人口老龄化背景下我国专属商业养老保险试点方案的比较和思考

Comparison and Consideration of the Pilot Scheme of Exclusive Commercial Endowment Insurance in China under the Background of Population Aging

为响应“积极应对人口老龄化国家战略”,中国银保监会开展了专属商业养老保险的试点,并收获了相关成果。本文分类比较和综合分析了当前试点方案的优势和不足,建议新一轮试点应该重点把握:第一,将患病和失能老人纳入保障范围;第二,依托保险行业协会,建立拥有各自特色产品的保险公司群体;第三,凸显“专属”特性,拓展服务范围;第四,进行保险精算匹配,确定合适的最低保证利率。

In response to the national strategy of actively dealing with population aging,the China Banking and Insurance Regulatory Commission has carried out the pilot of the exclusive commercial endowment insurance,and has achieved relevant results.This paper classifies,compares and comprehensively analyzes the advantages and disadvantages of current pilot programs,and suggests that the new round of pilot programs should focus on the followings.First,include the sick and disabled elderly in the coverage of insurance;Second relying on the insurance industry association,establish groups of insurance companies with their own characteristic products;Third,highlight "exclusive" features and expand the scope of services;Fourth,actuarial matching is carried out to determine the appropriate minimum guaranteed interest rate.