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当前我国道路交通事故社会救助基金运作普遍存在资金大量闲置、申请困难、救助作用未能充分发挥等问题。而江苏省采用政府购买保险公司服务的方式管理救助基金日常事务,取得了低成本、高效率、应救尽救、应追尽追的良好成效,成为全国少见的救助基金管理成功范例。本文基于江苏省救助基金管理经验,从制度缺陷和管理模式选择的角度,剖析了我国道路交通社会救助基金运行问题的深层次原因,分析了政府服务外包型基金管理模式的价值和复制条件,并从推动立法、出台救助基金社会化管理政策、建立与基金利用率相挂钩的保费提取比例浮动筹资制度、提升保险公司服务能力、开展社会宣传等方面提出了完善我国道路交通事故社会救助基金管理制度的政策建议。
At present, the social rescue fund for road traffic accidents in our country generally runs into a lot of problems, such as a large amount of idle funds, difficulties in applying for assistance and failing to give full play to rescue efforts. However, Jiangsu Province managed the daily affairs of the relief fund by means of the government’s purchase of insurance company services and achieved the good results of low cost and high efficiency, which should be rescued and exhausted. It has become a rare example of the successful rescue fund management in China. Based on the management experience of relief fund in Jiangsu Province, this paper analyzes the deep reason of the operation problem of China’s road traffic social assistance fund from the perspective of system defects and management mode selection, and analyzes the value and replication conditions of the government service outsourcing fund management mode. From the aspects of promoting legislation, introducing the socialized management policy of relief funds, setting up the floating financing system of the proportion of premium extraction linked with the utilization rate of funds, improving the service ability of insurance companies and carrying out social propaganda, the paper puts forward some suggestions to improve the management system of social assistance funds for road traffic accidents in our country Policy recommendations.