Research On Commercial Life-insurance Company Participating In Social Insurance Development

Commercial life insurance company to participate in social insurance is one of the key points of the development of China's insurance industry at present stage,in essence,the combination between the two reflects the commercial life insurance company and the government complement each other,the establishment of commercial life insurance to participate in social insurance System,to solve and meet the various levels of social members for social insurance problems and needs of the insurance industry is the premise of deepening development.At the present stage to build a multi-level security system in the process,commercial life insurance companies can only be part of the participation in social insurance,commercial life insurance has not been in the social insurance system to play the biggest advantage,commercial life insurance companies and social insurance To achieve the benign interaction between the two,leading to China and many areas of commercial life insurance companies to participate in social health insurance in the social health insurance and pension insurance in the uncoordinated stage,affecting the entire social health care and pension system and economic development.Through the calculation of the corresponding indicators,this paper draws the conclusion that the degree of social medical insurance and old-age insurance in China's commercial life insurance companies is lower than that of developed countries,and there are many places that need to be improved and improved.Life insurance companies to participate in social insurance in the new situation of social development to achieve coordinated development.The first part is the research background,research significance,research ideas,research methods and domestic and foreign research literature review,mainly from the domestic and foreign literature to understand the commercial life insurance companies to participate in the development of social insurance and research status The second part introduces the commercial life insurance,social insurance,social health insurance and pension insurance connotation,from the government,insurance companies,members of society from the three angles of commercial life insurance to participate in the feasibility of social insurance analysis,Commercial life insurance and social insurance,and from the commercial life insurance to participate in social insurance theory mechanism-equality and efficiency alternation theory,insurance growth and insurance development theory and Pareto improvement theory,multi-angle analysis demonstrated commercial life insurance The third part analyzes the development course,the market scale and the development status of the major life insurance companies in China's commercial life insurance company,and the concrete description of the commercial life insurance company involved in the medical insurance of urban residents,Insurance,rural health insurance,rural endowmentinsurance and urban endowment insurance,and introduces the specific models and problems of participation.The fourth part,as the key chapter of this paper,measures the current situation of China through the coupling degree model and coordination degree model.31 regional commercial life insurance companies to participate in social insurance in the degree of social health insurance and pension insurance,and the results of these areas in-depth analysis of the policy recommendations for the part of the provision of a more robust support;the fifth part of the main focus on China Commercial life insurance companies to participate in the existence of social insurance problems put forward the corresponding countermeasures and suggestions,including government departments to strengthen guidance and supervision,seize the opportunity to promote medical gold and pension reform,improve the participation rate of commercial life insurance companies,and ultimately the commercial life insurance company Effective participation in the social insurance system.