贵州财经大学商务学院本科生毕业论文（设计）I贵州财经大学商务学院本科生毕业论文（设计）商业养老保险对完善养老体系的作用研究摘要:随着我国经济的高速发展与社会进步，老年人的数量越来越多，人口老龄化呈现出持续加剧的状态。当前养老的主要矛盾是供需之间的矛盾。其中，养老问题将是我国和家庭所面临的社会问题中最严重的一个。基本养老保险制度已经面临众多的压力，如养老资金储备不充足，养老基金升值空间不足，保值也具有一定的压力。所以，为了弥补基本养老保险制度的不足，国家推出了商业养老保险，通过这个保险来改善养老问题。商业养老保险可以为人们提供优质的生活保障，缓解社会的养老压力，发展商业养老保险十分重要，它是对基本养老保险制度作用的不完善进行了补充，是一个极具价值且有意义的课题。本文以商业养老保险对完善养老体系的作用为研究方向，首先阐述了商业养老保险的相关理论知识，阐述了商业养老保险的概念及发展的过程，实施的重要意义。随后阐述了商业养老保险对改善我国养老问题、构建养老体系的作用，主要体现在完善我国多层次养老保险体系、缓解农村养老问题、提升养老保险制度运行效率等方面，然后针对当前我国商业养老保险发展存在的问题，从政府、保险行业两大方面提出了有效的解决对策，最后总结全文。关键词：商业养老保险；养老体系；老龄化StudyontheRoleofCommercialPensionInsuranceinPerfectingthePensionSystemII贵州财经大学商务学院本科毕业论文（设计）Abstract:Withtherapideconomicdevelopmentandsocialprogressinourcountry,thecontradictionbetweensupplyanddemandofpensionfortheagedisgraduallyexpandingunderthebackgroundofpopulationaging.Inthefuture,theissueofprovidingfortheagedwillbecomeoneofthelargestsocialproblemsinourcountry.AsthefirstpillarofChina'spensioninsurancesystem,thebasicpensioninsurancesystemhasemerged,suchaspensionfundsinsufficientpensionfundsvalue-addedsecurityandotherissues.So,whetheritispossibletodevelopcommercialendowmentinsurancetoeasethecrisisofendowment,andhowtodisplaythesupplementeffectofcommercialendowmentinsurancetothebasicendowmentinsurancesystemisaverysignificantresearchtopicbasedonthecurrentexistingendowmentinsurance.Inthispaper,thecommercialpensioninsurancetoimprovetheroleofthepensionsystemforthestudy,firstofall,elaboratedthetheoreticalknowledgeofcommercialpensioninsurance,andfortheconceptandthedevelopmentofcommercialpensioninsurance,thispaperexpounded,andthenecessityofitsimplementation.Thenitexplorestheeffectofcommercialpensioninsuranceontheimprovementofthepensionsystem,whichismainlyreflectedinimprovingthemulti-levelpensioninsurancesysteminourcountry,alleviatingtheproblemofpensioninruralareasandimprovingtheefficiencyofthepensioninsurancesystem.Then,inviewoftheproblemsofthecurrentdevelopmentofChina'scommercialendowmentinsurance,Fromthegovernment,theinsuranceindustryproposedtwoeffectivesolutions,thefinalsummaryofthefulltext.Keywords:commercialpensioninsurance;pensionsystem;aging目录前言..............................................................11商业养老保险的概述...............................................2III贵州财经大学商务学院本科毕业论文（设计）1.1商业养老保险的概念.........................................21.2商业养老保险的发展历程.....................................21.3发展商业养老保险的必要性...................................32商业养老保险对完善养老体系的作用.................................52.1完善我国多层次养老保险体系.................................52.2缓解农村养老问题...........................................52.3提升养老保险制度运行效率...................................53商业养老保险在...