公共服务外包的新思索——以医疗商业保险和社会保险合作为例

New Thoughts on Public Service Outsourcing:Examples of cooperation between commercial and social medical insurance

从公共服务外包的视角出发,运用德霍克外包的3种模式理论,对荷兰和湛江医疗保险外包实践的运行机制、主体参与互动性进行对比分析,发现两者分别为竞争模式和谈判模式,而路径依赖性是导致两者选择差异化的主要因素。财政负担是商业保险与社会保险合作的动因,而外包只是合作途径之一。推广外包式商保与社保合作要注意提升承包商间的竞争程度,加强监督,防范风险。

From the perspective of public service outsourcing,an analysis of comparing the cooperation between commercial and social insurance in the Netherlands and Zhanjiang is conducted.The comparison is carried out from aspects of operating mechanism and participator interactivity by using DeHoog’s Three Outsourcing Modes Theory.The Dutch mode is a representative of the competition mode,while Zhanjiang has characteristics of the negotiation mode,and path dependency is the reason for different.The huge financial pressure is the motivation for cooperation between commercial and social insurance,while outsourcing is just one way to cooperate.To promote the cooperation between commercial and social insurance in the way of outsourcing,the government should pay more attention on increasing the degree of competition among contractors,strengthening supervision,and preventing moral hazards in the operation process.