商业保险开展中的问题及解决途径研究[]随着社会保险改革的不断开展,社会保障体系与商业保险的统筹开展越来越受到国家的重视。中国经济的开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开展空间。但商业保险在现在的开展局势下仍然有很大的缺乏。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，为效劳国家治理体系和治理能力现代化作出更大奉献。主动适应经济开展新常态的形势和要求，以供应侧结构性改革为主线，扩大有效保险供应、满足社会日益增长的多元化保险效劳需求为出发点，牢固树立和贯彻落实创新、协调、绿色、开放、共享的开展理念，提高开展质量和效益，建设有市场竞争力、富有创造力和充满活力的现代保险效劳业。这很好的说明保险意识已经上升到国家意识，我国商业保险的开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Researchontheproblemsandsolutionsinthedevelopmentofcommercialinsurance[Abstract]Withthecontinuousdevelopmentofsocialinsurancereform,thesocialsecuritysystemandtheoveralldevelopmentofcommercialinsurancehavebeenpaidmoreandmoreattentionbythestate.UnderthedevelopmentofChina'seconomy,businessinsuranceopportunitiescanbebroughttocommercialinsurance,whichhasgreatroomfordevelopmentinthefieldofsupplementaryendowmentinsurance,supplementarymedicalinsuranceandruralinsurance.Butthereisstillalotofshortageinthecurrentsituationofcommercialinsurance.RecentlyheldinChinabeforethethirteenthmeetingpointedout:China'sinsuranceindustryshouldbebasedonanewstartingpoint,continuetopromoteindustryinnovation,bettersupporteconomicandsocialdevelopmentandmakegreatercontributiontotheserviceofnationalgovernancesystemsandgovernancecapacitymodernization.Taketheinitiativetoadapttothenewnormaleconomicdevelopmentsituationandrequirements,inordertosupplysidestructuralreform,expandtheeffectivesupplyanddemandofsocialinsuranceservicestomeetthegrowingdiversificationofinsuranceasastartingpoint,firmlyestablishandimplementtheinnovation,coo...
