中(zhong)國社(she)科(ke)院世(shi)界社(she)保(bao)(bao)(bao)研究中(zhong)心(xin)主任鄭秉文(wen)24日在中(zhong)國養老(lao)與健康保(bao)(bao)(bao)險50人論壇暨《中(zhong)國養老(lao)金發(fa)展報告2017》發(fa)布式上表示,商保(bao)(bao)(bao)和社(she)保(bao)(bao)(bao)相(xiang)結合是(shi)構(gou)建(jian)多(duo)層(ceng)次(ci)社(she)會保(bao)(bao)(bao)障(zhang)體系的重要環(huan)節。
十(shi)九大報告(gao)指(zhi)出,按照兜底線(xian)、織密網、建(jian)機制的要(yao)求,全面(mian)建(jian)成覆蓋全民、城(cheng)鄉統籌、權責清晰、保(bao)(bao)障(zhang)適(shi)度、可持(chi)續的社會保(bao)(bao)障(zhang)體系(xi)。鄭秉文認(ren)為,該重(zhong)要(yao)論(lun)述為建(jian)立中國養(yang)老與健(jian)康保(bao)(bao)險50人論(lun)壇指(zhi)明了方向。“兜底線(xian)”是(shi)指(zhi)社保(bao)(bao)的定位,“織密網”少不了商保(bao)(bao)參與,“建(jian)機制”指(zhi)的是(shi)社保(bao)(bao)與商保(bao)(bao)之間(jian)建(jian)立起互動機制,建(jian)立起覆蓋商保(bao)(bao)和社保(bao)(bao)的頂(ding)層設計,“多層次”是(shi)指(zhi)商保(bao)(bao)參與整個社保(bao)(bao)體系(xi)的必然(ran)趨勢和必然(ran)要(yao)求。
鄭秉文表示,在(zai)改(gai)善民生(sheng)上保(bao)險(xian)(xian)回歸(gui)本源,應(ying)該包括(kuo)(kuo)大力發展養(yang)老保(bao)險(xian)(xian)和健(jian)(jian)康(kang)保(bao)險(xian)(xian)。全(quan)國金融(rong)工作會(hui)議重申了金融(rong)的天職,就(jiu)是服務實體經(jing)濟(ji)。對保(bao)險(xian)(xian)而言,如果(guo)說經(jing)濟(ji)領(ling)(ling)域(yu)(yu)保(bao)險(xian)(xian)服務實體經(jing)濟(ji)的本源是防(fang)止觸(chu)動流動性風(feng)險(xian)(xian)和信用風(feng)險(xian)(xian)等,那么在(zai)民生(sheng)領(ling)(ling)域(yu)(yu)保(bao)險(xian)(xian)服務社會(hui)大眾的重要領(ling)(ling)域(yu)(yu),必(bi)(bi)然(ran)包括(kuo)(kuo)養(yang)老和健(jian)(jian)康(kang)。在(zai)十九大報告提出(chu)平安中(zhong)(zhong)(zhong)國和健(jian)(jian)康(kang)中(zhong)(zhong)(zhong)國,在(zai)平安中(zhong)(zhong)(zhong)國這個(ge)(ge)概念中(zhong)(zhong)(zhong)必(bi)(bi)然(ran)包括(kuo)(kuo)養(yang)老,在(zai)健(jian)(jian)康(kang)中(zhong)(zhong)(zhong)國這個(ge)(ge)戰略中(zhong)(zhong)(zhong)必(bi)(bi)然(ran)包括(kuo)(kuo)商保(bao)的健(jian)(jian)康(kang)保(bao)險(xian)(xian)。