当今,国际金融市场日趋活跃,中国国民经济也实现了平稳较快地增长,这为我国商业医疗保险的发展奠定了较好的基础。与此同时,商业医疗保险对改善人民生活起到了不可小觑的作用。然而,由于其自身的特性、专业化经营水平不高等因素,我国商业医疗保险在运行过程中存在着诸多的制约与障碍。 Today, the international financial markets are becoming increasingly active, and the national economy of China has witnessed steady and rapid growth, laying a good foundation for the development of commercial medical insurance in our country. In the meantime, commercial medical insurance has played a significant role in improving people’s lives. However, due to its own characteristics, professional management is not high and other factors, there are many constraints and obstacles in the operation of commercial medical insurance in our country.