商业养老保险现状及问题研究

Study on the Current Situation and Problems of Commercial Endowment Insurance

摘要: 随着我国进入人口老龄化社会，构建多层次养老保障体系成为社会保障制度的迫切需求，商业养老保险是养老保障体系的重要支柱之一。笔者调查研究显示，商业养老保险的发展仍处于萌芽期，还存在很多问题亟待解决。论文以实证调查研究为方法，对目前商业养老保险的现状及问题做了深入研究，并提出相应的对策建议。

Abstract: With China’s aging population society, the construction of a multi-level pension security system has become an urgent need of the social security system. Commercial endowment insurance is one of the important pillars of the pension security system. The authors’ investigations show that the development of commercial endowment insurance is still in its infancy, and there are still many problems to be solved. With the method of empirical investigation, this paper makes an in-depth study of the current situation and problems of commercial endowment insurance, and puts forward corresponding countermeasures and suggestions.