人口老龄化以及由此带来的养老问题是长期困扰许多国家的一个社会性难题，
也是我国构建社会主义和谐社会需要解决好的一个现实问题。目前我国已初步构建起包括基本养老保险、企业补充养老保险和个人储蓄及商业养老保险等层面的多支柱的养老保障体系，并且通过颁布了一系列的政策对企业年金、储蓄性养老保险的发展提供支持。但是由于一些历史、现实原因，我国企业年金的发展并不太理想，没有发挥出社保体系第二层次的关键作用，商业养老保险和社会养老保险的融合发展也没有落实到实处。面对这个现状，从中国实际出发，借鉴国外经验，把握社会养老保险、商业养老保险融合发展的方向，建立适应我国国情的多层次的社会养老保障体系，就显得格外的重要。本文的目的和意义就在于此。
本文共分为五部分:第一部分引出社会养老保险和商业养老保险融合发展的问题以及本文研究的现实意义；第二部分论述中国人口老龄化现状及由此带来的养老问题；第三部分论述保险公司参与解决养老问题的必要性和可行性；第四部分对发达国家养老保险制度进行比较并讨论我国的发展取向；第五部分对我国社会养老保险、商业养老保险融合的发展提出一些政策上的建议。
关键词: 人口老龄化 社会养老保险 商业养老保险 融合思路 社会保障体系
Abstract
The question of population aging and endowment insurance is a tough social problem which has disturbed many countries for a long time, and it is also a realistic problem which our country must overcome so that we can establish a more harmonious society. Now our country has established the three-pillars social security system, including the basic endowment insurance, enterprise supplementary endowment insurance and personal deposit endowment insurance，all of which have got great supports from the government. But through years of development, the advantage of commercial endowment insurance has not been brought into the social security system; neither the burden of the state has been effectively alleviated. In the face of the current situation, it becomes increasingly important to establish a multi-layered social security system that fits our own condition by absorbing experience abroad, analyzing factors that hinder the development of social and commercial endowment insurance and deciding the orientation of their synthesized development according to the reality of our country.
The essay consists of five sections: the first section tells us the problems of coordinated development of the social endowment insurance and commercial endowment insurance; the second section tells us the situation of population aging in China; the third section tells us the necessity and feasibility of the commercial insurance company to solve the endowment insurance problems; the fourth section introduces the experiences of US and the Holland social security system; the final section gives the suggestions of the coordinated development of our country's social endowment insurance and the commercial endowment insurance.
Keywords: The population aging, Social endowment insurance, Commercial endowment insurance, Coordinated development, Social security system
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