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美国是一个保险业十分发达的国家,但随着人口的老龄化及医疗费用的升高,老年人家庭及末期疾病患者的经济负担十分沉重。为此,美国于上世纪80年代开始办理保单贴现业务,以帮助上述人员缓解沉重的经济负担。该项业务在2000年之后快速发展,并且已开始向国外市场扩张。本文将探讨美国保单贴现业务的运作状况。随着我国服务行业市场的开放和人们保险意识的加强,美国的这一做法值得我国借鉴,它也给我国的金融业与保险业未来的发展带来有益的启示。
The United States is a very developed country in the insurance industry. But as the population ages and health care costs rise, the financial burden on the elderly and in the end-stage diseases is very heavy. To this end, the United States started the policy discount business in the 1980s to help these people ease the heavy financial burden. The business grew rapidly after 2000 and has begun to expand into foreign markets. This article will explore the operation of the U.S. policy on discounted bills. With the opening up of China’s service industry market and the increasing awareness of people’s insurance, the United States should learn from this practice and bring enlightenment to the future development of China’s financial industry and insurance industry.