摘要
近年来我国社会医疗保险制度的建设取得了长足的进展,社会医疗保险制度已在全国普遍建立,但是保障水平还有待提高。随着人口老龄化加剧,我国医疗保障缺口不断扩大,给国家财政造成沉重负担。本文运用复合系统协调度模型对我国商业医疗保险与社会医疗保险发展的协调度进行实证研究,结果表明,我国大部分省市处于商业医疗保险发展滞后状态。应该充分发挥商业医疗保险的补充作用,实现商业医疗保险与社会医疗保险的相互协作、共同发展,才能有效建立和完善我国多层次的国家医疗保障体系。
The construction of social medical insurance system in China has made great progress in recent years. The social medical insurance system has been established all over the country, but the social security level needs to be improved. As the aging of population intensifies, Chinag medical security gap has been widening, causing huge burdens to the fiscal system. In this paper,the coordination degrees between commercial medical insurance and so- cial medical insurance in our country were studied empirically. The results showed that commercial medical insur- ance was underdeveloped in majority provinces of China. The complementary role of the commercial medical insur- ance should be given full play in order to achieve effective cooperation between commercial medical insurance and social medical insurance and establish a multilevel medical security system.
出处
《保险研究》
CSSCI
北大核心
2013年第4期101-109,共9页
Insurance Studies
关键词
商业医疗保险
社会医疗保险
发展协调度
commercial medical insurance
social medical insurance
coordination degree
作者简介
[作者简介]郑荣鸣，经济学博士，厦门大学经济学院金融系教授，中国保险学会理事，全国保险专业学位研究生教育指导委员会委员；
华俊，厦门大学经济学院金融系硕士研究生。
