我国的经济体制改革,从根本上说是一个制度创新的过程。要发展社会主义市场经济,就必须建立与之相适应的具有中国特色的社会化商业保险保障体系,以全面推动经济振兴和社会进步。近年来,我国的社会保障制度虽然几经改进,但仍然没有突破50年代的保障体系,并随着时间的推移和改革的深化,其弊端逐渐显露出来。突出表现在: 一是保障内容具有明显的滞后性。我国的社会保障体系是在高度计划经济体制下逐步形成的,在内容的确定上不可能考虑到现阶段出现的诸如企业破产、劳动用工制度改革、农村联产 The reform of our country’s economic structure is fundamentally a process of system innovation. To develop the socialist market economy, we must establish a social security insurance system with Chinese characteristics that adapts to it so as to comprehensively promote economic revitalization and social progress. In recent years, although the social security system in our country has been improved several times, it still fails to break through the security system in the 1950s. With the passage of time and the deepening of the reform, the disadvantages have gradually emerged. Prominent in: First, the protection of the content has obvious lag. China’s social security system is gradually formed under the highly planned economic system. It is impossible to determine the contents of the content such as corporate bankruptcy, labor and employment system reform, rural co-production