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我国经济在持续快速发展中出现流动性过剩,国家采取了包括加息、发行特别国债在内的一系列宏观调控政策。但是这些方法也使我们面临较大的风险。在这种形势下,大力发展保险业对于消除流动性过剩的深层次原因——消费疲软,促进金融业的稳健发展,应对未来多种风险,进而对构建我国社会主义和谐社会具有多种功效。应通过立法进一步建立健全社会保障体系,确定与社会经济发展水平相适应的社会保障标准、项目和商业保险的经营地位、范围等,促使社会保险与商业保险两者协调发展,为构建和谐社会作出更大的贡献。
China’s economy appears excess liquidity in the sustained and rapid development. The government has adopted a series of macro-control policies including raising interest rates and issuing special treasury bonds. But these methods also put us at greater risk. Under such circumstances, it is imperative to vigorously develop the insurance industry to eliminate the deep-seated reasons for the excess liquidity - weak consumption, steady development of the financial industry, various risks in the future, and various functions for building a harmonious socialist society in our country. The legislation should further establish and perfect the social security system and determine the social security standards, projects and the business status and scope of commercial insurance in line with the social and economic development level so as to promote the coordinated development of both social insurance and commercial insurance so as to build a harmonious society Greater contribution.