确立和发挥商业保险在养老保障体系的支柱作用探析

On Establishing and Strengthening the Pillar Role of Commercial Insurance in Pension Security System

我国现行养老保障存在覆盖面不宽、社会化程度偏低、保障体系不完全、运行效率不高等突出问题,商业保险的功能作用远未得到充分发挥。本文系统分析了强化商业保险在养老保障体系中支柱作用的必要性和重要性,并从政策层面就如何发挥商业保险的支柱作用、促进养老保障体系建设与发展提出了具体建议。

There are many problems in the present China＇ s pension security： narrow coverage, a low degree of the socialization, imperfect security system, low efficiency of operation, etc. This article systematically analyzes the necessity and importance of strengthening the pillar role of commercial insurance in China＇ s pension security system, and raises policy suggestions on how to strengthen the pillar role of commercial insurance and promote the development of China＇ s pension system from policy and business aspects.