Restatement of the Historical Origin and Development of Social Insurance and Commercial Insurance——Examination Based on Legal Texts
In the context of building a multi-tiered social security system,the relationship between social insurance and commer-cial insurance has shifted from competition to cooperation.From a historical perspective,their separation and convergence are con-stantly influenced by policies and laws.Before the emergence of modem insurance,mutual aid,cargo mortgage loans and general average gave birth to insurance thoughts such as mutual assistance,risk transfer,and risk sharing.With the advent of modern in-surance,insurance has been commercialized and socialized under different value orientations of profit-making and relief.The legis-lation of social insurance marks the historical division of social insurance and commercial insurance.Under the independent devel-opment model,social insurance has faced problems of heavy fiscal burden and low management efficiency,and the scope and level of protection cannot be effectively improved.Therefore,it has begun to seek cooperation with commercial insurance.Within the framework of the social security system,there are two new development directions:privatization reform of social insurance and commercial insurance's participation in the social security system,indicating the trend of gradual convergence of social insurance and commercial insurance.The evolution of the relationship between the two offers the insight that,on the basis of the characteris-tics of China's huge population,we should try to establish a sound multi-tiered social security system through cooperation between social insurance and commercial insurance.
history of social insuranceinsurance historythe convergence of social insurance and commercial insurancesocial security system
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