中国社保现状严峻社会保障覆盖面窄,社会化程度低,社会保障的水平不高,财政支出中用于社会保障的投入不够,不能有效解决农村社会保障问题,而商业保险的发展能更好地弥补国家宏观调控的不足,能更好地解决农村社会保障问题,促进国民经济的快速增长。 Severe Social Security Status in China Social security coverage is too narrow, the level of socialization is low, the level of social security is not high, and the expenditure on social security in fiscal expenditure is not enough to solve the problem of social security in rural areas, and the development of commercial insurance can better make up The lack of national macro-control can better solve the problem of social security in rural areas and promote the rapid growth of the national economy.