我国商业健康保险发展的问题与对策
毕业论文关键词：商业健康保险 团体健康保险 健康管理 专业化经营
The Problems and Countermeasures of the Development of Commercial Health Insurance in China
Abstract：Insurance in China has a history of more than 200 years, since the 1980s began to recovery and development, followed by a commercial health insurance business scale is also expanding. Since 2001, China's commercial health insurance premium income has been from 6.152 billion yuan up to 158.718 billion yuan in 2014, fully expanded 25.80 times, growth is amazing. But it was introduced to our time is short, so the unavoidable is its development is still in its primary stage. At the same time, non-standard competition, extensive management, weak professional factors such as the block to the development of China's commercial health insurance, so that the current domestic commercial health insurance market in development speed, scale and quality, and many other aspects there are still some lags behind that of developed countries. Therefore, the analysis of the development of commercial health insurance of our country in recent years, summarizes the development process of the problem, and contact the development experience of other countries, put forward scientific and useful countermeasures and Suggestions, is a very important theory value and practical significance.
Key Words：Commercial health insurance, Social medical insurance, Health management, Professional management
目 录
一、绪论 1
（一）研究背景与意义 1
（二）文献综述 1
二、我国商业健康保险发展的现状 2
（一）业务规模及经营主体不断增加 2
（二）国民意识不足导致普及率低 4
（三）国民对商业健康保险需求增加 4
（四）发展空间巨大 4
三、我国商业健康保险发展的问题 5
(一) 商业健康保险市场存在的问题 5
（二）商业健康保险中数据、险种、经营模式的问题 7
（三）消费者风险态度压抑着需求 8
（四）赔付率较高且具有不确定性 9
（五）逆向选择和道德风险问题 10
（优尔）保险公司专业化水平不高 10
四、其他国家发展的特点及对我国的启示 11
（一）澳大利亚商业健康保险：政府扶持和法律体系建设 11
（二）德国商业健康保险：专业化经营和多层次产品 11
（三）美国商业健康保险：管理式医疗和健康管理模式 12
（四）对我国的启示 12
五、我国商业健康保险发展的对策 14
（一）专业化经营 14
上一篇：农村劳动力转移问题研究+文献综述
下一篇：新形势下我国外汇储备规模的探讨