摘要
使用中国银行保险监督管理委员会网站、2012 2018年《中国保险年鉴》、各地区社会经济发展统计公报等公开数据分析我国健康保险业的发展现状,发现近年来我国健康保险市场不断发展,具体表现为保费增速快、保费增速领先其他人身险品种、对人身险保费增速的贡献提高;同时,市场主体日益多元、寡头垄断风险减弱、地区差异明显。北京地区健康保险市场发展经验表明在健康保险市场的发展过程中,政策引导、经济发展水平、消费意识、产业竞争和产业链结构缺一不可。
Using the public data in official website of the Banking Insurance Regulatory Commission, China Insurance Yearbook of 2012-2018 and the Statistical Bulletins of social and economic development of various regions to analyze the current situation of the development of China's health insurance industry. It was found that in recent years, China's health insurance market has been developing continuously, which was manifested in the rapid growth of premiums, the growth of premiums ahead of other life insurance varieties, and the contribution to the growth of life insurance premiums. Meanwhile, the market participants were increasingly diversified, oligopoly risk was weakened and regional differences was obvious. The development experience of Beijing health insurance market showed that policy guidance, economic development level, consumption awareness, industrial competition and industrial chain structure were indispensable in the development process of health insurance market.
作者
山娜
SHAN Na(Chinalife Insurance (Group) Company, Beijing, 100033, China)
出处
《中国卫生经济》
北大核心
2019年第7期26-29,共4页
Chinese Health Economics
关键词
健康保险
健康保险市场
人身险
保险公司
综述
health insurance
health insurance market
life insurance
insurance company
review
