本科论文摘要商业健康保险作为健康管理与风险防控机制的重要组成部分，具有政府所无法替代的社会保障功能，对于处于发展中国家前列的中国来说，商业健康保险市场的发展既有机遇，也有挑战。国外的健康保险理论实践研究起步早，内容较丰富，但我国的相关研究发展缓慢，相关政策不够完善，理论指导实践的力度不够。因此，本文采用现状剖析、总结归纳的思路进行研究论证。首先通过学习进一步明确了商业健康保险的概念和主要内容，对商业健康保险市场的发展形成了系统性的认识，随后针对我国商业健康保险发展存在的问题和影响因素进行了现状分析，最后针对我国经济发展进程的实际情况提出相关微观层面以及国家宏观管理层面商业健康保险发展的几点建议。以期为我国商业健康保险市场的发展提供一些切实可行的建议。关键词：商业健康保险，SW0T分析，健康管理本科论文AbstractCommercial health insurance has a social security function that cannot bereplaced by the government as an integral part of health care and risk prevention andcontrol mechanisms.For China,at the forefront of developing countries,thedevelopment of the commercial health insurance market has both opportunities andchallenges.Although research on theory and practice of health insurance abroadstarted early and is rich in content,the development of related research in China islagging behind,the relevant policies are not perfect,and theory is not strong enoughto guide practice.Therefore,in this article,we will employ state-of-the-art analysisand summary induction to conduct research and demonstration.First,the conceptsand key content of commercial health insurance were further clarified throughlearning,forming a systematic understanding of the development of the commercialhealth insurance market.Then,it analyzes the current situation of the problems andinfluencing factors in the development of China's commercial health insurance,andfinally puts forward some suggestions on the development of commercial healthinsurance at the micro level and the national macro management level according tothe actual situation of China's economic development process.In order to providesome practical suggestions for the development of China's commercial healthinsurance market.Key words:Business health insurance,SWOT analysis,,health management本科论文目录IAbstract....21.1商业健康保险的定义及其作用意义21.1.2商业健康保险的作用意义..1.2商业健康保险及其市场的发展历程1.2.1国外商业健康保险市场发展1.2.2国内商业健康保险市场发展2商业健康保险的发展现状.·52.1商业健康保险发展的SW0T分析..52.l.1优势(Strength)2.1.2劣势(Weakness)..583我国商业健康保险面临的问题及原因...103.1我国商业健康保险所面临的问题..10103.12商业健康险的受众度较低.…103.1.3商业健康险保费收入较低..·113.1.4商业健康保险赔付率占比极低11123.2.1健康保险的设计和定价复杂，制约因素诸多.·1212124供给侧改革背景下商业健康保险市场的发展途径14144.1.1加强商业健康保险服务的创新优化…1442推进医疗安全体系建设.…144.2.1规范主管保险机构办理重大健康保险，鼓励专业保险人参与保险144.2.2.完善职业健康保险机构与医疗卫生机构的合作联动机制.·144.3改进管理和服务…15154.3.2积极拓展优质服务市场，完善医疗保险..··15154.4.1加强组织领导和部门协调，投资商业医疗服务行业1644.2完善财税支持政策.…164.4.3加强医保广告宣传，营造良好的社会氛围...16