社会保障与商业保险 社会安全网尚未织就

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我国社会保障制度的基本框架,是由三大块组成,第一块是国家的经济保障体系,包括社会救济、社会福利、优抚安置、社区服务,主要由国家财政支持。另外是企事业单位的社会保障,是国家立法强制实施的养老、失业、医疗、工伤、生育和住房保障等,由国家、单位和个人出资承担,这是社会保障的主体。第三块的商业保险是按自愿原则,以盈利为本,由单位、个人出资承担,包括个人投保、企业投保和互助性保险,投保人有自主权和选择权。商业保险是社会保障的主要补充,两者互相交织起来,形成社会的一张安全网。(一)国家统计局决定,从今年起每季度进行一次全国失业情况的抽样调查,密切跟踪劳动力市场的变化。据统计,去年全国城镇失业人数为520万人,登记失业 The basic framework of China’s social security system is composed of three major components. The first one is the country’s economic security system, including social relief, social welfare, special care and rehabilitation, and community service, supported mainly by the state finance. The other is the social security of enterprises and institutions, which is the pension, unemployment, medical care, work-related injury, maternity and housing security imposed by national legislation. It is funded by the state, the units and individuals, and is the main body of social security. The third piece of commercial insurance is based on the principle of voluntariness and is based on profit. It is funded by units and individuals, including personal insurance, enterprise insurance and mutual insurance, and the policyholders have the right of autonomy and choice. Commercial insurance is the main supplement to social security, and the two are intertwined to form a safety net for society. (1) The National Bureau of Statistics decided that a sample survey of the unemployment situation in the country should be conducted quarterly from this year onwards, closely tracking the changes in the labor market. According to statistics, the number of urban unemployed persons in the country was 5.2 million last year, registering for unemployment
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