我国商业保险与社会保险相融合沈阳理工大学课程实践报告（论文）摘要保险作为社会的“稳定器”，在我们的生活中发挥着日益重要的作用。社会保险与商业保险是市场经济条件下的两种风险补偿方式。两者之间的区别理论界论述得已经很充分，但两者的互补性却未能引起足够的重视。研究并注意发挥二者的互补作用，对中国市场化建设具有重要的意义：有助于加强市场经济的抗风险能力，可以扩大保险的覆盖面，有助于减轻国家的财政负担。从对社会保险与商业保险概念的不同界定中，可以概括出两者间的关系：社会保险与商业保险同属社会保障范畴，有着共同的社会目的和社会作用。但它们是性质截然不同的两种保险形式：社会保险的实质是政府与社会的关系派生出政府与劳动者的关系；商业保险的实质是企业与利益的关系派生出保险人与被保险人的关系。因此我们认为，对商业保险与社会保险互动研究的重点应该放在金融混业经营的背景下赋予该理论新的内涵。进一步拓宽其研究视角、研究思路及研究内容，更好地为构建社会主义和谐社会服务。本文主要阐述了我国商业保险与社会保险融合的背景，以及目前的发展状况及存在的问题，紧接着是对商业保险与社会保险互补性的分析，最后是对我国增强商业保险与社会保险的互补性，提出合理化建议。通过分析论证，发展商业保险，完善我国社会保障制度的可行性和必然性。关键词：商业保险；社会保险；互补性分析；i沈阳理工大学课程实践报告（论文）目录摘要················································································第1页共16页·························································i前言········································································································································11社会保险和商业保险进行融合的发展背景··································································22商业保险与社会保险存在的问题与现状······································································43商业保险与社会保险的互补关系··················································································74社会保险与商业保险协调发展合理建议····································································115商业保险与社会保险互动理论评论性总结及其发展展望········································14参考文献······························································································································15ii第2页共16页沈阳理工大学课程实践报告（论文）对社会保险和商业保险相融合的研究前言我国现行社会保障体制中，商业保险的保障作用是缺位的，或被弱化了。理论上讲商业保险是社会保险的有益补充，但实践中似乎仅是相对富裕阶层的补充。我们认为这一提法是有问题的，即使在美日等发达国家，商业保险也不仅仅是社会保险的补充，而是社会保障体系中的重要组成部分。本文将结合我国现行社会保险制度，主要针对商业保险对普通群众的保险保障作用进行分析，探索符合我国国情的社会保险与商业保险相结合的普通群众保障制...
