目 录摘 要........................................................................................................................IAbstract.....................................................................................................................II引 言.......................................................................................................................31 平安人寿沈阳分公司简介....................................................................................52 商业保险对社会保险补偿性浅析........................................................................62.1 年金险对社会养老保障的补偿性...............................................................62.2 健康险对社会医疗保障的补偿性...............................................................62.3 意外险对社会医疗保障的补偿性...............................................................93 商业保险补偿社会保险的国外经验借鉴..........................................................103.1 商业保险补偿社会保险的国内外现状.....................................................103.2 商业保险补偿社会保险的国际经验借鉴.................................................114 平安人寿沈阳分公司的保险产品设计的建议..................................................134.1 探索适合人口老龄化需求的潜力险种.....................................................134.2 优化个人税收递延型养老保险政策.........................................................144.3 规范生育保险条例,加大政府补贴扶持力度.........................................154.4 精准定位客群,建立科学的信息管理系统.............................................15结 论.....................................................................................................................16参考文献.................................................................................................................17致 谢.....................................................................................................................19...