老龄化视角下家庭商业养老保险研究

Research on Family Commercial Endowment Insurance from the Perspective of Aging

我国基本养老保险具有很强的福利性和保障性,政府为此投入了大量的人财物,但是随着我国老龄化进程的加深,政府在基本养老保险上的福利投入开始力不从心。为此必须发挥社会主义市场经济的优势,大力发展家庭商业养老保险,用市场经济的力量为广大人民谋福祉实现保金的保值和增值。

China’s basic endowment insurance has strong welfare and security nature.The government has invested a large amount of people and property.However,with the deepening of China’s aging process,the government’s welfare investment in basic endowment insurance has begun to fail.To this end,we must give play to the advantages of the socialist market economy,vigorously develop family commercial endowment insurance,and use the power of the market economy to benefit the general public and realize the preservation and appreciation of the deposit.