论引入商业保险机制改善居民医疗保险管理

On the Management of Improving the Medical Security of Residents with the Mechanism of Commercial Insurance

商业保险是最具市场机制代表性的保险运作方式,拥有众多公共管理所不具备的优势,其中最大的一点就在于资金和运营的高效率。本文以提高我国医疗体系公共投入效率为出发点,探讨引入商业保险管理机制对于改善居民医疗保障的意义。以独特的资金流的视角分析我国目前医保体系中存在的问题以及影响公共资金投入效率的因素,并就此论述引入商业保险机制所带来的效率提升。

Commercial insurance is the most representative way of the insurance mechanism.It has many advantages not available in public management：the biggest one is the efficiency on funds operating.The article aiming at increasing the efficiency of public investment in our health care system,explores a management mechanism of the introduction of commercial health insurance for residents and the significance of improving.The author uses a unique perspective of cash flow analysis on the problems and affects in current Medicare system,finding out the factors that cause the problem,and the efficiencies increased by the introduction of commercial insurance.