Research on Typical Modes and Application Path of Government Introducing Commercial Insurance to Participate in Social Governance
With the socio-economic development of China,the pressure on the government to govern as a single entity has never been greater.It has become a trend for the government to invite multiple entities,including commercial insurers,to participate in social governance.However,at present,commercial insurers'participation in social governance is quite limited and the theoretical research on this topic is still at a primary stage.This paper explores on the two modes of cooperation between governments and in-surance enterprises,namely the expense subsidization mode and service procurement mode,in the respects of their major charac-teristics,applicable insurance fields and the four routes of application.The findings are as follows:firstly,it is necessary for gov-emment to subsidize commercial insurers on certain areas for their better playing their role in social governance;secondly,expense subsidization mode can be applied to the areas with large damages but small probability such as food and drug safety liability in-surance and safe production and environmental pollution liability insurance,and the service procurement mode can be applied to the areas with small damages but large probability such as social pension and healthcare insurance,long term care insurance,etc.;thirdly,we should offer targeted subsidization policies on different insurance plans.
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