Research On The Construction Of Multi-level Endowment Insurance System In China’s Commercial Insurance

Forty years of reform and opening up,with the continuous development of social economy,the problem of social aging has gradually emerged,and the problem of providing for the aged has become the focus of social attention.The establishment and improvement of a multi-level pension insurance system and the promotion of old-age benefits for the elderly are conducive to the reduction of social contradictions,the maintenance of social equity and the orderly development of social politics and economy.Commercial old-age insurance is a supplementary old-age insurance system and an important component of China’s multi-level pension insurance system.The development of commercial pension insurance is of great significance to promote the construction of China’s multi-level pension insurance system.Commercial pension insurance has the characteristics of high treatment level,various forms of insurance,flexible payment and high return on investment,which can meet the multi-level and diversified requirements of urban residents for old-age insurance.Therefore,the analysis of the development methods of commercial endowment insurance has a positive impact on the development of commercial endowment insurance to participate in the construction of a multi-level endowment insurance system.This paper consists of six chapters.The first chapter is the introduction.The main purpose and significance of this paper is to summarize the research ideas,methods and innovations of this paper by analyzing and sorting out the relevant literatures at home and abroad.The second chapter mainly expounds the relevant theories,and the third chapter analyzes the present situation and existing problems of domestic commercial insurance participating in the construction of multi-level endowment insurance system.The fourth chapter analyzes the construction mode of foreign commercial insurance participating in multi-level pension insurance from the perspectives of fiscal and tax policies,asset management mode,products and risk control.In the fifth chapter,the author analyzes the relevant foreign practice results and provides reference experience for China’s commercial insurance to participate in the multi-level pension insurance system.The sixth chapter provides relevant countermeasures and suggestions for China’s commercial insurance to participate in the construction of multi-level pension insurance system.