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1Research 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....
