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民生保险是用来解决民生问题的方式之一,当前我国民生保险有以政策及立法推动投保方自己出资、各级政府提供财政补贴发展、保费由政府全额出资三种类型。在民生保险运行中,政府没有理性的角色定位、权责界定不清,政府从自身利益出发有选择的提供民生保险造成供给不均等引发民众对政府信任危机,民生保险承接主体保险公司运行缺乏制度化、规范化等,这些问题导致政府治理能力无法提升,束缚了民生保险发展。政府应该以掌舵和服务为理念来搭建民生保险服务平台,以合法的强权来建立民生保险法律体系,以效率为标准建立民生保险绩效考核体系,完善政府在民生保险中的组织管理职能,明确政府“进”“退”的区间。
Minsheng Insurance is one of the ways to solve people’s livelihood problems. At present, China’s Minsheng Insurance has its own policy to promote the policyholders and their own investors. All levels of government provide financial subsidies for development. Premiums are fully funded by the government in three types. In the operation of Minsheng Insurance, the government has no rational role orientation, unclear definition of power and responsibility, and the government provides the Minsheng Insurance from its own interests to provide unequal supply of non-governmental insurance, causing public confidence crisis on the government. Minsheng Insurance undertakes the lack of system for the operation of the main insurance company Standardization and so on. All of these problems have led to the inability of the government to improve its governance capacity and have shackled the development of people’s livelihood insurance. The government should set up Minsheng Insurance Service Platform based on the concept of helm and service, set up the legal system of life insurance with lawful power, set up Minsheng Insurance performance appraisal system with efficiency as standard, perfect the government’s organization and management function in Minsheng Insurance, and make it clear that the government “Into ” “back ” range.