供给侧结构性改革背景下我国商业健康险创新研究
发布时间：2018-11-28 12:19
【摘要】：从“三期叠加”到“新常态”,再到“供给侧”结构性改革,我国经济政策正在随着经济形势的发展变化应势而动。仅仅依靠货币政策刺激是不能够彻底解决我国经济发展深层次问题,必须加大努力,下决心大力推进经济结构性改革,以便于供给体系更加符合需求结构的变化。在供给侧结构性改革下,保险业被列为供给侧结构性改革的重点,创新是保险发展的首要任务。随着改革的不断推进,商业健康险的创新也在不断继续,引领保险业发展的大趋势,人民群众对于创新的需求也在日益增强。商业健康险在供给侧结构性改革下可以得到更好的发展,但商业健康险在制度设计上要秉承五个原则,即简便、可及、激励、透明、独立。给予商业健康保险适当的税收鼓励和优惠,要利用好深化改革的手段提供供给新动能。保险业供给侧结构性改革下,商业健康险改革的关键在于进行产品和服务创新,为了创造出更有市场、更低成本、更有竞争力的产品,商业健康险应以自主创新为首,以新的思维、模式、技术开拓保险产品的横向创新,创新出具有市场吸引力、成本更低、强有竞争力的产品。当今时代,随着保险业供给侧结构性改革的推出,商业健康保险表现出来的问题是产品创新上力度不够以及给予客户的保障力度跟不上。另外,保险公司在保险产品的风险控制上没有实现很好的效果,客户在购买保险产品后,没有得到应有的后续服务。所以,本文立足于我国供给侧结构性改革这个大背景下,充分研究了国外商业健康险的创新并借鉴了其对我国有益的经验,分析出我国商业健康险发展创新的方向。本文共分为绪论和正文两部分,其中正文部分分为四个章节。在绪论部分,笔者阐述了论文选题的背景和意义、研究方法、主要内容以及国内外文献综述,总结了文章的创新之处与不足。正文的第一部分对供给侧结构性改革下我国商业健康险创新面临的机遇与挑战进行了介绍,第二部分列举了目前我国商业健康险存在的问题与原因,第三部分借鉴了国外商业健康险的创新动向,第四部分列举了供给侧结构性改革下大病保险、税优健康险以及医养结合的创新之处,并总结创新发展方向。
[Abstract]:From "three phases superposition" to "new normal", and then to "supply-side" structural reform, China's economic policy is changing with the development of the economic situation. Monetary policy alone can not completely solve the deep-seated problem of China's economic development. We must make greater efforts to vigorously promote the structural reform of the economy so as to make the supply system more in line with the changes in the structure of demand. Under supply-side structural reform, insurance industry is listed as the key point of supply-side structural reform. Innovation is the primary task of insurance development. With the continuous promotion of reform, the innovation of commercial health insurance is also continuing, leading the development of the insurance industry, the people's demand for innovation is also increasing day by day. Commercial health insurance can be better developed under supply-side structural reform, but commercial health insurance should follow five principles in system design, that is, simplicity, accessibility, incentive, transparency and independence. Give commercial health insurance appropriate tax incentives and incentives to use the means to deepen the reform to provide new momentum. Under the supply-side structural reform of the insurance industry, the key to the reform of commercial health insurance lies in the innovation of products and services. In order to create more marketable, lower-cost and more competitive products, commercial health insurance should be led by independent innovation. With new thinking, mode, technology to explore the horizontal innovation of insurance products, innovative products with market attractiveness, lower cost, strong competitiveness. Nowadays, with the introduction of supply-side structural reform of the insurance industry, the problem of commercial health insurance is that the innovation of products is not enough and the guarantee to customers is not enough. In addition, the insurance company in the insurance product risk control did not achieve a good effect, the customer in the purchase of insurance products, did not get due follow-up services. Therefore, based on the background of supply-side structural reform in China, this paper fully studies the innovation of foreign commercial health insurance, and draws lessons from its beneficial experience to our country, and analyzes the direction of development innovation of commercial health insurance in China. This paper is divided into two parts: introduction and text, in which the text is divided into four chapters. In the introduction part, the author expounds the background and significance, the research method, the main content and the domestic and foreign literature review, and summarizes the innovation and deficiency of the paper. The first part of the text introduces the opportunities and challenges of commercial health insurance innovation in China under the supply-side structural reform. The second part lists the existing problems and causes of commercial health insurance in China. The third part draws lessons from the innovation trend of foreign commercial health insurance. The fourth part lists the innovation of the serious illness insurance, the tax superior health insurance and the combination of medical and nursing under the supply-side structural reform, and summarizes the innovation development direction.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6
[Abstract]:From "three phases superposition" to "new normal", and then to "supply-side" structural reform, China's economic policy is changing with the development of the economic situation. Monetary policy alone can not completely solve the deep-seated problem of China's economic development. We must make greater efforts to vigorously promote the structural reform of the economy so as to make the supply system more in line with the changes in the structure of demand. Under supply-side structural reform, insurance industry is listed as the key point of supply-side structural reform. Innovation is the primary task of insurance development. With the continuous promotion of reform, the innovation of commercial health insurance is also continuing, leading the development of the insurance industry, the people's demand for innovation is also increasing day by day. Commercial health insurance can be better developed under supply-side structural reform, but commercial health insurance should follow five principles in system design, that is, simplicity, accessibility, incentive, transparency and independence. Give commercial health insurance appropriate tax incentives and incentives to use the means to deepen the reform to provide new momentum. Under the supply-side structural reform of the insurance industry, the key to the reform of commercial health insurance lies in the innovation of products and services. In order to create more marketable, lower-cost and more competitive products, commercial health insurance should be led by independent innovation. With new thinking, mode, technology to explore the horizontal innovation of insurance products, innovative products with market attractiveness, lower cost, strong competitiveness. Nowadays, with the introduction of supply-side structural reform of the insurance industry, the problem of commercial health insurance is that the innovation of products is not enough and the guarantee to customers is not enough. In addition, the insurance company in the insurance product risk control did not achieve a good effect, the customer in the purchase of insurance products, did not get due follow-up services. Therefore, based on the background of supply-side structural reform in China, this paper fully studies the innovation of foreign commercial health insurance, and draws lessons from its beneficial experience to our country, and analyzes the direction of development innovation of commercial health insurance in China. This paper is divided into two parts: introduction and text, in which the text is divided into four chapters. In the introduction part, the author expounds the background and significance, the research method, the main content and the domestic and foreign literature review, and summarizes the innovation and deficiency of the paper. The first part of the text introduces the opportunities and challenges of commercial health insurance innovation in China under the supply-side structural reform. The second part lists the existing problems and causes of commercial health insurance in China. The third part draws lessons from the innovation trend of foreign commercial health insurance. The fourth part lists the innovation of the serious illness insurance, the tax superior health insurance and the combination of medical and nursing under the supply-side structural reform, and summarizes the innovation development direction.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6
【参考文献】
相关期刊论文 前10条
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