商业保险在社会保障体系中的定位及作用机理研究

Study on the Mechanism and Role of CommercialInsurance in the Social Security System

党中央国务院高度重视发挥商业保险在建立完善社会保障体系中的重要作用。经过多年探索和实践,我国商业保险在参与社会保障体系建设中积累了一套行之有效的做法,提高了社会保障体系的整体水平,丰富了社会保障体系的层次结构,但同时也面临缺少财政、税收等方面的政策支持,运行机制有待进一步完善,保险公司在商业性养老和医疗保险业务领域的经营水平需要进一步提高等问题。本文梳理了商业保险参与社会保障体系建设的国际经验,总结了近年来我国商业保险参与社会保障体系建设的具体做法,并针对其中存在的不足提出了政策建议。

The Party Central Committee and the State Council attach great importance to the important role of commercial insurance in the establishment of social security system.After years of exploration and practice,commercial insurance in China has accumulated a set of effective practices in the construction of social security system,improved the overall level of the system and enriched its hierarchical structure,but also facing the lack of financial,tax and other supporting policies,operation mechanism needing to be further improved,the management level of the insurance company in commercial pension and health insurance business needing to be further improved.This paper reviews international experience in commercial insurance’s participation in the construction of social security system,summarizes the practice of commercial insurance in China to participate in the construction of social security system in recent years,and put forward policy recommendations based on the existing problems.