發(fā)布時(shí)間：2018-09-08 19:13

【摘要】：商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)是現(xiàn)階段中國保險(xiǎn)行業(yè)發(fā)展的重點(diǎn)之一,實(shí)質(zhì)上這兩者之間的結(jié)合體現(xiàn)了商業(yè)人壽保險(xiǎn)公司與政府的相互補(bǔ)充效應(yīng),建立商業(yè)人壽保險(xiǎn)參與社會(huì)保險(xiǎn)的保障體系,解決和滿足各層次社會(huì)成員對(duì)于社會(huì)保險(xiǎn)的問題與需求是保險(xiǎn)業(yè)市場(chǎng)深化發(fā)展的前提。在現(xiàn)階段構(gòu)建多層次的保障體系的過程中,商業(yè)人壽保險(xiǎn)公司只有一部分參與到社會(huì)保險(xiǎn)中,商業(yè)人壽保險(xiǎn)還沒有在社會(huì)保險(xiǎn)體系中發(fā)揮最大優(yōu)勢(shì),并沒有實(shí)現(xiàn)兩者的良性互動(dòng),導(dǎo)致我國還有很多地區(qū)商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)中社會(huì)醫(yī)療保險(xiǎn)和養(yǎng)老保險(xiǎn)處于不協(xié)調(diào)階段,影響了整個(gè)社會(huì)醫(yī)療和養(yǎng)老體制的進(jìn)程和經(jīng)濟(jì)的穩(wěn)定發(fā)展。本文通過對(duì)相應(yīng)的指標(biāo)進(jìn)行測(cè)算,得出我國商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)中社會(huì)醫(yī)療保險(xiǎn)和養(yǎng)老保險(xiǎn)的程度相對(duì)于發(fā)達(dá)國家偏低,還有很多地方需要完善和改進(jìn),通過一些具體措施使商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)在社會(huì)發(fā)展的新形勢(shì)下實(shí)現(xiàn)協(xié)調(diào)發(fā)展。全文分為五個(gè)部分:第一部分是研究背景、研究意義、研究思路、研究方法以及國內(nèi)外研究文獻(xiàn)綜述,主要從國內(nèi)外研究的文獻(xiàn)中了解商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)的發(fā)展歷程及研究現(xiàn)狀;第二部分介紹了商業(yè)人壽保險(xiǎn)、社會(huì)保險(xiǎn)、社會(huì)醫(yī)療保險(xiǎn)和養(yǎng)老保險(xiǎn)內(nèi)涵,從政府、保險(xiǎn)公司、社會(huì)成員三個(gè)角度出發(fā)對(duì)商業(yè)人壽保險(xiǎn)參與社會(huì)保險(xiǎn)的可行性進(jìn)行分析,同時(shí)具體分析了商業(yè)人壽保險(xiǎn)與社會(huì)保險(xiǎn)的區(qū)別及聯(lián)系,并從商業(yè)人壽保險(xiǎn)參與社會(huì)保險(xiǎn)理論機(jī)制——平等與效率交替理論、保險(xiǎn)增長與保險(xiǎn)發(fā)展理論以及帕累托改進(jìn)理論,多角度分析論證了商業(yè)人壽保險(xiǎn)參與社會(huì)保險(xiǎn)理論可能性;第三部分深入分析了我國商業(yè)人壽保險(xiǎn)公司的發(fā)展歷程、市場(chǎng)規(guī)模和主要壽險(xiǎn)公司的發(fā)展?fàn)顩r,另外具體描述了商業(yè)人壽保險(xiǎn)公司參與城鎮(zhèn)居民醫(yī)療保險(xiǎn)、城鎮(zhèn)職工醫(yī)療保險(xiǎn)、農(nóng)村醫(yī)療保險(xiǎn)、農(nóng)村養(yǎng)老保險(xiǎn)和城鎮(zhèn)養(yǎng)老保險(xiǎn)的現(xiàn)狀,并介紹了參與的具體模式及存在的問題;第四部分作為本文的重點(diǎn)章節(jié),通過耦合度模型及協(xié)調(diào)度模型測(cè)量了現(xiàn)階段我國31個(gè)地區(qū)商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)中社會(huì)醫(yī)療保險(xiǎn)和養(yǎng)老保險(xiǎn)的程度,并對(duì)這些地區(qū)測(cè)量結(jié)果進(jìn)行深入的分析,為后文政策建議部分提供了更有力的支撐;第五部分主要針對(duì)我國商業(yè)人壽保險(xiǎn)公司參與社會(huì)保險(xiǎn)存在的問題提出相應(yīng)的對(duì)策建議,包括政府部門加強(qiáng)引導(dǎo)和監(jiān)管、把握時(shí)機(jī)推進(jìn)醫(yī)療金和養(yǎng)老金改革、提高商業(yè)人壽保險(xiǎn)公司的參與率等,最終使商業(yè)人壽保險(xiǎn)公司有效的參與到社會(huì)保險(xiǎn)體系中。
[Abstract]:The participation of commercial life insurance companies in social insurance is one of the key points in the development of China's insurance industry at the present stage. In fact, the combination of the two reflects the complementary effect between commercial life insurance companies and the government. It is a prerequisite for the insurance market to deepen the development of insurance market by establishing a social insurance security system for commercial life insurance to solve and satisfy the problems and needs of social members at all levels. In the process of constructing a multi-level security system at this stage, only some commercial life insurance companies are involved in social insurance, and commercial life insurance has not yet played its greatest advantage in the social insurance system. There is no positive interaction between the two, leading to the fact that there are still many regional commercial life insurance companies participating in social insurance in which social medical insurance and old-age insurance are in an uncoordinated stage. Affected the entire social medical care and pension system process and stable development of the economy. By measuring the corresponding indicators, this paper concludes that the degree of participation of commercial life insurance companies in social insurance in China is lower than that in developed countries, and there are still many areas that need to be perfected and improved. Through some concrete measures to make commercial life insurance companies participate in social insurance in the new situation of social development to achieve coordinated development. The paper is divided into five parts: the first part is the research background, research significance, research ideas, research methods and domestic and foreign literature review. The second part introduces the connotation of commercial life insurance, social medical insurance and old-age insurance. The feasibility of commercial life insurance to participate in social insurance is analyzed from three angles of insurance company and social member. At the same time, the difference and relation between commercial life insurance and social insurance are analyzed concretely. And from the commercial life insurance participation social insurance theory mechanism-equality and efficiency alternate theory, insurance growth and insurance development theory and Pareto improvement theory, multi-angle analysis and demonstration of commercial life insurance participation in social insurance theory possibility; The third part deeply analyzes the development course, market scale and the development of major life insurance companies of commercial life insurance companies in China. In addition, it specifically describes the participation of commercial life insurance companies in urban residents' medical insurance, urban workers' medical insurance. The current situation of rural medical insurance, rural old-age insurance and urban old-age insurance, and introduced the specific mode of participation and existing problems; the fourth part as the focus of this chapter, Through coupling degree model and coordination degree model, this paper measures the degree of participation of commercial life insurance companies in social insurance and pension insurance in 31 regions of China at present, and analyzes the results of the measurement in these areas. The fifth part mainly aims at the problems of commercial life insurance companies in China to participate in social insurance, including the strengthening of government guidance and supervision. Seize the opportunity to promote the reform of medical funds and pensions, improve the participation rate of commercial life insurance companies, and finally make commercial life insurance companies participate in the social insurance system effectively.
【學(xué)位授予單位】：吉首大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.3

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