我国区域社会保障与商业保险协调度研究

The degree of coordination between social security and commercial insurance in China

本文构建了社会保障与商业保险协调度模型，定量研究了社会保障与商业保险的关系，并对模型进行了改进。结果显示：2005年～2010年我国绝大多数省份的协调等级都处于勉强协调和濒临失调的过渡区间，只有北京、山西、辽宁、上海和重庆在最近几年基本达到了初级协调，并且大部分省市的滞后类型为商业保险滞后型。基于上述分析，本文提出了促进社会保障与商业保险进一步协调发展的相关建议。

The paper constructed the social security and commercial insurance coordination model, quantitatively studied the relationship between social security and commercial insurance, and improved on the model accordingly. Results showed that from 2005 to 2010, the social security and commercial insurance in most provinces were barely coordinated or bordered on discoordination. Only Beijing, Shanxi, Liaoning, Shanghai and Chongqing in recent years achieved primary coordination, and in most provinces, it was commercial insurance that lagged behind. Based on the above analysis, this paper proposed to promote further coordinated development between social security and commercial insurance.