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

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。

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

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 country, 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...