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社会保险与商业保险本是同根萌生,具有共同的基础和互通的原理,这一渊源要求主管社会保险的社保行政,在履行行政职能时,应当注重保险的规律和原理,将社会性和保险性结合在一起。由于商业保险早于社会保险发达,分析、研究社保行政的保险性质,有利于借鉴商业保险的成功经验和成熟技术,更好地发展社会保险事业,充分发挥其御险防贫的重要作用,使之成为和谐社会的重要支柱。
This principle of social insurance and commercial insurance is the same root and has the same basis and intercommunication. This source requires that the social insurance administration in charge of social insurance should pay attention to the rules and principles of insurance in the performance of administrative functions, and make social and insurance combine together. Because commercial insurance is developed earlier than social insurance, it is helpful to learn from the successful experience and mature technology of commercial insurance, to better develop social insurance and give full play to its important role in preventing poverty. It becomes an important pillar of a harmonious society.