【摘要】：建立多層次的社會(huì)保障體系，解決社會(huì)成員的養(yǎng)老問題是市場(chǎng)經(jīng)濟(jì)的深化發(fā)展的前提。養(yǎng)老矛盾的進(jìn)一步凸顯也不斷推進(jìn)養(yǎng)老體系的改革，商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)是現(xiàn)階段保險(xiǎn)市場(chǎng)發(fā)展的重點(diǎn)之一，商業(yè)保險(xiǎn)同基本養(yǎng)老保險(xiǎn)相互補(bǔ)充發(fā)展是解決我國當(dāng)前養(yǎng)老矛盾的重要選擇。盡管在構(gòu)建養(yǎng)老體系的過程中，商業(yè)保險(xiǎn)都在一定程度上有參與，但是現(xiàn)階段商業(yè)保險(xiǎn)只是初步參與，商業(yè)保險(xiǎn)的優(yōu)勢(shì)沒有在養(yǎng)老體系中充分發(fā)揮出來，商業(yè)保險(xiǎn)和養(yǎng)老保險(xiǎn)也沒有實(shí)現(xiàn)兩者的良性互動(dòng)，我國很多地區(qū)更是處于嚴(yán)重的不協(xié)調(diào)階段，嚴(yán)重的影響整個(gè)社會(huì)養(yǎng)老體制的向前推進(jìn)和經(jīng)濟(jì)的穩(wěn)定發(fā)展。本文通過相應(yīng)的指標(biāo)進(jìn)行測(cè)量分析得知，我國商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的程度比較低。與發(fā)達(dá)國家相對(duì)成熟的養(yǎng)老體系相比較，我國養(yǎng)老體系還有很多需要完善的地方。商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的發(fā)展需要在新形勢(shì)下改進(jìn)和發(fā)展，以期實(shí)現(xiàn)協(xié)調(diào)發(fā)展。 全文共分為七部分：第一部分是研究背景及意義，重點(diǎn)分析了當(dāng)前我國養(yǎng)老矛盾產(chǎn)生的原因和解決的必要性。第二部分在界定了商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)內(nèi)涵同時(shí)具體分析了商業(yè)保險(xiǎn)同社會(huì)養(yǎng)老保險(xiǎn)的區(qū)別和聯(lián)系，并從制度的外部性視角切入，結(jié)合彈性理論、平等與效率交替理論、帕累托改進(jìn)理論以及金融深化理論多角度分析論證了商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)理論可能性。第三部分從保險(xiǎn)市場(chǎng)中的政府、保險(xiǎn)公司、社會(huì)成員三個(gè)角度出發(fā)，對(duì)商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的可行性和必要性進(jìn)行分析論證。第四部分以我國商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的過程為基點(diǎn)，深入分析了商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的發(fā)展歷程和現(xiàn)狀，并具體描述了商業(yè)保險(xiǎn)參與農(nóng)村養(yǎng)老保險(xiǎn)和參與城鎮(zhèn)養(yǎng)老保險(xiǎn)的現(xiàn)狀，并集中總結(jié)了商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的基本模式、路徑選擇以及后續(xù)的效果分析。第五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)階段我國各地區(qū)商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)的程度，并對(duì)全國各個(gè)省份測(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。第六部分主要介紹了發(fā)達(dá)國家相對(duì)成熟的養(yǎng)老體系，重點(diǎn)分析美國、德國的養(yǎng)老體系運(yùn)行模式，并總結(jié)相關(guān)的經(jīng)驗(yàn)啟示。第七部分主要針對(duì)我國商業(yè)保險(xiǎn)參與養(yǎng)老保險(xiǎn)過程中存在的問題提出具體的對(duì)策措施，包括政府政策方面的引導(dǎo)推進(jìn)，商業(yè)保險(xiǎn)主體的深化發(fā)展、服務(wù)更新，相關(guān)經(jīng)驗(yàn)借鑒、學(xué)習(xí)，最終實(shí)現(xiàn)商業(yè)保險(xiǎn)有效參與養(yǎng)老保險(xiǎn)。
[Abstract]:It is the premise of the deepening development of market economy to set up a multi-level social security system and solve the pension problem of social members. The contradiction between the aged and the aged has been further highlighted and the reform of the pension system has been continuously promoted. The participation of commercial insurance in the endowment insurance is one of the key points in the development of the insurance market at this stage. The complementary development of commercial insurance and basic endowment insurance is an important choice to solve the current pension contradiction in China. Although commercial insurance has participated to a certain extent in the process of building a pension system, at this stage commercial insurance is only a preliminary participant, and the advantages of commercial insurance have not been brought into full play in the pension system. Commercial insurance and old-age insurance have not realized the benign interaction between the two, and many areas of our country are at a serious stage of disharmony, which seriously affects the advancement of the whole social pension system and the stable development of the economy. This article through the corresponding index carries on the measurement analysis to know, our country commercial insurance participates in the old-age insurance the degree to be low. Compared with the relatively mature pension system in developed countries, China's pension system still needs to be improved. Commercial insurance participation in the development of endowment insurance needs to be improved and developed under the new situation in order to achieve coordinated development. The paper is divided into seven parts: the first part is the background and significance of the study, focusing on the analysis of the causes of the current pension contradictions and the necessity of solving them. The second part defines the connotation of commercial insurance participation in endowment insurance and analyzes the difference and relation between commercial insurance and social endowment insurance, and from the external perspective of the system, combined with elasticity theory, equality and efficiency alternate theory. Pareto's improvement theory and financial deepening theory are analyzed from various angles to demonstrate the possibility of commercial insurance participating in endowment insurance theory. The third part analyzes the feasibility and necessity of commercial insurance participation in endowment insurance from the three angles of government, insurance company and social members in the insurance market. The fourth part, based on the process of commercial insurance participating in endowment insurance in China, deeply analyzes the development course and present situation of commercial insurance participating in endowment insurance. The paper also describes the current situation of commercial insurance participation in rural old-age insurance and urban old-age insurance, and summarizes the basic mode of commercial insurance participation in old-age insurance, path selection and subsequent effect analysis. The fifth part as the key chapter of this paper, through the coupling degree model and coordination degree model to measure the degree of commercial insurance participation in pension insurance in various regions of China at this stage, and in-depth analysis of the measurement results of each province in the country. For the following part of the policy recommendations to provide more effective support. The sixth part mainly introduces the relatively mature pension system in developed countries, focusing on the analysis of the mode of operation of the pension system in the United States and Germany, and summarizes the relevant experience and inspiration. In the seventh part, the author puts forward specific countermeasures and measures to solve the problems in the process of commercial insurance participation in endowment insurance, including the guidance and promotion of government policies, the deepening development of commercial insurance subjects, the renewal of services, and the relevant experience. Learn, finally realize commercial insurance to participate in endowment insurance effectively.
【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.6

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