商业健康保险的逆选择风险防控研究  

A Study on the Prevention and Control of Adverse Selection Risks in Commercial Health Insurance

作　　者：魏倩[1] 唐金成[1] WEI Qian;TANG Jincheng(School of Economics,Guangxi University,Nanning Guangxi 530004,China;不详)

机构地区：[1]广西大学经济学院,广西南宁530004

出　　处：《卫生经济研究》2022年第12期48-52,共5页

基　　金：广西高校人文社会科学重点研究基地“广西发展战略研究院”课题(2022GDSIQM05)。

摘　　要：当前,我国商业健康保险发展势头强劲,但风险防控问题愈发严峻,逆选择成为其发展的绊脚石。本文分析逆选择风险对我国商业健康保险发展的影响,在借鉴国际相关经验的基础上,基于保险科技赋能,从商业健康保险经营公司和政府部门两个层面提出逆选择风险防控的政策建议,以期助推商业健康保险高质量发展。Currently,commercial health insurance in China is developing strongly,but the problem of risk prevention and control is becoming more and more serious,and adverse selection has become a stumbling block to its development.This paper analyzed the impact of adverse selection risk on the development of commercial health insurance in China.On the basis of international experience,we proposed policy recommendations on the prevention and control of adverse selection risk from both commercial health insurance companies and government departments based on the empowerment of insurance technology,with a view to promoting the high-quality development of commercial health insurance.

关 键 词：商业健康保险 逆选择 风险防控 保险科技 

分 类 号：F840.684[经济管理—保险]