The Benign Interaction Mechanism Of Social And Commercial Endowment Insurance In China

As China's aging society gradually coming and constant growth of economy, the pension issuehas become the important issue of people's livelihood. Gradually establish and improve China'ssocial pension system, enlarging the endowment insurance coverage, improve the level of pensioninsurance, to maintain social stability and promote stable economic development has importantsignificance. As the important content of "three pillars" of the old-age security system, the pensioninsurance business as an important supplement part of China's social security system, thedevelopment of old-age security system plays an important role. The pension insurance businessunique security level is high, product diversity, the payment is flexible and high investment returncan meet the different demand for old-age security. people in urban and rural areas.Therefore, tostudy on the benign and interactive mechanism of China's social endowment insurance and pensioninsurance business, promote the commercial endowment insurance in our country social securitysystem play an important role in the construction of China's social pension system.In this paper, the main contents are as follows: The first chapter mainly introduces the researchbackground, research purpose and significance, domestic and international literature review,research contents, research methods and main innovation. The second chapter,f the socialendowment insurance and pension insurance business is benign and interactive theory aresummarized. First, introduced the market failure and government intervention theory, describes thegovernment in the public interest distribution in market performance and the reason, elaborated thenecessity of the government intervenes and method; secondly, from Maslow's needs theory explainsthe demands of the elderly and the establishment of a multi-level social security system of theimportance of China's social pension system. The third chapter introduces social endowmentinsurance and pension insurance commercial interaction of contradictions and problems in China,the perspective from the national policy and market development is discussed respectively. Thefourth chapter introduces the factors of benign and interactive in social endowment insurance andpension insurance business in our country, to achieve the benign interaction of constraints. The fifthchapter introduces foreign social endowment insurance and pension insurance commercialinteraction model, respectively, Germany, the United States, Great Britain and Chile. The sixthchapter elaborated our country social endowment insurance and pension insurance business is benign and interactive mechanism of construction, separately from the basic old-age insurance arediscussed, and provides the suggestions and measures of the mode of development, productinnovation, policy improvement, market developing, and the operation experience from theinsurance company successful.