健全社会保障体系加强农村基本保障陈文辉-江苏省保险行业.PDFVIP

健全社会保障体系加强农村基本保障 陈文辉 （中国保险监督管理委员会，北京 100032） ［摘要］改革开放以来，我国的社会保障体系建设取得了巨大的进步，但社会保障体系 框架不完善，功能没有得到充分发挥；社会保障体系公平性不足，难以承担起服务民生的重 任；基本养老保险可持续性不强，形成财政的潜在包袱；社会保障体系运行效率不高，难以 充分调动政府和市场两个方面的积极性。当前，和谐社会的建设对社会保障体系提出新要求， 人口发展使社会保障体系面临新的环境，经济社会结构的变化对养老保障体系建设提出新挑 战。必须明确多层次、多支柱模式，调动全社会力量共建社会保障体系；完善基本养老制度， 优化运行效率；发展企业补充养老保险、个人储蓄性养老保险、补充医疗保险和商业健康保 险，使社会保障体系各支柱的发展趋于合理；采取有力措施切实加强对农民的基本养老保障。 ［关键词］社会保障；商业保险；养老保险；和谐社会 ［中图分类号］ F840．6 ［文献标识码］ A ［文章编号］1004-3306（2007）07-0003-04 Abstract： China’s social security system has been improved significantly ever since the adoption of the reform and open 　up policy. However, the framework of the system remained to be completed and its role to be further displayed. The equality of the social security system is inadequate, making it unable to uptake the role of improving livelihood for all. Moreover, the basic social provision is far from being sustainable, leaving a potential fiscal burden going forward. The lack of operational efficiency of the system makes it difficult to mobilize both the government and the market. Currently, the construction of a harmonious society has put forth a new requirement on the social security system, population evolution has changed its external environment and socio　economic structural migration is posing new challenges to it. We must specifically adopt a multi 　tiered, multi 　polar model and mobilize the whole society to create a suitable social security system; We should also improve on the basic social pension system and enhance the operational efficiency of this system, while employing supplementary pension insurance, individual pension insurance; complementary medical insurance and commercial health insurance to make the multi 　 polar social security system work effe