论商业保险参与医养结合的比较优势、特殊价值与实现机制  

On the Comparative Advantages,Special Value and Implementation Mechanisms of Commercial Insurance in IntegratedMedical and Elderly Care

作　　者：申曙光[1] 孙静瑶 梁上聪 SHEN Shu-guang;SUN Jing-yao;LIANG Shang-cong(Lingnan College,Sun Yat-sen University,Guangzhou 510275,China;School of Finance,Southwestern University of Finance and Economics,Chengdu 611130,China)

机构地区：[1]中山大学岭南学院,广东广州510275 [2]西南财经大学金融学院,四川成都611130

出　　处：《西北大学学报(哲学社会科学版)》2025年第3期99-107,共9页Journal of Northwest University:Philosophy and Social Sciences Edition

基　　金：国家社会科学基金重大项目“预防为主的大健康格局与健康中国建设研究”(17ZDA080)。

摘　　要：老龄化时代,医养结合既是推动老龄事业发展的关键举措,也是激活银发经济新动能的重要突破口。当前,责任主体协同困难、服务供需错配、支付保障能力薄弱及专业人才短缺等困境造成医养结合高质量发展掣肘。而商业保险机构凭借其长期资本优势、资源整合能力、风险管理专长与高度的业务关联性,成为突破发展瓶颈的关键市场主体。商业保险机构的深度参与,既能通过资金端融通、服务端创新与消费端保障三维路径赋能医养结合发展,又能助力自身主业转型升级、业务边界拓展及社会价值提升,实现双向增益。本文建议通过“投资参与型”“服务合作型”“产品提供型”三大机制,实现商业保险比较优势向医养服务供给效能转化,推动形成多层次、高质量、可持续的医养结合新生态。In the aging era,the integration of medical and elderly care serves not only as a key initiative to promote the development of undertakings for the aged but also as a crucial breakthrough to stimulate new momentum for the silver economy.Current challenges,such as difficulties in coordinating responsible entities,a mismatch between service supply and demand,inadequate payment security capacity,and shortages of professional personnel,pose constraints on the high-quality development of integrated medical and elderly care.Commercial insurance institutions,leveraging their long-term capital advantages,resource integration capabilities,risk management expertise,and strong business relevance,have emerged as pivotal market players to overcome these bottlenecks.The deep involvement of commercial insurance institutions can empower the development of integrated medical and elderly care through a three-pronged approach encompassing capital financing,service innovation,and consumption security,while simultaneously driving the transformation and upgrading of their core businesses,expanding operational boundaries,and enhancing social value,thereby achieving synergistic dual benefits.This paper proposes three mechanisms,“investment participation,”“service cooperation,”and“product provision”,to translate the comparative advantages of commercial insurance into improved supply efficiency of medical and elderly care services,fostering a multi-level,high-quality,and sustainable ecosystem for integrated medical and elderly care.

关 键 词：医养结合 商业保险 银发经济 老龄化 养老金融 

分 类 号：D669.6[政治法律—政治学] F842[政治法律—中外政治制度]