张琰+葛建一+葛国曙

    [摘要] 医疗服务是一项高风险行业，医疗过程中往往存在不可预估且危害重大的医疗风险。目前国内分担医疗风险的方式主要有医疗责任保险制度、医疗风险互助基金制度和医疗意外险三种，全国各地区开展实践探索也取得了一些成效，目前国内分担医疗风险分担机制，包括医疗责任保险制度、医疗风险互助基金制度和医疗意外险等在运行过程中存在诸多问题：相关法律制度不健全、保险市场发育不成熟、医患风险管理积极性差。在社会治理现代化视阈下构建医疗风险分担体系，必须协同政府、社会、市场多方作用，遵循“政府引导、双轨并行、社会共济、行业规范”的模式，实现医疗风险的社会共担。

    [关键词] 医疗风险；风险分担；医疗责任保险；医疗风险互助基金；医疗意外险

    [中图分类号] R197.323.4 [文献标识码] A [文章编号] 1673-7210(2016)10(c)-0122-05

    [Abstract] As a high-risk industry， medical service always has unpredictable and severe medical risks during its process. Currently， the ways to bear medical risks mainly include medical liability insurance system， medical risk mutual fund system and medical accident insurance. Some results have been achieved in the practical exploration in various places of China， but the above mentioned medical risk bearing mechanisms in China have many problems： imperfect law system， immature insurance market， and poor initiative in the doctor-patient risk management. To construct the medical risk bearing system under the perspective of social governance modernization， the roles of government， society and market shall be coordinated ......