商业保险发展中的问题及解决途径研究
[摘要] 随着社会保险改革的不断发展,社会保障体系与商业保险的统筹发展越来越受到国家的重视。中国经济的发展局势下带给商业保险机遇,使得商业保险可以在补充养老保险、补充医疗保险、农村保险领域有着较大的发展空间。但商业保险在现在的发展局势下仍然有很大的不足。在我国前不久召开的中共十三大会议指出：我国保险业要立足新起点，持续推进行业改革创新，更好地支持经济社会建设，为服务国家治理体系和治理能力现代化作出更大贡献。主动适应经济发展新常态的形势和要求，以供给侧结构性改革为主线，扩大有效保险供给、满足社会日益增长的多元化保险服务需求为出发点，牢固树立和贯彻落实创新、协调、绿色、开放、共享的发展理念，提高发展质量和效益，建设有市场竞争力、富有创造力和充满活力的现代保险服务业。这很好的说明保险意识已经上升到国家意识，我国商业保险的发展有着很大的提升空间，在发挥其使用价值的过程中客观上维护了社会的稳定,对社会保障起到了很好的补充作用。
[关键词]社会保障体系；商业保险；政策改革
Research on the problems and solutions in the development of commercial insurance
[Abstract] With the continuous development of social insurance reform, the social security system and the overall development of commercial insurance have been paid more and more attention by the state. Under the development of China’s economy, business insurance opportunities can be brought to commercial insurance, which has great room for development in the field of supplementary endowment insurance, supplementary medical insurance and rural insurance. But there is still a lot of shortage in the current situation of commercial insurance. Recently held in China before the thirteenth meeting pointed out: China’s insurance industry should be based on a new starting point, continue to promote industry innovation, better support economic and social development and make greater contribution to the service of national governance systems and governance capacity modernization. Take the initiative to adapt to the new normal economic development situation and requirements, in order to supply side structural reform, expand the effective supply and demand of social insurance services to meet the growing diversification of insurance as a starting point, firmly establish and implement the innovation, coordination, green, open and shared the idea of development, improve the quality and efficiency of construction market competitive, creative and vibrant modern insurance services. This shows that insurance awareness has risen to national consciousness. The development of commercial insurance in China has greatly improved. In the process of exerting its use value, it objectively maintained social stability and played a good role in social security.
[Keywords] social security system; commercial insurance; development status
目录
一、引言……………………………………………..1
二、商业保险的概述…………………………………….1
（一）商业保险的基本内容……………………………….1
（二）我国商业保险的发展历程……………………………2
三、商业保险的发展现况…………………………………3
（一）商业保险和社会保险的基本矛盾研究…………………..3
（二）我国商业保险公司监管的法律制度研究…………………4
四、商业保险面临的发展问题……………………………..5
（一）市场缺陷问题…………………………………….5
（二）保险营销险种问题…………………………………6
（三）保险的市场监管问题……………………………….7
五、商业保险应对的发展对策及解决途径…………………….8
（一）商业保险和社会保险融合共赢，促进发展………………..8
（二）稳步提升商业保险专业化水平………………………..9
（三）深化改革，增强行业可持续发展动力…………………..10
六、结论…………………………………………….12
参考文献……………………………………………13
致谢……………………………………………….14
