商业人寿保险公司参与社会保险发展研究
发布时间：2018-09-08 19:13
【摘要】：商业人寿保险公司参与社会保险是现阶段中国保险行业发展的重点之一,实质上这两者之间的结合体现了商业人寿保险公司与政府的相互补充效应,建立商业人寿保险参与社会保险的保障体系,解决和满足各层次社会成员对于社会保险的问题与需求是保险业市场深化发展的前提。在现阶段构建多层次的保障体系的过程中,商业人寿保险公司只有一部分参与到社会保险中,商业人寿保险还没有在社会保险体系中发挥最大优势,并没有实现两者的良性互动,导致我国还有很多地区商业人寿保险公司参与社会保险中社会医疗保险和养老保险处于不协调阶段,影响了整个社会医疗和养老体制的进程和经济的稳定发展。本文通过对相应的指标进行测算,得出我国商业人寿保险公司参与社会保险中社会医疗保险和养老保险的程度相对于发达国家偏低,还有很多地方需要完善和改进,通过一些具体措施使商业人寿保险公司参与社会保险在社会发展的新形势下实现协调发展。全文分为五个部分:第一部分是研究背景、研究意义、研究思路、研究方法以及国内外研究文献综述,主要从国内外研究的文献中了解商业人寿保险公司参与社会保险的发展历程及研究现状;第二部分介绍了商业人寿保险、社会保险、社会医疗保险和养老保险内涵,从政府、保险公司、社会成员三个角度出发对商业人寿保险参与社会保险的可行性进行分析,同时具体分析了商业人寿保险与社会保险的区别及联系,并从商业人寿保险参与社会保险理论机制——平等与效率交替理论、保险增长与保险发展理论以及帕累托改进理论,多角度分析论证了商业人寿保险参与社会保险理论可能性;第三部分深入分析了我国商业人寿保险公司的发展历程、市场规模和主要寿险公司的发展状况,另外具体描述了商业人寿保险公司参与城镇居民医疗保险、城镇职工医疗保险、农村医疗保险、农村养老保险和城镇养老保险的现状,并介绍了参与的具体模式及存在的问题;第四部分作为本文的重点章节,通过耦合度模型及协调度模型测量了现阶段我国31个地区商业人寿保险公司参与社会保险中社会医疗保险和养老保险的程度,并对这些地区测量结果进行深入的分析,为后文政策建议部分提供了更有力的支撑;第五部分主要针对我国商业人寿保险公司参与社会保险存在的问题提出相应的对策建议,包括政府部门加强引导和监管、把握时机推进医疗金和养老金改革、提高商业人寿保险公司的参与率等,最终使商业人寿保险公司有效的参与到社会保险体系中。
[Abstract]:The participation of commercial life insurance companies in social insurance is one of the key points in the development of China's insurance industry at the present stage. In fact, the combination of the two reflects the complementary effect between commercial life insurance companies and the government. It is a prerequisite for the insurance market to deepen the development of insurance market by establishing a social insurance security system for commercial life insurance to solve and satisfy the problems and needs of social members at all levels. In the process of constructing a multi-level security system at this stage, only some commercial life insurance companies are involved in social insurance, and commercial life insurance has not yet played its greatest advantage in the social insurance system. There is no positive interaction between the two, leading to the fact that there are still many regional commercial life insurance companies participating in social insurance in which social medical insurance and old-age insurance are in an uncoordinated stage. Affected the entire social medical care and pension system process and stable development of the economy. By measuring the corresponding indicators, this paper concludes that the degree of participation of commercial life insurance companies in social insurance in China is lower than that in developed countries, and there are still many areas that need to be perfected and improved. Through some concrete measures to make commercial life insurance companies participate in social insurance in the new situation of social development to achieve coordinated development. The paper is divided into five parts: the first part is the research background, research significance, research ideas, research methods and domestic and foreign literature review. The second part introduces the connotation of commercial life insurance, social medical insurance and old-age insurance. The feasibility of commercial life insurance to participate in social insurance is analyzed from three angles of insurance company and social member. At the same time, the difference and relation between commercial life insurance and social insurance are analyzed concretely. And from the commercial life insurance participation social insurance theory mechanism-equality and efficiency alternate theory, insurance growth and insurance development theory and Pareto improvement theory, multi-angle analysis and demonstration of commercial life insurance participation in social insurance theory possibility; The third part deeply analyzes the development course, market scale and the development of major life insurance companies of commercial life insurance companies in China. In addition, it specifically describes the participation of commercial life insurance companies in urban residents' medical insurance, urban workers' medical insurance. The current situation of rural medical insurance, rural old-age insurance and urban old-age insurance, and introduced the specific mode of participation and existing problems; the fourth part as the focus of this chapter, Through coupling degree model and coordination degree model, this paper measures the degree of participation of commercial life insurance companies in social insurance and pension insurance in 31 regions of China at present, and analyzes the results of the measurement in these areas. The fifth part mainly aims at the problems of commercial life insurance companies in China to participate in social insurance, including the strengthening of government guidance and supervision. Seize the opportunity to promote the reform of medical funds and pensions, improve the participation rate of commercial life insurance companies, and finally make commercial life insurance companies participate in the social insurance system effectively.
【学位授予单位】：吉首大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3
[Abstract]:The participation of commercial life insurance companies in social insurance is one of the key points in the development of China's insurance industry at the present stage. In fact, the combination of the two reflects the complementary effect between commercial life insurance companies and the government. It is a prerequisite for the insurance market to deepen the development of insurance market by establishing a social insurance security system for commercial life insurance to solve and satisfy the problems and needs of social members at all levels. In the process of constructing a multi-level security system at this stage, only some commercial life insurance companies are involved in social insurance, and commercial life insurance has not yet played its greatest advantage in the social insurance system. There is no positive interaction between the two, leading to the fact that there are still many regional commercial life insurance companies participating in social insurance in which social medical insurance and old-age insurance are in an uncoordinated stage. Affected the entire social medical care and pension system process and stable development of the economy. By measuring the corresponding indicators, this paper concludes that the degree of participation of commercial life insurance companies in social insurance in China is lower than that in developed countries, and there are still many areas that need to be perfected and improved. Through some concrete measures to make commercial life insurance companies participate in social insurance in the new situation of social development to achieve coordinated development. The paper is divided into five parts: the first part is the research background, research significance, research ideas, research methods and domestic and foreign literature review. The second part introduces the connotation of commercial life insurance, social medical insurance and old-age insurance. The feasibility of commercial life insurance to participate in social insurance is analyzed from three angles of insurance company and social member. At the same time, the difference and relation between commercial life insurance and social insurance are analyzed concretely. And from the commercial life insurance participation social insurance theory mechanism-equality and efficiency alternate theory, insurance growth and insurance development theory and Pareto improvement theory, multi-angle analysis and demonstration of commercial life insurance participation in social insurance theory possibility; The third part deeply analyzes the development course, market scale and the development of major life insurance companies of commercial life insurance companies in China. In addition, it specifically describes the participation of commercial life insurance companies in urban residents' medical insurance, urban workers' medical insurance. The current situation of rural medical insurance, rural old-age insurance and urban old-age insurance, and introduced the specific mode of participation and existing problems; the fourth part as the focus of this chapter, Through coupling degree model and coordination degree model, this paper measures the degree of participation of commercial life insurance companies in social insurance and pension insurance in 31 regions of China at present, and analyzes the results of the measurement in these areas. The fifth part mainly aims at the problems of commercial life insurance companies in China to participate in social insurance, including the strengthening of government guidance and supervision. Seize the opportunity to promote the reform of medical funds and pensions, improve the participation rate of commercial life insurance companies, and finally make commercial life insurance companies participate in the social insurance system effectively.
【学位授予单位】：吉首大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3
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