商业人身保险与社会保险的协调发展问题探讨

随着我国社会保障体系的不断改革和发展，社会保险已经成为保障劳动者的重要手段。一国社会保障制度的完善程度与其经济发展水平呈正相关关系，因受经济发展水平的制约，我国目前的社会保障制度无论是覆盖率还是保障程度都相对落后，所以我国社会保障制度的现状显然是与社会经济发展的保障需求不对称的。商业人身保险可以充分发挥其机动灵活、富于效率的特点，弥补社会保障的不足。

The Argument of Coordinated Development Issue of Commercial Insurance and Social Insurance

With the continuous reform and development of social security system in China, social insurance has become an important way to guarantee the workers. The perfect degree of the social security system in a country has a positive correlation with the level of economic development. Restricted by the level of economic development, the social security system in China is relatively backward on both the coverage and the level of protection. Thus the status quo of the system of social security is asymmetric with the guarantee need for the development of social economy. Now the commercial insurance, which has the excellences of agility and efficiency, can play an important role to make up for the shortcomings of social insurance.