商业健康保险的专业化监管及政府职责  

Commercial Health Insurance Needs Professional Supervision and Governmental Responsibility

作　　者：任泽华[1] 

机构地区：[1]西南财经大学保险学院,四川成都610074

出　　处：《上海金融学院学报》2007年第4期51-57,共7页Journal of Shanhai Finance University

摘　　要：商业健康保险需要专业化经营已成各界共识,而实现专业化经营需要的一个条件就是专业化监管。文章着重分析了商业健康保险监管中的监管主体、监管领域和相应的指标。由于商业健康保险涉及太多的相关利益主体,为了实现健康保险的专业化监管,必须构建相应的机构来实现统一监管,协调各方利益。为了促进商业健康保险的快速发展,政府具有义不容辞的职责和不可替代的作用。The commercial health insurance needs professional management, which has become common view in all walks of life. Yet realizing professional management needs professional supervision.The article has emphatically analyzed supervisory subject, supervisory realm and relevant index in commercial health insurance. Owing to commercial health insurance involves many related subjects＇ interests and in order to realize the professional supervision, we must establish the corresponding organization to realize uniform supervision and coordinate every side＇s interests. In order to promote the commercial health insurance to develop rapidly, the government should take obligatory responsibility and make an irreplaceable effect.

关 键 词：专业化监管 监管领域 监管架构 政府职责 

分 类 号：F842.0[经济管理—保险]