發(fā)布時(shí)間：2018-11-28 12:19

【摘要】：從“三期疊加”到“新常態(tài)”,再到“供給側(cè)”結(jié)構(gòu)性改革,我國(guó)經(jīng)濟(jì)政策正在隨著經(jīng)濟(jì)形勢(shì)的發(fā)展變化應(yīng)勢(shì)而動(dòng)。僅僅依靠貨幣政策刺激是不能夠徹底解決我國(guó)經(jīng)濟(jì)發(fā)展深層次問題,必須加大努力,下決心大力推進(jìn)經(jīng)濟(jì)結(jié)構(gòu)性改革,以便于供給體系更加符合需求結(jié)構(gòu)的變化。在供給側(cè)結(jié)構(gòu)性改革下,保險(xiǎn)業(yè)被列為供給側(cè)結(jié)構(gòu)性改革的重點(diǎn),創(chuàng)新是保險(xiǎn)發(fā)展的首要任務(wù)。隨著改革的不斷推進(jìn),商業(yè)健康險(xiǎn)的創(chuàng)新也在不斷繼續(xù),引領(lǐng)保險(xiǎn)業(yè)發(fā)展的大趨勢(shì),人民群眾對(duì)于創(chuàng)新的需求也在日益增強(qiáng)。商業(yè)健康險(xiǎn)在供給側(cè)結(jié)構(gòu)性改革下可以得到更好的發(fā)展,但商業(yè)健康險(xiǎn)在制度設(shè)計(jì)上要秉承五個(gè)原則,即簡(jiǎn)便、可及、激勵(lì)、透明、獨(dú)立。給予商業(yè)健康保險(xiǎn)適當(dāng)?shù)亩愂展膭?lì)和優(yōu)惠,要利用好深化改革的手段提供供給新動(dòng)能。保險(xiǎn)業(yè)供給側(cè)結(jié)構(gòu)性改革下,商業(yè)健康險(xiǎn)改革的關(guān)鍵在于進(jìn)行產(chǎn)品和服務(wù)創(chuàng)新,為了創(chuàng)造出更有市場(chǎng)、更低成本、更有競(jìng)爭(zhēng)力的產(chǎn)品,商業(yè)健康險(xiǎn)應(yīng)以自主創(chuàng)新為首,以新的思維、模式、技術(shù)開拓保險(xiǎn)產(chǎn)品的橫向創(chuàng)新,創(chuàng)新出具有市場(chǎng)吸引力、成本更低、強(qiáng)有競(jìng)爭(zhēng)力的產(chǎn)品。當(dāng)今時(shí)代,隨著保險(xiǎn)業(yè)供給側(cè)結(jié)構(gòu)性改革的推出,商業(yè)健康保險(xiǎn)表現(xiàn)出來的問題是產(chǎn)品創(chuàng)新上力度不夠以及給予客戶的保障力度跟不上。另外,保險(xiǎn)公司在保險(xiǎn)產(chǎn)品的風(fēng)險(xiǎn)控制上沒有實(shí)現(xiàn)很好的效果,客戶在購(gòu)買保險(xiǎn)產(chǎn)品后,沒有得到應(yīng)有的后續(xù)服務(wù)。所以,本文立足于我國(guó)供給側(cè)結(jié)構(gòu)性改革這個(gè)大背景下,充分研究了國(guó)外商業(yè)健康險(xiǎn)的創(chuàng)新并借鑒了其對(duì)我國(guó)有益的經(jīng)驗(yàn),分析出我國(guó)商業(yè)健康險(xiǎn)發(fā)展創(chuàng)新的方向。本文共分為緒論和正文兩部分,其中正文部分分為四個(gè)章節(jié)。在緒論部分,筆者闡述了論文選題的背景和意義、研究方法、主要內(nèi)容以及國(guó)內(nèi)外文獻(xiàn)綜述,總結(jié)了文章的創(chuàng)新之處與不足。正文的第一部分對(duì)供給側(cè)結(jié)構(gòu)性改革下我國(guó)商業(yè)健康險(xiǎn)創(chuàng)新面臨的機(jī)遇與挑戰(zhàn)進(jìn)行了介紹,第二部分列舉了目前我國(guó)商業(yè)健康險(xiǎn)存在的問題與原因,第三部分借鑒了國(guó)外商業(yè)健康險(xiǎn)的創(chuàng)新動(dòng)向,第四部分列舉了供給側(cè)結(jié)構(gòu)性改革下大病保險(xiǎn)、稅優(yōu)健康險(xiǎn)以及醫(yī)養(yǎng)結(jié)合的創(chuàng)新之處,并總結(jié)創(chuàng)新發(fā)展方向。
[Abstract]:From "three phases superposition" to "new normal", and then to "supply-side" structural reform, China's economic policy is changing with the development of the economic situation. Monetary policy alone can not completely solve the deep-seated problem of China's economic development. We must make greater efforts to vigorously promote the structural reform of the economy so as to make the supply system more in line with the changes in the structure of demand. Under supply-side structural reform, insurance industry is listed as the key point of supply-side structural reform. Innovation is the primary task of insurance development. With the continuous promotion of reform, the innovation of commercial health insurance is also continuing, leading the development of the insurance industry, the people's demand for innovation is also increasing day by day. Commercial health insurance can be better developed under supply-side structural reform, but commercial health insurance should follow five principles in system design, that is, simplicity, accessibility, incentive, transparency and independence. Give commercial health insurance appropriate tax incentives and incentives to use the means to deepen the reform to provide new momentum. Under the supply-side structural reform of the insurance industry, the key to the reform of commercial health insurance lies in the innovation of products and services. In order to create more marketable, lower-cost and more competitive products, commercial health insurance should be led by independent innovation. With new thinking, mode, technology to explore the horizontal innovation of insurance products, innovative products with market attractiveness, lower cost, strong competitiveness. Nowadays, with the introduction of supply-side structural reform of the insurance industry, the problem of commercial health insurance is that the innovation of products is not enough and the guarantee to customers is not enough. In addition, the insurance company in the insurance product risk control did not achieve a good effect, the customer in the purchase of insurance products, did not get due follow-up services. Therefore, based on the background of supply-side structural reform in China, this paper fully studies the innovation of foreign commercial health insurance, and draws lessons from its beneficial experience to our country, and analyzes the direction of development innovation of commercial health insurance in China. This paper is divided into two parts: introduction and text, in which the text is divided into four chapters. In the introduction part, the author expounds the background and significance, the research method, the main content and the domestic and foreign literature review, and summarizes the innovation and deficiency of the paper. The first part of the text introduces the opportunities and challenges of commercial health insurance innovation in China under the supply-side structural reform. The second part lists the existing problems and causes of commercial health insurance in China. The third part draws lessons from the innovation trend of foreign commercial health insurance. The fourth part lists the innovation of the serious illness insurance, the tax superior health insurance and the combination of medical and nursing under the supply-side structural reform, and summarizes the innovation development direction.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.6

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本文編號(hào)：2362800