本文選題：新國十條 + 社會保險��； 參考：《山東大學》2016年碩士論文

【摘要】：當前,我國經(jīng)濟社會發(fā)展面臨著經(jīng)濟發(fā)展下行風險、社會風險因素累積、老齡化風險日益加劇、疾病風險日益凸顯等問題。我國當前面臨的這些問題既有周期性經(jīng)濟發(fā)展的問題,更有體制改革進入深水區(qū)的問題。這些問題導致了我國現(xiàn)階段改革發(fā)展觸及到的利益層次更深,面臨的社會風險也更大。在此背景下,完善社會保障網(wǎng)制度,調(diào)和社會保障和商業(yè)保險制度間的功能,發(fā)揮“社會穩(wěn)定器”、“社會緩沖器”的功效,顯得更為必要和緊迫。當前,我國社會保障體系自身存在一定的不足,主要表現(xiàn)為,一是社會保障的“碎片化”致使制度穩(wěn)定性較差；二是保障水平低,難以滿足人們較高的保障需求；三是社�；鹳H值風險使社保財務可持續(xù)性受到挑戰(zhàn)。因此,我國社會保障體系建設(shè)仍處在一個不斷健全和完善的過程中。而作為社會保障重要補充的商業(yè)保險,由于尚處在發(fā)展初級,自身發(fā)展基礎(chǔ)還不成熟,商業(yè)保險制度還缺乏社會信用基礎(chǔ),民眾風險意識缺乏,對商業(yè)保險還存在一定的偏見等。這些問題客觀決定了我國商業(yè)保險發(fā)展,還不能完全適應當前我國全面深化改革和經(jīng)濟社會發(fā)展的現(xiàn)實需要。在商業(yè)保險與社會保障尤其是社會保險的深度融合中,發(fā)揮的作用還相對有限,其支柱作用還沒有得到充分的發(fā)揮。為了進一步加快現(xiàn)代保險業(yè)發(fā)展,國務院出臺“新國十條”,將發(fā)揮保險業(yè)職能,完善多層次社會保障體系和治理體系建設(shè),放在突出位置,體現(xiàn)了國家對民生保障和社會穩(wěn)定發(fā)展的重視,也是對保險行業(yè)給予的重任。因此,本文在分析了我國經(jīng)濟社會轉(zhuǎn)型過程中面臨的一些主要問題,社保體系自身不足,以及作為其重要組成的商業(yè)保險制度發(fā)展面臨的困境基礎(chǔ)上,探索商業(yè)保險與社會保險關(guān)系融合共贏,并以大病保險為例,探討運行過程中各方利益影響因素,并提出需要解決的可持續(xù)性,經(jīng)辦效率和服務質(zhì)量,商業(yè)保險市場化優(yōu)勢發(fā)揮等重點問題,并就進入機制、賠付管控機制、監(jiān)管與考評機制、動態(tài)調(diào)整機制等運行機制等重點環(huán)節(jié)管控機制優(yōu)化提出建議,以期共同推進我國社會保障體系健全和發(fā)展,保障人民群眾生活生產(chǎn)穩(wěn)定,促進我國社會主義和諧社會建設(shè)。
[Abstract]:At present, the economic and social development of our country is facing the downward risk of economic development, the accumulation of social risk factors, the increasing aggravation of the risk of aging, the increasing risk of disease, and so on. These problems in our country are not only periodic economic development, but also the problem of system reform entering deep water area. These problems lead to a deeper level of benefits and greater social risks. Under this background, it is more necessary and urgent to perfect the system of social security network, to reconcile the functions between social security and commercial insurance system, and to bring into play the functions of "social stabilizer" and "social buffer". At present, China's social security system itself has some shortcomings, mainly as follows: first, "fragmentation" of social security results in poor system stability, second, low level of security, difficult to meet the higher security needs of people; Third, the risk of social security fund devaluation will challenge the financial sustainability of social security. Therefore, the construction of our social security system is still in a process of continuous improvement and perfection. Commercial insurance, which is an important supplement to social security, is still in the primary stage of development, its own development foundation is not yet mature, the commercial insurance system lacks the social credit basis, and the people lack the sense of risk. There is still a certain prejudice to commercial insurance. These problems objectively determine the development of commercial insurance in China, and can not fully meet the actual needs of deepening reform and economic and social development in China. In the deep integration of commercial insurance and social security, especially the social insurance, the role played is relatively limited, and its pillar role has not been fully played. In order to further speed up the development of the modern insurance industry, the State Council has issued the "New National Ten articles", which will give full play to the functions of the insurance industry, perfect the multi-level social security system and the construction of the governance system, and put it in a prominent position. It reflects the importance that the country attaches to the livelihood of the people and the stable development of the society, and it is also an important task given to the insurance industry. Therefore, based on the analysis of some main problems in the process of economic and social transformation in China, the deficiency of social security system itself, and the difficulties faced by the development of commercial insurance system as an important part of the social security system, To explore the win-win relationship between commercial insurance and social insurance, and take the serious illness insurance as an example, to explore the factors that affect the interests of all parties in the operation process, and to put forward the sustainability, operational efficiency and service quality that need to be solved. Commercial insurance market advantages and other key issues, and put forward some suggestions on how to optimize the control mechanism of key links, such as access mechanism, compensation control mechanism, supervision and evaluation mechanism, dynamic adjustment mechanism, etc. The aim is to promote the improvement and development of our social security system, to ensure the stability of the people's life and production, and to promote the construction of a harmonious socialist society in our country.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F842.6

【參考文獻】

相關(guān)期刊論文 前10條

1 賈繼榮;高廣穎;馬騁宇;那春霞;馬千慧;段婷;俞金枝;;北京市新型農(nóng)村合作醫(yī)療大病保險實施效果及基金流向研究[J];中國衛(wèi)生經(jīng)濟;2016年01期

2 吳海波;;大病保險籌資動態(tài)調(diào)節(jié)機制研究[J];金融與經(jīng)濟;2014年05期

3 宋占軍;朱銘來;;大病保險制度推廣對各地城居醫(yī)�；鹂沙掷m(xù)性的影響[J];保險研究;2014年01期

4 鄭功成;;中國社會保障演進的歷史邏輯[J];中國人民大學學報;2014年01期

5 李靜萍;;社會保險改革下統(tǒng)籌商業(yè)保險的發(fā)展研究[J];理論月刊;2013年06期

6 朱銘來;于新亮;宋占軍;;我國城鄉(xiāng)居民大病醫(yī)療費用預測與保險基金支付能力評估[J];保險研究;2013年05期

7 嚴志欽;馬海龍;;人口老齡化對我國養(yǎng)老保險的影響及對策[J];甘肅科技縱橫;2011年06期

8 姚世軍;;淺論社會保險制度改革下商業(yè)保險的發(fā)展[J];現(xiàn)代經(jīng)濟信息;2011年19期

9 童星;;公共政策的社會穩(wěn)定風險評估[J];學習與實踐;2010年09期

10 何文炯;;社會保險轉(zhuǎn)型與商業(yè)保險發(fā)展[J];保險研究;2010年07期

，

本文編號：2046465