The Research Of Commercial Insurance To Participate In Social Management Innovation

The "decision" of The Third Plenary Session of the eighteen points out that "promoting the modernization of national management system and management ability."With our comprehensive deepening reform, innovation of social governance systems has become the new requirements in the field of social construction. Commercial Insurance in social governance significantly has changed the previous government unitary social governance situation. It can effectively broaden the scope of social governance, improve the effectiveness of social governance, and the study of it has also become an important research topic in social governance research.Based on this study of social status and background, this paper developed close ties with the actual business of the insurance industry in Shandong Province, and draw lessons from foreign advanced experience,.It also puts forward some suggestions to the path of commercial insurance in social governance innovation.This paper first introduces the social governance, the relationship between government and market, the basic concepts and views from the function of commercial insurance, then elaborated the significance of commercial insurance to participate in social management. Secondly, prove the rationality and feasibility of theory starting from the empirical analyze the data of insurance market in Shandong, including liability insurance, agricultural insurance, the insurance, such as public security. Finally, focus on.the problems and causes of the commercial insurance innovation in social governance, draw lessons from international experience in automobile insurance to participate in social management, suggestions are put forward targeted from the legal environment, policy support, financial subsidies, insurance awareness of countermeasures. In short, the commercial insurance participation in social governance requires the central and local governments, the insurance market players, regulators, industry associations, the joint efforts of the whole society. We should give full play to the role of commercial insurance, protecting the people’s fundamental interests, the maximum increase harmonious factors and improve social governance, to safeguard national security, to ensure that people live and work, social stability and order.