发挥商业保险对新农保补充作用问题研究

发布时间：2019-03-20 20:58

【摘要】：随着农村老龄社会的到来和经济的不断增长，养老问题在众多民生问题中越来越突出。农村的社会养老体系如果能得到逐步完善，农民的社会养老保障水平能够得到逐步提高，这对确保社会稳定和加快经济快速发展意义深远。商业养老保险对我国社会养老保障体系具有重要补充作用，它的发展对构建我国社会养老保障体系也至关重要。商业养老保险凭借它产品形式丰富、保障水平高、缴费便利和投资收益高等优点，恰好可以满足农村居民对社会养老保障多样化和多层次的要求。所以需要加快开展建立与完善新农保和商业养老保险的良性互动机制的相关工作，确保商业养老保险在养老保障体系建设中健康积极的发展。本文着重提出商业养老保险对社会养老保险补充作用的基础理论。第一,基于马斯洛的需求理论,研究了是否存在老年人的养老需求及如何完善养老保障体系；第二,阐述了市场失控与政府紧急干预理论，以及公平与效率理论，展现了市场失灵时,政府在公共利益分配中可以发挥的巨大支配作用，论证了政府干预对市场调节的不可或缺性和相关干预方法，也强调了政府干预的同时，，也出现政府失灵的情况。其次，本文也研究了我国新型农村社会养老保险与商业养老保险发展现状，并且阐述了影响商业保险对农村养老保险补充作用的因素分析，以及分析了美国、智利、英国和德国四个国家农村社会养老保险与商业养老保险互动发展的模式。
[Abstract]:With the arrival of the aged society in rural areas and the continuous growth of economy, the problem of old-age care is becoming more and more prominent among the problems of people's livelihood. If the rural social old-age system can be gradually improved, the farmers' social pension security level can be gradually improved, which is of great significance to ensure social stability and speed up the rapid economic development. Commercial old-age insurance plays an important supplementary role in China's social old-age security system, and its development is also of vital importance to the construction of China's social old-age security system. Because of its rich product form, high security level, convenient payment and high investment income, commercial old-age insurance can meet the diversified and multi-level requirements of rural residents for social old-age security. Therefore, it is necessary to speed up the related work of establishing and perfecting the benign interactive mechanism between new agricultural insurance and commercial old-age insurance to ensure the healthy and positive development of commercial old-age insurance in the construction of the old-age security system. This paper puts forward the basic theory of the supplementary function of commercial old-age insurance to social endowment insurance. Firstly, based on Maslow's demand theory, this paper studies whether there is a need for the elderly and how to improve the old-age security system. Secondly, it expounds the theory of market out of control and government emergency intervention, as well as the theory of fairness and efficiency, which shows the great dominant role that the government can play in the distribution of public interests when the market fails. This paper demonstrates the indispensable and related intervention methods of government intervention to the market regulation, and emphasizes the government failure at the same time as the government intervention. Secondly, this paper also studies the current situation of the development of the new rural social endowment insurance and commercial endowment insurance in China, and expounds the factors influencing the complementary role of commercial insurance to rural endowment insurance, as well as the analysis of the United States, Chile, and the United States of America and Chile. The interactive development model of rural social old-age insurance and commercial old-age insurance in Britain and Germany.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67

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