Study On Commercial Insurance Participation In Social Governance

With the continuous deepening of the reform,the transformation of the social governance system has become the focus and difficulty of the work of governments at all levels.The the third Plenary Session of the 18 th CPC Central Committee "decision" to speed up the formation of a scientific and effective system of social governance "to" encourage and support all aspects of society to participate in social governance;"insurance" new country ten "proposed" let the insurance service industry has become a effective mechanism of innovation of social management".Commercial insurance has the functions of economic compensation and social management,and plays an active role in resolving social contradictions,alleviating the financial burden of the government and improving the people's livelihood.The participation of commercial insurance plays an important role in the transformation of China's social governance system,and helps to speed up the formation of a scientific and effective social governance system,raise the level of social governance and realize the maximization of public interest.This article has conducted the research to the commercial insurance to participate in social governance,the use of a combination of research methods of literature research,comparative analysis,first introduced the governance,social governance and good governance theory and concepts,combined with the analysis of the function of commercial insurance,commercial insurance in the meaning of social governance;secondly,from an empirical point of view to study the development of Z,city commercial insurance to participate in social governance of the whole idea and the specific case,the study found that there is not enough security,sources of premium funds channels,unfair competition behavior,insurance product innovation is lack of pertinence,the government and the public insurance consciousness,problem of the use of fiscal funds is not reasonable.Comprehensive analysis,there are three main reasons: first,the insurance company's understanding and lack of capacity;two,the regulatory laws and regulations are imperfect;three,commercial insurance participation in social governance mechanism is imperfect.Referring to the domestic and international practical experience,this paper puts forward some suggestions for the insurance companies to further improve their understanding and ability,perfect the regulatory legal system,and improve the working mechanism of commercial insurance participation in social governance.