CAJ | 학술논문

公共产品供给理论与公共服务外包理论是城乡居民大病保险制度下政府与保险公司密切合作、合理分工、良性互动的理论基础。城乡居民大病保险一年来的改革试点表明，政、保合作不仅有其合理性，更有其必要性。全国各地的实践充分证明，政、保合作不仅发挥了各自的优势，形成了优势互补、风险共担的合作机制，更主要的是它大大提高了城乡居民大病保险的运作效率、服务水平和整体质量，为政府、保险公司、医院与参保群众最终实现多方共赢局面创造了良好条件。
공공산품공급이론여공공복무외포이론시성향거민대병보험제도하정부여보험공사밀절합작、합리분공、량성호동적이론기출。성향거민대병보험일년래적개혁시점표명，정、보합작불부유기합이성，경유기필요성。전국각지적실천충분증명，정、보합작불부발휘료각자적우세，형성료우세호보、풍험공담적합작궤제，경주요적시타대대제고료성향거민대병보험적운작효솔、복무수평화정체질량，위정부、보험공사、의원여삼보군음최종실현다방공영국면창조료량호조건。
The theory of the supply of public goods and the theory of the outsourcing of public service are the basic theory of the govern-ment and insurance company with close cooperation, rational division of labor, the benign interaction.Under the serious illness insur-ance system of urban and rural residents one year's trial, it indicates that the cooperation of the government and insurance company not only has its rationality, also have their necessity.Practice throughout the country fully proved that, the cooperation of the government and insurance company not only have their respective advantages, formation of the cooperation mechanism of complementary advanta-ges, risk sharing, the more important thing is that it can greatly improve the efficiency,service level and the overall quality of the seri-ous illness insurance system of urban and rural residents, which creating good conditions for the government, insurance companies, hospitals and the insured people finally realize win-win situation.