| A multi-level social security system, members of the social pension is a prerequisite forthe development of the deepening of the market economy. The contradictions furtherhighlights pension also continuously push forward the reform of the pension system,commercial insurance to participate in pension insurance is one of the priorities of thedevelopment of the insurance market at this stage, commercial insurance and social pensioninsurance complementary development of pension contradictory. While in the process ofbuilding a pension system, commercial insurance to some extent on the participation ofcommercial insurance at this stage only the initial participation of commercial insurance noadvantages into full play in the pension system, commercial insurance and social pensioninsurance does not implement the positive interaction between the two, in many parts of ourcountry is in a serious lack of coordination stage, seriously affect the whole communityforward of the pension system and the stable development of the economy. In this paper, thecorresponding indicators measurement analysis showed that the relatively low degree ofcommercial insurance in China to participate in pension insurance. Compared with therelative maturity of the pension system of the developed countries, China’s pension system,there are many aspect to be perfected. Commercial insurance to participate in thedevelopment of old-age insurance needs to be improvement and development in the newsituation in order to achieve coordinated development.The text is divided into seven parts: The first part is to study the background andsignificance, the focus of China’s current pension contradiction causes and the need to solve.The second part defines the commercial insurance to participate in pension insuranceconnotation detailed analysis of the differences and connections of commercial insurance andsocial pension insurance, and cut from the external perspective of the system, combined withthe theory of elasticity, equality and efficiency of alternate theories, Pareto improvementtheory and the theory of financial deepening multi-angle analysis and appraisal of commercialinsurance to participate in pension insurance theoretical possibility. Three angles from thegovernment in the insurance market, insurance companies, members of the community, thethird part, the analysis and appraisal of commercial insurance to participate in the feasibilityand necessity of the old-age insurance. The fourth part of our commercial insurance to participate in pension insurance based on process, in-depth analysis of the commercialinsurance to participate in the course of development and current status of the old-ageinsurance, and detailed description of the commercial insurance in rural old-age insurance andparticipation in the status quo of urban pension insurance, and concentrated summary thecommercial insurance to participate in the basic old-age insurance mode, path selection, andthe subsequent effect. Most focus of this article chapter of the fifth part, by the degree ofcoupling model and coordination degree model measured the extent of this stage ofcommercial insurance to participate in pension insurance, in-depth analysis and measurementresults of the various provinces of the country, policy recommendations later part providestronger support. Part VI describes the relatively mature pension system in the developedcountries, focusing on the United States, Germany pension system operation mode, andsummarizes the experience of enlightenment. Part VII focuses on commercial insurance inChina to participate in pension insurance problems in the process put forward specificmeasures, including the guide to promote government policies, commercial insurance maindeepen the development, service updates, Experience, learning, and ultimately achievecommercial insurance effective participation in pension insurance. |
