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一、社会保险离不开商业保险的补充 中国是一个拥有12亿人口的大国。保障好12亿人的基本生活,事关国家的长治久安和经济建设的顺利进行。基本生活保障中,养老、失业、医疗保障是最为突出的难题。理由如下: 1.中国人口基数大,老龄化速度快。1985年,全国60岁以上的人口占7.6％,1995年达到8.9％,预计到2000年将达到9.8％,接近10％的老龄化社会标准。过去14年,全国退休工人每年增长29％,到2030年,全国将有1.5亿名退休者。如此快速增长的老年人队伍,形成冲击社会生活的“白发浪潮”,其冲击波已波及到各行各业及社会的每个角落。
First, social insurance can not do without the supplement of commercial insurance China is a large country with 1.2 billion people. Safeguarding the basic livelihood of 1.2 billion people is a matter of the smooth progress of the country’s long-term peace and stability and its economic construction. Among the basic living allowances, pension, unemployment and medical security are the most prominent problems. The reasons are as follows: 1. China has a large population base and a fast aging population. In 1985, the population of people over the age of 60 accounted for 7.6% in the country, 8.9% in 1995 and is expected to reach 9.8% in 2000, approaching 10% of the aging social standards. In the past 14 years, the number of retired workers nationwide has risen by 29% each year and by 2030 there will be 150 million retirees throughout the country. Such a rapidly growing elder team has formed a “white hair wave” that has hit social life and its shock wave has spread to every corner of all walks of life and society.