接着考察了德国和美国健康保险专业化经营的成功经验和做法，最后，通过分析我国商业健康保险专业化经营中存在的问题，有针对从理念、经营、产品和技术四个方面提出对策建议。
[Abstract]:Commercial health insurance is the insurance against loss compensation for health reasons. In recent years, the steady and rapid development of national economy has brought unprecedented opportunities and challenges to the development of commercial health insurance. People pay more attention to health because of the continuous improvement of living standard. Commercial health insurance has become the first demand in the life insurance business of our country. In 2012, the premium income of health insurance in our country was 86.276 billion yuan, up 24. 7% compared with 2011, and it is the fastest growing type of insurance In order to guide the rapid and healthy development of the whole health insurance industry, in 2003, the CIRC issued the guidance on speeding up the development of health insurance, and put forward the idea of specialized management of health insurance. Since then, four professional health insurance companies have been established and put into operation. However, the development of professional health insurance companies in China has lagged behind the rapid development of the whole health insurance industry in the past ten years. In 2012, the premium income of professional health insurance companies accounted for only 9.772 percent of the total premium income of health insurance. The advantage of specialization has not been fully displayed and has not yet played its due role. Therefore, in the face of the increasing demand for health insurance, is it necessary for the specialized management of health insurance in China? What is its comparative advantage with concurrent business? How to better realize the specialized management? These problems have become the hot and difficult points in the field of insurance theory in our country. Their solution can not only promote the specialization of health insurance business in our country, but also improve the competitiveness of health insurance in our country. It can also give full play to the important role of commercial health insurance in the social security system. At present, the domestic and foreign research literature on specialized management of commercial health insurance in China is extremely limited, and there is no systematic research on specialized management of commercial health insurance in China. This paper intends to fill in this gap. Firstly, this paper analyzes the necessity of specialized management of commercial health insurance by using the theory of principal-agent moral hazard, starting with the connotation of specialized management. Then it examines the successful experiences and practices of specialized management of health insurance in Germany and the United States. Finally, by analyzing the problems existing in the specialized management of commercial health insurance in China, there are some problems in view of the concept and operation. Four aspects of product and technology put forward countermeasures and suggestions.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.684

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