我国社保保险与商业保险的联系

内容摘要

经历40多年的改革开放，我国经济实现从飞跃发展到平稳增长的持续势头，社会保险体系也不断完善而在稳定社会发展中起到基础作用，商业保险经历过重要起伏阶段后也不断更新与调整进而取得一定的市场地位与行业规模，社会保险与商业保险两者的发展是社会前进的稳定器和推进器。在发展过程中，社会保险与商业保险两者各守其职又紧密联系和相互促进，共同营造社会环境的和谐稳定。 

 [关键词]：社会保险；商业保险；区别；发展；联系。

目       录

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题目、中文摘要和关键词····································································1

一、社会保险和商业保险的概念及历史渊源············································3

（一）社保保险的概率及历史渊源························································3

（二）商业保险的概率及历史渊源························································3

二、社会保险和商业保险的主要区别·····················································4

（一）两者的性质不同·······································································4

（二）两者的保险对象不同·································································4

（三）两者的保障水平和立法范畴不同··················································4

（四）两者的权利与义务对等关系不同··················································4

（五）两者的管理体制不同·································································4

三、社会保险和商业保险的联系···························································4

（一）从养老保险角度·······································································4

（二）从医疗保险角度·······································································4

（三）从工伤保险角度·······································································5

四、社会保险和商业保险的发展规划·····················································5

（一）社会保险的发展规划·································································5

（二）商业保险的发展规划·································································7

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