经过了多年的发展,我国的保险业也有了长足的发展与进步,然而我国的保险市场乃至社会保险市场仍然不够成熟,并暴露出诸多问题,从某些侧面体现出中国社保体制的弊端。如果不从根本上加以解决,势必将影响到我国的整体社会保险水平,甚至会对社会的稳定与进步产生不利影响。 After years of development, China’s insurance industry has also made great strides in development and progress. However, the insurance market in our country and even the social insurance market are still not mature enough, exposing many problems and demonstrating the drawbacks of China’s social security system from some aspects. If we do not solve it fundamentally, it will inevitably affect the overall level of social insurance in our country and may even adversely affect social stability and progress.