中国创新型保险理论发展研究文献综述

在全球经济一体化的时代浪潮和激烈的市场竞争环境下,我国政府提倡发展创新型产品。因此创新型保险产品成了保险业成长的新潮流,并为保险业注入了一股新的动力。近年来理论与实务界对此进行了深切的切磋并取得了丰富的功效。本文对我国保险创新理论的文献举行体系总结的基础上,扼要评析今朝的整体研究近况,并指出当前亟待进行深入钻研的问题。

Literature review of the basic medical insurance of urban and rural integration

To set up the nation＇s covering medical insurance syslem and to the realization of the basic medical insurance of urban and rural integration, is the inevitable trend in the development of China＇s medical insurance reform, as well as it is also a key step. In recent years, the state promulgated a series of policies in promoting urban and rural medical insurance and many cities took the lead to reform form the medical insurance pattern with local characteristics. All of these are helpful for our country to realize the integration and providing valuable experience. The target of the article is to maintain the public cause of medical and health, to solve the problem of high cost of urban and rural residents to see a doctor. As well as to realize the objections of disease pro^ection, convenience, cure spends less.

二十年来西方保险理论的演变及其倾向

近二十年来,西方保险理论研究有了长足的发展,认真分析和梳理其演进的特征和理论倾向,对于我国保险理论研究和保险业发展都具有重要的指导价值。使用修正的统计模型对1997~2016年间美国经济评论等五种主要经济期刊收录的318篇保险类文献和风险与保险杂志(Journal of Risk and Insurance)收录的810篇文献进行分析,结果显示:20多年来保险类论文在经济期刊全部论文中的比例呈现上升趋势,2012~2016年的经济类论文总数相比于1997~2001年增加了24%,而保险类论文的数量增幅达到148%。以美国为代表的西方保险理论的研究领域和内容不断在深度和广度拓展;保险理论研究团队的规模、水平逐步提高,研究范式越来越规范;同时西方保险理论的演进及其倾向与保险业发展、结构调整和监管政策的变化保持高度的一致性。从未来保险理论演进的趋势看,健康保险研究领域有可能成为重要的研究方向和热点。