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Researchontheproblemsandsolutionsinthedevelopmentofcommercialinsurance[Abstract]Withthecontinuousdevelopmentofsocialinsurancereform,thesocialsecuritysystemandtheoveralldevelopmentofcommercialinsurancehavebeenpaidmoreandmoreattentionbythestate.UnderthedevelopmentofChina'seconomy,businessinsuranceopportunitiescanbebroughttocommercialinsurance,whichhasgreatroomfordevelopmentinthefieldofsupplementaryendowmentinsurance,supplementarymedicalinsuranceandruralinsurance.Butthereisstillalotofshortageinthecurrentsituationofcommercialinsurance.RecentlyheldinChinabeforethethirteenthmeetingpointedout:China'sinsuranceindustryshouldbebasedonanewstartingpoint,continuetopromoteindustryinnovation,bettersupporteconomicandsocialdevelopmentandmakegreatercontributiontotheserviceofnationalgovernancesystemsandgovernancecapacitymodernization.Taketheinitiativetoadapttothenewnormaleconomicdevelopmentsituationandrequirements,inordertosupplysidestructuralreform,expandtheeffectivesupplyanddemandofsocialinsuranceservicestomeetthegrowingdiversificationofinsuranceasastartingpoint,firmlyestablishandimplementtheinnovation,coordination,green,openandsharedtheideaofdevelopment,improvethequalityandefficiencyofconstructionmarketcompetitive,creativeandvibrantmoderninsuranceservices.Thisshowsthatinsuranceawarenesshasrisentonationalconsciousness.ThedevelopmentofcommercialinsuranceinChinahasgreatlyimproved.Intheprocessofexertingitsusevalue,itobjectivelymaintainedsocialstabilityandplayedagoodroleinsocialsecurity.[Keywords]socialsecuritysystem;commercialinsurance;developmentstatus目录一、引言.....................................................1二、商业保险的概述...........................................1（一）商业保险的基本内容.....................................1（二）我国商业保险的发展历程.................................2三、商业保险的发展现况.......................................3（一）商业保险和社会保险的基本矛盾研究.......................3（二）我国商业保险公司监管的法律制度研究.....................4四、商业保险面临的发展问题...................................5（一）市场缺陷问题...........................................5（二）保险营销险种问题.......................................6（三）保险的市场监管问题.....................................7五、商业保险应对的发展对策及解决途径.........................8（一）商业保险和社会保险融合共赢，促进发展....................8（二）稳步提升商业保险专业化水平.............................9（...
