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摘要商业养老保险自出台至今一直反响平平，在国家政策的大力鼓励下发展也一直不温不火，未能发挥出其应有的作用。而今一线城市保险市场又趋于饱和，发展竞争到了一个瓶颈期，二三线城市的崛起无疑给商业养老保险提供了一个发展的新平台，人口老龄化比重的上升等因素均决定了在此发展商业养老险的巨大空间。在二三线城市发展商业养老保险有其特殊重要性和必要性，但二三线城市商业养老保险发展中尚存在优惠政策缺失、消费者偏见等诸多问题，本文在分析二三线城市商业养老保险现状的基础上，提出了加大宣传力度；结合城市实情创新发展商业养老保险；保险公司加强自身内部改革；政府给予相应的政策支持的建议。勾画出在二三线城市发展商业养老保险的美好前景。45834
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毕业论文关键词：商业养老保险；二三线城市；人口老龄化；发展前景
Abstract
Since the government introduced the commercial endowment insurance, it always underwhelming. In spite of the encouragement of national policy, its development still tepid that unable to play its proper and important role. Now first-tier cities tend to saturation of insurance market, the development of competition came into a bottleneck period. There is no doubt that the rise of second and third tier cities will give the development of commercial endowment insurance provides a new platform. The aging of the population increase and many other factors are decided to the development of commercial endowment insurance will have a huge space. Not only that, in the second and third tier cities develop commercial endowment insurance has its special importance and necessity. But because the insurance industry which in second and third tier cities now still has a lot of insufficient place ,such lack of preferential policies, Consumer prejudice etc. Based on the analysis of two or three line city commercial endowment insurance status quo, the article put forward four suggestions like give the the corresponding policy support; Combined with city the truth innovation and development of commercial endowment insurance; strengthen the internal reform of the insurance company; The government give corresponding policy suggestion. Outlined in the second and third tier cities development prospect of commercial endowment insurance.
Key words： Commercial endowment insurance；second and third tier cities；Aging of population；Development
目录
摘 要I
ABSTRACTII
一、引言1
二、发展二三线城市商业养老保险的重要性和必要性2（一）有利于缓解二三线城市老龄化带来的压力2
（二）有利于完善二三线城市的社会保障体系2
（三）有利于寿险行业的均衡发展3
三、二三线城市商业养老保险发展现状4
（一）居民保险意识有所增强4
（二）商业养老保险保费收入大幅增加4
（三）老年人比重不断上升为养老险发展带来契机6
四、二三线城市商业养老保险发展存在的问题8
（一）消费者方面8
（二）保险公司方面9
（三）地方政府方面10
五、发展二三线城市商业养老保险的对策10
（一）各方加大宣传力度10
（二）结合城市实情，积极创新险种11
（三）保险公司加强自身内部改革11
（四）政府给予相应的政策支持12
六、二三线城市商业养老保险发展的前景展望13
注 释15
参考文献15
致 谢16
二三城市商业养老保险的现状及发展前景
一、引言
商业养老保险是区别于社会养老保险而言的，是以人的生命或身体为保险对象，在被保险人缴纳一定年限的保险费后，便可在退休时或指定的年龄开始持续并定期领取养老金的一种保险，它作为社会养老保险的补充，在一定程度上可以起到强制储蓄的作用，也有利于在保障退休后基本生活的基础上，进一步提高生活的品质。