我国医疗责任保险制度建设研究  

Research on the Construction of Medical Liability Insurance System in China

作　　者：张瑞纲[1] 余想 Zhang Ruigang;Yu Xiang

机构地区：[1]广西大学商学院,广西南宁530004

出　　处：《西南金融》2019年第5期80-88,共9页Southwest Finance

基　　金：国家自然科学基金项目"董事责任保险;企业特征与企业风险行为"(项目批准号:71863002)成果;教育部人文社科青年基金项目"基于行为实验的责任保险主体合作行为研究"(项目批准号:14YJC790170)成果

摘　　要：本文旨在通过全面研究我国医疗责任保险发展现状,分析其在当前形势下面临的问题,从而探索出创新发展新思路。首先阐述了我国现行医疗责任保险制度的相关理念,包括其特点、立法进程及发展状况;其次研究了当前医疗责任保险制度存在的不足之处;第三总结了欧美等发达国家发展医疗责任保险的成功经验;最后在上述分析的基础上提出了可行建议,包括实行行政命令与立法保障相结合、针对诊所特设险种、各级医院实施相对应的分级费率、建立健全医疗纠纷调解机构等。This paper aims to explore the current situation of China's medical liability insurance, analyze its problems in the current situation, and explore new ideas for innovation and development. Firstly, this paper mainly expounds the relevant concepts of China's current medical liability insurance system, including its characteristics, legislative process and development status. Secondly, it studies the shortcomings of the current medical liability in. surance system. Thirdly, it summarizes the successful experience of developing medical liability insurance in devel. oped countries such as Europe and America. Finally, this paper puts forward feasible suggestions based on the above analysis, including the combination of administrative orders and legislative guarantees, special designed insurance for clinics, the implementation of the corresponding grading rates at all levels of hospitals, and the establishment of sound medical dispute mediation agencies, etc.

关 键 词：医疗责任保险 医疗责任 医疗事故 医疗风险 医疗纠纷 风险转移 风险分担 保险费率 医疗纠纷调解 医疗制度改革 

分 类 号：F842.6[经济管理—保险]