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随着我国经济体制改革的深入、市场经济体制的建立,社会保障体系中的社会保险已成为人们的热门话题.而社会保险的结构模式,如何发挥商业保险公司在社会保险工作中的地位和作用等问题,已成为了议论的焦点.本文就此谈点肤浅看法,目的在于正确认识适合我国国情的社会保险的内在结构,发挥商业保险公司的作用以致力于我国的社会保险事业的建立和完善.一、社会保险层次结构的提出1、社会保险存在多层结构.关于社会保险的定义,众说纷纭.但有一个共同点,即:社会保险是指国家通过立法形式保障劳动者因年老、疾病、丧失劳动能力等时获
With the deepening of China’s economic system reform and the establishment of a market economy system, social insurance in the social security system has become a hot topic for people, and how the structural pattern of social insurance can give full play to the status and role of commercial insurance companies in social insurance work And other issues, has become the focus of discussion.This article on the point of superficial view, aimed at a correct understanding of the inherent structure of social insurance suited to China’s national conditions, to play a commercial insurance company’s role in China’s social insurance business to establish and improve. First, the proposed structure of social insurance hierarchy 1, the existence of multi-layered social insurance structure on the definition of social insurance, different opinions, but one thing in common, namely: social insurance refers to the form of legislation through legislation to protect workers due to age, disease, Loss of ability to work, etc.