失能收入损失保险国际经验及借鉴

Disability income insurance:international experiences and useful lessons

失能收入损失保险是应对失能风险的重要手段,是社会保障体系的重要组成部分。在中国,失能收入损失保险还处于初级发展阶段,在经济发展中没有起到应有的作用。因此,研究借鉴国际经验对于促进中国商业失能收入损失保险发展有重要的理论和现实意义。本文从分析失能收入损失保险发展的国际经验出发,阐述了中国商业失能收入损失保险发展的有利外部环境,并剖析了中国商业失能收入损失保险发展面临的问题。最后,从制度监管、产品开发以及风险管理等方面提出了加快发展中国商业失能收入损失保险的对策建议。

Disability income insurance is an important tool against disability income loss risks, and also an impor- tant component of the social security system. Disability income insurance is still at a very early stage of development in China,therefore hasn＇t displayed its due role in economic development. Studying relevant international experiences has a practical significance for promoting the development of commercial disability income insurance in China. The paper analyzed relevant international experiences, and the favorable external environment developing commercial disability income insurance and problems faced. Then in China for measures for accelerating the development of disability income insurance in China from the perspectives of regulation, product development, and risk management, etc.