近十年来,军人保险事业的发展暴露出有失公平与效率不佳两大问题,这源于军人保险相对独立的集权式管理模式。新的高效公平的管理模式必须在信息获得、制度决策以及制度运行方面具有良好的军地互通性。从现实角度出发,以建立互通性合作性工作程序为主的温和改革模式被接纳的可能性最大。 In the recent decade, the development of military insurance has revealed two major problems, namely, unfairness and inefficiency. This stems from the relatively independent centralized management mode of military insurance. The new efficient and fair management model must have good military interoperability in terms of access to information, institutional decision-making and system operation. From a realistic point of view, the moderate reform model that focuses on the establishment of interoperability and cooperative working procedures is most likely to be accepted.