The Fusion And Win-win Of Commercial Insurance And Social Insurance Under The Background Of The "10 New Points By The State Council"

At present, China is facing the risk of downward of economic development, the accumulation of social risk factors, increasing the risk of aging, increasing the risk of disease and so on. These problems are relatively concentrated, resulting in the current stage of interest adjustment is more difficult, the reform involves more wide, touch the interests of a deeper level, greater social risk. Under this background, it is more necessary and urgent to improve the social security system, to reconcile the function between social security and commercial insurance system, to play the function of "social stabilizer" and "social buffer".At present, China's social security system itself has some shortcomings, mainly as follows:firstly, the social security system of the "fragmentation" resulting in poor stability; secondly, low level of protection, is difficult to meet the high security demand; thirdly, the social security fund depreciation risk make financial sustainability of the social security challenges. Therefore, the social security system is still in the process of improvement. However, commercial insurance, in the early stages of development, is lack of social credit foundation, with the lack of people's awareness of the risks, there are still some prejudices. These problems determine that China's commercial insurance cannot fully adapt to China's practical needs. In the deep integration of commercial insurance and social insurance, the role is still relatively limited.The State Council formulated and promulgated the insurance industry, the "10 New Points by the State Council" to further accelerate modern insurance industry. Commercial Insurance will improve the social security system. It also reflects that China pay more and more attention to people's livelihood security and social stability and insurance industry.Based on the analysis of problems China's economic and social insurance facing, and difficulties of commercial insurance system, it explores the relationship between social and commercial insurance. Then take major medical insurance as an example, to explore the affecting factors of the parties in the operation, and the need to resolve the sustainability, handling efficiency and quality of service, commercial insurance market advantage to play and other key issues. And explore entry mechanism, payment management and control mechanism, supervision and evaluation mechanism, dynamic adjustment mechanism and other key aspects of the operation mechanism and other key links to optimize the management and control mechanism. To jointly promote social security system, safeguard the people's life production stability, contribution to the socialist harmonious society.