完善我国医疗责任保险制度的路径研究  

A Study on How to Improve China's Medical Liability Insurance System

作　　者：邱兆祥[1] 罗满景[1] Qiu Zhaoxiang Luo Manjing(University of International Business and Economics, Beijing 100029)

机构地区：[1]对外经济贸易大学,北京100029

出　　处：《金融发展研究》2017年第10期37-43,共7页Journal Of Financial Development Research

摘　　要：当前,我国医疗责任保险保障范围不断扩大、产品种类与理赔机制不断创新,但投保主体、被保险人等的范围与标准仍有待明确、保险公司经营成本较高、当前运营机制对投保人的激励效果有限、保险公司经营管理机制有待完善、配套机制也尚不健全。为此,应从健全法律制度体系、提升保险公司管理能力、加大政府支持力度等方面,着力完善我国医疗责任保险制度。At present, China＇s medical liability insurance coverage continues to expand, product categories and compensation mechanismboast a continuous innovation. However, the scope and criteria for applicant and the insured still remain to be clearly defined. Besides, high operation cost of the insurance company, limited motivation that the current operating mechanism has leveraged to the insured, the imperfect management mechanism of the insurance com- pany and the unsound supporting mechanism all call for a resolution. Therefore, we should improve the system of med- ical liability insurance from the aspects of perfecting legal system, enhancing the management ability of insurance com- panies, strengthening the support from government and so on.

关 键 词：供给侧改革 责任保险 医疗纠纷 医疗责任保险 

分 类 号：F840[经济管理—保险]