以下文章来源于陆家嘴金融沙龙 ，作者沙龙秘书处 陆家嘴金融沙龙 . 旨在打造陆家嘴论坛常态化品牌，助力上海国际金融中心核心区建设，深化"五个中心"战略及金融领 域"五篇大文章"功能实现。 8月16日，陆家嘴金融沙龙第23期在上海浦东成功举办。在主题为《商业保险如何构建 支持创新药发展的长效机制》的行业对话环节，各嘉宾进一步探讨了商业保险与创新药 发展协同融合的模式。 行业对话由太平洋健康保险股份有限公司副总经理郭超主持；华领医药技术（上海）有 限公司董事长陈力，复旦大学经济学院教授、博士生导师、副院长许闲，平安健康保险 股份有限公司总经理助理兼总精算师丁雯，镁信健康科技集团高级副总裁兼首席创新官 冯昊，担任对话嘉宾。 郭超认为，要解决"药险困境"，构建长效机制，保险公司与创新药企之间要形成共赢机 制。在目前的商业链路里，保险公司通过渠道销售保单、获取客户，创新药企通过研 发、流通、到医院开具处方来完成销售行为，保险公司与药企之间没有太多直接联系。 "商业医药保险已经不是保疾病自身，而是保健康的过程，这个过程中必须有一个系 统、长期的出资体系。"陈力认为。 陈力介绍，这个出资体系在美国以税收形式提供支撑，我国现 ...

Group 1 - The core viewpoint emphasizes the need for a systematic approach to corruption governance, focusing on both case handling and broader systemic reforms to enhance overall effectiveness [1][3][4] - The importance of warning and deterrence through case studies is highlighted, suggesting that disciplinary education should be integrated throughout the entire process of case handling [1][2] - The necessity of deepening systemic treatment by linking case investigations with broader governance strategies is stressed, aiming to prevent minor issues from escalating into major problems [3][4] Group 2 - Strengthening disciplinary education is crucial, with a focus on integrating core regulations into daily practices and enhancing the understanding of compliance among party members [2][3] - Establishing long-term mechanisms for targeted governance is essential, which includes identifying and addressing systemic vulnerabilities within organizations [4] - The need for a robust follow-up and supervision mechanism is emphasized to ensure that corrective actions are effectively implemented and monitored [4]

Group 1 - The recent suspension of the "National Subsidy" program in some regions is primarily due to the exhaustion of previous subsidy funds, with new funds yet to be allocated [1][2] - As of May 31, the total consumption of the national subsidy funds reached approximately 1550 to 1650 billion yuan, accounting for half of the total scale of 3000 billion yuan [1] - The "618" shopping festival is expected to further consume subsidy funds, while companies are also engaging in discount promotions, particularly in the automotive sector, indicating a downward price trend [1][2] Group 2 - The suspension of the "National Subsidy" is aimed at avoiding fund misallocation and price interference, with expectations for adjustments and continuation in the second half of the year [2] - Retail sales of home appliances have shown significant growth, with a 38.8% year-on-year increase in April for major retail units, marking the highest growth among 16 categories of consumer goods [2] - The government has implemented four rounds of consumer subsidy policies since 2009, with previous rounds demonstrating a high multiplier effect on consumption during the subsidy period, although this effect tends to decline over time due to overdraw effects and increased product ownership [2] Group 3 - The use of fiscal subsidies to promote consumption is seen as a short-term measure, while establishing a long-term mechanism for expanding domestic demand is essential for sustainable growth [3] - The government aims to create a virtuous cycle between economic development, income increase, and consumption expansion, emphasizing the need for a balance between short-term policy incentives and long-term institutional building [3] - Recent government directives highlight the importance of investing in people and improving livelihoods, which will support the foundation for expanding consumption [3]

Group 1 - The core viewpoint emphasizes the need for strict supervision and accountability in addressing corruption and misconduct at the grassroots level, which directly affects the public's trust in the party [1][2] - County-level disciplinary inspection and supervision agencies are urged to focus on key and weak links, particularly in areas that impact people's livelihoods, such as education, healthcare, and social welfare [2] - The implementation of a responsibility system is crucial, where party committees must ensure that leaders personally oversee important tasks and address significant issues, thereby enhancing accountability [1][2] Group 2 - Strengthening supervision and enforcement is highlighted as essential, with a focus on investigating and addressing behaviors that harm public interests, such as embezzlement and misappropriation of funds [2] - Establishing a long-term mechanism for addressing corruption is necessary, involving comprehensive governance and continuous improvement of management systems to sustain the results of anti-corruption efforts [2] - Enhancing the capacity and quality of grassroots disciplinary inspection personnel is vital for effectively combating corruption and ensuring integrity within local governance [2]

Core Viewpoint - The Chinese government has launched a special action to standardize administrative law enforcement related to enterprises, focusing on addressing prominent issues that affect businesses and optimizing the business environment for high-quality economic development [1][2]. Group 1: Issues Addressed - The special action targets four main issues: arbitrary charges, fines, inspections, and seizures; illegal enforcement practices; inconsistent enforcement standards; and abuse of power by law enforcement officials [1][2]. - As of May 21, the action has gathered 6,232 problem clues and prompted the handling of 5,246 cases, recovering 98.81 million yuan for enterprises from a total involved amount of 335 million yuan [1]. Group 2: Enforcement and Management - The initiative emphasizes the need for stricter management and training of law enforcement personnel to address issues like rough, arbitrary, and mechanical enforcement [2]. - In the ongoing action, 2,648 individuals not meeting administrative enforcement conditions were removed in Jiangxi, and 351 in Qingdao, with 1,140 clues sent to disciplinary inspection agencies and 1,068 personnel dealt with [2]. Group 3: Regulatory Framework - The Ministry of Justice is developing regulations to clarify the boundaries of law enforcement personnel's powers and behaviors, aiming to prevent abuse of power and ensure compliance with legal standards [3]. - The government is also working on a management approach for law enforcement personnel to establish a robust entry and exit mechanism [3]. Group 4: Fee Regulation - The government is addressing issues of arbitrary charges, particularly in sectors where some units exploit their advantageous positions to impose illegal fees [4]. - Measures include strict checks on unauthorized fee projects, excessive charges, and the forced collection of fees by industry associations [4]. Group 5: Long-term Mechanisms - The government is pushing for the revision of pricing laws and the introduction of measures to handle illegal fee practices, aiming to create a regulatory framework that deters violations [5]. - The implementation of the "Regulations on Administrative Inspections" has shown significant results, reducing unnecessary inspections and enhancing the efficiency of enforcement [6][7]. Group 6: Legislative Support - The newly enacted Private Economy Promotion Law aims to further standardize administrative enforcement and protect the legal rights of various business entities [8]. - The government plans to establish a long-term mechanism to prevent the recurrence of enforcement issues and ensure ongoing compliance and supervision [8].