论商业保险基础风险原理对建立基本医疗保障制度的适用价值  

On the practical value of fundamental commercial insurance risk management principles to establishment of the basic social medical care system

作　　者：翁小丹[1] 

机构地区：[1]上海对外贸易学院,上海201620

出　　处：《保险研究》2009年第10期27-31,共5页Insurance Studies

基　　金：教育部人文社会科学立项(07JA840010);上海市教委重点学科建设项目(编号J51201)研究成果之一

摘　　要：2009年新医改重大举措不断,它对于我国相对薄弱的医疗保障体系无疑是必需和及时的。本文从理论上初步论述了商业保险基础风险原理对完善建立我国全民基本医疗保障制度的适用价值。通过总结国际医疗保障制度改革及其研究的趋势,论证以医疗保险的基础风险为依据,是实现社会医疗保险预期绩效的基本保证。同时指出定性定量分析我国全民医保的基础风险,才能从根本上找到完善建立相关制度的措施和方法,促进我国医疗保障体系的进一步科学发展。Major health care reform measures were launched in quick succession in 2009, which is necessary and timely to overhaul the weakened medical care system in our country. However, how can China, a developing coun- try, bear the big burden of a national universal medical care system？ How can we synchronize the development of various components of the present social security system and create a virtuous circle？ This article discussed the practical value of the basic risk management principles drawn from commercial insurance for establishing the new u- niversal medical care system. Based on the study on the reform experiences and developing trends of foreign medi- cal care systems, the paper concluded that properly addressing fundamental risks of medical insurance was the basic guarantee for achieving expected results of the social medical care system. The paper also pointed out that measure- ments on fundamental risk should be both qualitative and quantitative, which was helpful for locating appropriate measures and methods for continuous enhancement of the system, and promoting further development of the basic medical care system in a scientific way.

关 键 词：基础风险 全民基本医疗保险 科学发展 

分 类 号：F840.684[经济管理—保险]