论我国商业保险和社会保险的关系

Analysis of the Relationship Between the Commercial Insurance and Social Insurance in China

目前我国商业保险和社会保险的关系中存在着将两者的互补关系模糊为替代关系、衔接关系误解为混合关系、专业和效率目标混淆的认识误区。为此,本文从制度、价值和组织层面等十二个方面比较了两者的不同特征。主张在厘清两者关系的基础上来认识商业保险发展的制度困境,以更好地促进两者互补和衔接,充分发挥两者在社会保障中的作用。

In China, there is misunderstanding about the relationship between commercial insurance and social insurance, such as taking a complementary relationship as a substitution relationship,taking a connecting relationship as a mixing relationship, and confusing the goal of professional with the goal of efficiency. Due to above situation, this article analyzed different characteristics between them in about 12 aspects, such as system, value and organization, and advocates to understand the systemic plight in the development of commercial insurance on the basis of clarifying their relationship, therefore to promote a better complementary and connective relationship between them, and to make them play a betterrole in social security.