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当前我国农村正面临着日益严峻的社会保障缺失问题,商业保险作为整个农村社会保障制度的有机组成部分,应当发挥其应有作用。根据制度经济学分析,商业保险参与构建农村社会保障体系区分为两类不同的制度安排,即直接参与式和间接参与式。按照政府与商业保险在农村社会保障制度安排中各自的职能和责任,商业保险公司可以有四种介入方式与模式作为选择,即商业保险独立经营模式、商业保险委托代办模式、政府主导的商业团体保险合同模式和政府与商业保险合作管理模式。四种模式各有利弊,应考虑各地的具体情况,因地制宜,根据有关政策法规加以探索。
At present, China’s rural areas are facing the increasingly serious problem of lack of social security. Commercial insurance, as an integral part of the entire rural social security system, should play its due role. According to the analysis of institutional economics, commercial insurance to participate in the construction of rural social security system is divided into two types of different institutional arrangements, namely direct participation and indirect participation. In accordance with the respective functions and responsibilities of government and commercial insurance in rural social security system arrangements, commercial insurance companies can choose from four modes and modes of intervention: commercial insurance independent management, commercial insurance commissioned agency, government-led commercial groups Insurance contract model and government and commercial insurance cooperation management mode. Each of the four modes has its advantages and disadvantages, and should take into account the specific circumstances of each region and explore ways and measures to local conditions in accordance with the relevant policies and regulations.