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目前商业养老保险市场的发展在中国仍处于初级阶段,结合我国社会养老体系建设的实践和商业养老保险发展的趋势,有必要对商业保险在养老体系中的定位进行更深入的思考。在此,笔者提出中国养老体系建设的发展战略,归纳为:坚持三支柱理论、二元制发展、一体化管理,实现全方位覆盖。
At present, the development of commercial pension insurance market is still in its infancy in China. Combining with the practice of social pension system in our country and the development of commercial pension insurance, it is necessary to think more deeply about the positioning of commercial insurance in the pension system. At this point, the author puts forward the development strategy of China’s pension system construction, summarized as: adhere to the three pillars theory, binary system development, integrated management, to achieve full coverage.