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没有发达的商业保险,社会保障体系就是不健全、不稳固的。社会保险和商业寿险同属社会保障体系的范畴,都是以人的生命和身体为保险标的,但是由于它们的性质不同,因而决定了它们在社会保障体系中的地位和作用也不尽一致。社会保险是基础,而商业保险是重要组成部分,两者优势互补,缺一不可。社会保险只能控制在最低生活标准上,而随着社会经济的发展,社会成员的生活水平的提高,商业人寿保险的保障比重将会逐步提高。社会保障单靠国家包
Without developed commercial insurance, the social security system is unsound and unstable. Both social insurance and commercial life insurance belong to the category of social security system. They are all insured by human life and body. However, due to their different nature, social insurance and commercial life insurance determine their status and role in the social security system are not the same. Social insurance is the foundation, while commercial insurance is an important part. The two have complementary advantages and are indispensable. Social insurance can only be controlled at the minimum standard of living. With the development of society and economy and the improvement of living standards of social members, the proportion of the guarantee for commercial life insurance will gradually increase. Social security relies solely on national packages