{"id":"https://openalex.org/W7225154107","doi":"https://doi.org/10.70267/fer.v3n6.3341","title":"Constructing a Diversified Medical Insurance Financing System from the Perspective of Health Industry Transformation","display_name":"Constructing a Diversified Medical Insurance Financing System from the Perspective of Health Industry Transformation","publication_year":2026,"publication_date":"2026-11-04","ids":{"openalex":"https://openalex.org/W7225154107","doi":"https://doi.org/10.70267/fer.v3n6.3341"},"language":"en","primary_location":{"id":"doi:10.70267/fer.v3n6.3341","doi":"https://doi.org/10.70267/fer.v3n6.3341","is_oa":true,"landing_page_url":"https://doi.org/10.70267/fer.v3n6.3341","pdf_url":"https://journals.zeuspress.org/index.php/FER/article/download/1725/1642","source":{"id":"https://openalex.org/S4404674800","display_name":"Financial economics research.","issn_l":"3006-3655","issn":["3006-3655","3006-3663"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Financial Economics Research","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://journals.zeuspress.org/index.php/FER/article/download/1725/1642","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5028775190","display_name":"\u949f\u658c","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210149618","display_name":"Guangdong University of Finance","ror":"https://ror.org/04grzdh47","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210149618"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Bin Zhong","raw_affiliation_strings":["School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520","institution_ids":["https://openalex.org/I4210149618"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5160536657","display_name":"Nianjiao Peng","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210149618","display_name":"Guangdong University of Finance","ror":"https://ror.org/04grzdh47","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210149618"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Nianjiao Peng","raw_affiliation_strings":["School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520","institution_ids":["https://openalex.org/I4210149618"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5160525043","display_name":"Xinlun Cai","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210149618","display_name":"Guangdong University of Finance","ror":"https://ror.org/04grzdh47","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210149618"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Xinlun Cai","raw_affiliation_strings":["School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520","institution_ids":["https://openalex.org/I4210149618"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5160411866","display_name":"Ziyun Lin","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210149618","display_name":"Guangdong University of Finance","ror":"https://ror.org/04grzdh47","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210149618"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Ziyun Lin","raw_affiliation_strings":["School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520","institution_ids":["https://openalex.org/I4210149618"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5160452914","display_name":"Zishan Rong","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210149618","display_name":"Guangdong University of Finance","ror":"https://ror.org/04grzdh47","country_code":"CN","type":"education","lineage":["https://openalex.org/I4210149618"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zishan Rong","raw_affiliation_strings":["School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of International Education, Guangdong University of Finance, Guangzhou City, Guangdong, China, 510520","institution_ids":["https://openalex.org/I4210149618"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210149618"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.87787025,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"3","issue":"6","first_page":"33","last_page":"41"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11531","display_name":"Healthcare Systems and Reforms","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11531","display_name":"Healthcare Systems and Reforms","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10391","display_name":"Healthcare Policy and Management","score":0.00430000014603138,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14186","display_name":"Healthcare Systems and Practices","score":0.0015999999595806003,"subfield":{"id":"https://openalex.org/subfields/3600","display_name":"General Health Professions"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/health-system-transformation","display_name":"health system transformation","score":0.8090000152587891},{"id":"https://openalex.org/keywords/risk-pooling","display_name":"risk pooling","score":0.8659999966621399},{"id":"https://openalex.org/keywords/value-based-health-care","display_name":"value-based care","score":0.9139999747276306},{"id":"https://openalex.org/keywords/digital-health-integration","display_name":"digital health integration","score":0.9279999732971191},{"id":"https://openalex.org/keywords/preventive-care","display_name":"preventive medicine","score":0.7940000295639038},{"id":"https://openalex.org/keywords/personalized-medicine","display_name":"personalized medicine","score":0.9120000004768372},{"id":"https://openalex.org/keywords/fiscal-sustainability","display_name":"fiscal sustainability","score":0.9110000133514404},{"id":"https://openalex.org/keywords/health-governance","display_name":"health governance","score":0.5009999871253967},{"id":"https://openalex.org/keywords/intertemporal-resource-allocation","display_name":"intertemporal resource allocation","score":0.8069999814033508},{"id":"https://openalex.org/keywords/health-equity","display_name":"health equity","score":0.5640000104904175},{"id":"https://openalex.org/keywords/stakeholder-alignment","display_name":"stakeholder alignment","score":0.6480000019073486}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6604999899864197},{"id":"https://openalex.org/C180916674","wikidata":"https://www.wikidata.org/wiki/Q3711935","display_name":"Diversification (marketing strategy)","level":2,"score":0.6054999828338623},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5328999757766724},{"id":"https://openalex.org/C12713177","wikidata":"https://www.wikidata.org/wiki/Q1900281","display_name":"Perspective (graphical)","level":2,"score":0.4381999969482422},{"id":"https://openalex.org/C2983635472","wikidata":"https://www.wikidata.org/wiki/Q334911","display_name":"Health insurance","level":3,"score":0.42969998717308044},{"id":"https://openalex.org/C166970017","wikidata":"https://www.wikidata.org/wiki/Q476118","display_name":"Reinsurance","level":2,"score":0.40959998965263367},{"id":"https://openalex.org/C201305675","wikidata":"https://www.wikidata.org/wiki/Q852998","display_name":"Stakeholder","level":2,"score":0.38449999690055847},{"id":"https://openalex.org/C21333345","wikidata":"https://www.wikidata.org/wiki/Q1519843","display_name":"Health technology","level":3,"score":0.3720000088214874},{"id":"https://openalex.org/C2986740045","wikidata":"https://www.wikidata.org/wiki/Q31207","display_name":"Health services","level":3,"score":0.35830000042915344},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.3440999984741211},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.33489999175071716},{"id":"https://openalex.org/C160735492","wikidata":"https://www.wikidata.org/wiki/Q31207","display_name":"Health care","level":2,"score":0.3343999981880188},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.32899999618530273},{"id":"https://openalex.org/C47344431","wikidata":"https://www.wikidata.org/wiki/Q1519812","display_name":"Health policy","level":3,"score":0.32710000872612},{"id":"https://openalex.org/C206345919","wikidata":"https://www.wikidata.org/wiki/Q20380951","display_name":"Resource (disambiguation)","level":2,"score":0.3199000060558319},{"id":"https://openalex.org/C101615574","wikidata":"https://www.wikidata.org/wiki/Q17055997","display_name":"Income protection insurance","level":4,"score":0.30059999227523804},{"id":"https://openalex.org/C172195485","wikidata":"https://www.wikidata.org/wiki/Q4443488","display_name":"Business interruption insurance","level":5,"score":0.2980000078678131},{"id":"https://openalex.org/C147077947","wikidata":"https://www.wikidata.org/wiki/Q1515895","display_name":"Socioeconomic status","level":3,"score":0.28349998593330383},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.2793999910354614},{"id":"https://openalex.org/C78491826","wikidata":"https://www.wikidata.org/wiki/Q3045352","display_name":"Social determinants of health","level":3,"score":0.2768000066280365},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.2752000093460083},{"id":"https://openalex.org/C2780690664","wikidata":"https://www.wikidata.org/wiki/Q19602103","display_name":"Economic transformation","level":2,"score":0.2669999897480011},{"id":"https://openalex.org/C96535974","wikidata":"https://www.wikidata.org/wiki/Q1351914","display_name":"Risk pool","level":4,"score":0.2517000138759613},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.25099998712539673}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.70267/fer.v3n6.3341","doi":"https://doi.org/10.70267/fer.v3n6.3341","is_oa":true,"landing_page_url":"https://doi.org/10.70267/fer.v3n6.3341","pdf_url":"https://journals.zeuspress.org/index.php/FER/article/download/1725/1642","source":{"id":"https://openalex.org/S4404674800","display_name":"Financial economics research.","issn_l":"3006-3655","issn":["3006-3655","3006-3663"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Financial Economics Research","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.70267/fer.v3n6.3341","doi":"https://doi.org/10.70267/fer.v3n6.3341","is_oa":true,"landing_page_url":"https://doi.org/10.70267/fer.v3n6.3341","pdf_url":"https://journals.zeuspress.org/index.php/FER/article/download/1725/1642","source":{"id":"https://openalex.org/S4404674800","display_name":"Financial economics research.","issn_l":"3006-3655","issn":["3006-3655","3006-3663"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Financial Economics Research","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320336125","display_name":"National Science Fund for Distinguished Young Scholars","ror":null}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225154107.pdf","grobid_xml":"https://content.openalex.org/works/W7225154107.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W3081065366","https://openalex.org/W7161574757","https://openalex.org/W7161473401","https://openalex.org/W7215399554","https://openalex.org/W7202262126","https://openalex.org/W3115372813","https://openalex.org/W4229373896","https://openalex.org/W4405912364","https://openalex.org/W7219955209","https://openalex.org/W189278275"],"abstract_inverted_index":{"Health":[0],"industry":[1],"transformation":[2],"is":[3],"changing":[4],"the":[5,17,35,68],"socioeconomic":[6],"conditions":[7],"under":[8],"which":[9],"medical":[10],"insurance":[11,58],"systems":[12,43],"operate.":[13],"This":[14],"study":[15,69],"examines":[16],"relationship":[18],"between":[19,56],"established":[20],"financing":[21,73],"mechanisms":[22],"and":[23,34,39,50,60,84,92,106],"evolving":[24],"health":[25,30,62,118],"service":[26],"models,":[27],"including":[28],"digital":[29],"integration,":[31],"value-based":[32],"care,":[33],"expansion":[36],"of":[37,45],"preventive":[38],"personalized":[40],"interventions.":[41],"A":[42],"analysis":[44,96],"institutional":[46],"design,":[47],"fiscal":[48],"sustainability,":[49],"stakeholder":[51],"alignment":[52],"identifies":[53],"structural":[54],"tensions":[55],"existing":[57],"arrangements":[59],"emerging":[61],"system":[63,119],"priorities.":[64],"On":[65],"this":[66],"basis,":[67],"proposes":[70],"a":[71],"diversified":[72],"framework":[74],"that":[75,98],"combines":[76],"innovations":[77],"in":[78,103],"risk":[79],"pooling,":[80],"dynamic":[81],"contribution":[82],"mechanisms,":[83],"cross-sectoral":[85],"funding":[86,114],"instruments":[87],"to":[88,116],"strengthen":[89],"equity,":[90],"adaptability,":[91],"long-term":[93],"sustainability.":[94],"The":[95],"emphasizes":[97],"effective":[99],"diversification":[100],"requires":[101],"changes":[102],"governance,":[104],"accountability,":[105],"intertemporal":[107],"resource":[108],"allocation,":[109],"as":[110,112],"well":[111],"additional":[113],"sources,":[115],"support":[117],"transformation.":[120]},"counts_by_year":[],"updated_date":"2026-11-05T12:25:35.769452","created_date":"2026-11-04T00:00:00"}