導語：居民商業養(yang)老保險購買(mai)力影響因素探(tan)析一文來源于(yu)網(wang)友上傳，不代表本站觀點，若需(xu)要原(yuan)創文章可咨(zi)詢客服(fu)老師，歡迎參(can)考(kao)。

［提要］2019年是中國逐漸步入老齡化社會20周年。從當前形勢看，我國老年人的養老需求在社會保障體系中無法得到滿足，使退休及養老人群對老年保險需求形成一個巨大的市場。本文針對南平市老年人口養老現狀，結合商業養老保險所處的市場環境，對主要影響居民購買養(yang)老保險(xian)的因(yin)素進行分析。

關鍵詞：養老保障；老齡化；商業養老保險

一、引言

目前，我(wo)國人(ren)(ren)(ren)口(kou)老(lao)(lao)(lao)(lao)齡化程度日趨(qu)加重(zhong)(zhong)，60歲的(de)人(ren)(ren)(ren)口(kou)在(zai)2018年截至時達(da)到了2.15億人(ren)(ren)(ren)，而這一(yi)(yi)數字相當于(yu)同期人(ren)(ren)(ren)口(kou)的(de)11.39%。在(zai)同一(yi)(yi)時間水平上(shang)(shang)，達(da)到老(lao)(lao)(lao)(lao)齡化的(de)人(ren)(ren)(ren)口(kou)趨(qu)勢與日俱(ju)增(zeng)(zeng)(zeng)，并(bing)且(qie)存在(zai)著未富先(xian)老(lao)(lao)(lao)(lao)的(de)問(wen)(wen)題(ti)。在(zai)我(wo)國建立三(san)種養(yang)老(lao)(lao)(lao)(lao)保(bao)險制度的(de)條件下(xia)，基(ji)本(ben)社會養(yang)老(lao)(lao)(lao)(lao)保(bao)險面(mian)臨的(de)重(zhong)(zhong)大問(wen)(wen)題(ti)主要集(ji)中于(yu)資金(jin)短缺方(fang)(fang)面(mian)。企業退休金(jin)面(mian)臨著很(hen)(hen)多現實(shi)的(de)因素，覆蓋區(qu)域也(ye)嚴(yan)重(zhong)(zhong)不足，所(suo)以，作(zuo)為(wei)第三(san)支柱的(de)商業養(yang)老(lao)(lao)(lao)(lao)保(bao)險將是社保(bao)的(de)一(yi)(yi)個強有力(li)的(de)后盾，不僅在(zai)居民養(yang)老(lao)(lao)(lao)(lao)水平方(fang)(fang)面(mian)提供保(bao)障，并(bing)且(qie)在(zai)緩解社會養(yang)老(lao)(lao)(lao)(lao)壓力(li)方(fang)(fang)面(mian)發揮著不可(ke)或缺的(de)作(zuo)用(yong)。近5年，南平市基(ji)本(ben)養(yang)老(lao)(lao)(lao)(lao)保(bao)險參(can)保(bao)人(ren)(ren)(ren)數達(da)到平均年增(zeng)(zeng)(zeng)長3.88%，與此同時，退休人(ren)(ren)(ren)員實(shi)現4.15%的(de)年均增(zeng)(zeng)(zeng)長率(lv)，基(ji)金(jin)比上(shang)(shang)一(yi)(yi)年的(de)收益率(lv)增(zeng)(zeng)(zeng)加9.93%，基(ji)金(jin)的(de)年平均增(zeng)(zeng)(zeng)長率(lv)是11.76%。盡管年收入和支出(chu)增(zeng)(zeng)(zeng)長的(de)模式令人(ren)(ren)(ren)矚目，參(can)與人(ren)(ren)(ren)數穩(wen)步(bu)上(shang)(shang)升，基(ji)金(jin)收入也(ye)逐年增(zeng)(zeng)(zeng)加，但要趕上(shang)(shang)快速增(zeng)(zeng)(zeng)長的(de)基(ji)金(jin)并(bing)非易(yi)事，仍存在(zai)很(hen)(hen)多無法忽視(shi)的(de)問(wen)(wen)題(ti)。

二、養老保險行(xing)業(ye)概述

（一(yi)(yi)(yi)）養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)定(ding)義。商(shang)(shang)(shang)業(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)以(yi)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)為(wei)主(zhu)要目的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)長(chang)期的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，也(ye)稱作年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。這(zhe)是(shi)(shi)(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特(te)殊形式(shi)(shi)，是(shi)(shi)(shi)社(she)(she)(she)(she)(she)會(hui)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)補充。如果繳納特(te)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)費，商(shang)(shang)(shang)業(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)可以(yi)從特(te)定(ding)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)開始領(ling)取(qu)(qu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)。這(zhe)樣(yang)，退休后(hou)(hou)被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)收入(ru)就會(hui)減少，但依靠養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)可以(yi)維持退休前生(sheng)(sheng)(sheng)活(huo)(huo)(huo)水平(ping)(ping)。（二）養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)行(xing)業(ye)(ye)(ye)模式(shi)(shi)分析(xi)(xi)。盡管(guan)(guan)今天的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)口(kou)平(ping)(ping)均收入(ru)比改革開放(fang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)高(gao)(gao)得(de)(de)多(duo)(duo)(duo)，但隨著(zhu)人(ren)(ren)(ren)(ren)(ren)(ren)口(kou)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)齡(ling)化逐(zhu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)加(jia)(jia)(jia)速(su)，在(zai)(zai)(zai)(zai)大(da)(da)(da)規(gui)模人(ren)(ren)(ren)(ren)(ren)(ren)口(kou)基(ji)礎上獲得(de)(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優勢(shi)將(jiang)(jiang)(jiang)會(hui)消失，對(dui)退休金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)求(qiu)已經(jing)變得(de)(de)越來(lai)(lai)(lai)越明(ming)(ming)顯。到(dao)(dao)(dao)2018年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)底，中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)支持率將(jiang)(jiang)(jiang)為(wei)17%，到(dao)(dao)(dao)2050年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)將(jiang)(jiang)(jiang)達到(dao)(dao)(dao)27.9%。醫療技(ji)術并沒有得(de)(de)到(dao)(dao)(dao)很大(da)(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提(ti)高(gao)(gao)，出(chu)生(sheng)(sheng)(sheng)率逐(zhu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)下(xia)(xia)降，老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)未(wei)來(lai)(lai)(lai)也(ye)經(jing)歷著(zhu)考驗。我(wo)們(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)退休產業(ye)(ye)(ye)相對(dui)滯后(hou)(hou)，久而(er)久之(zhi)，老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)平(ping)(ping)均壽(shou)命變短，青年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)負擔也(ye)加(jia)(jia)(jia)重(zhong)。養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)產業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展可以(yi)說是(shi)(shi)(shi)改善居(ju)民(min)幸(xing)福指數(shu)所必需(xu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)課題(ti)。中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)模式(shi)(shi)主(zhu)要有以(yi)下(xia)(xia)三(san)(san)種(zhong)：1、家(jia)(jia)庭(ting)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)：家(jia)(jia)庭(ting)對(dui)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)撫養(yang)(yang)(yang)(yang)(yang)(yang)(yang)是(shi)(shi)(shi)我(wo)國(guo)(guo)大(da)(da)(da)多(duo)(duo)(duo)數(shu)人(ren)(ren)(ren)(ren)(ren)(ren)選擇的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)傳統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方式(shi)(shi)之(zhi)一(yi)(yi)(yi)。但是(shi)(shi)(shi)現(xian)在(zai)(zai)(zai)(zai)，作為(wei)獨(du)生(sheng)(sheng)(sheng)子，夫妻(qi)在(zai)(zai)(zai)(zai)撫養(yang)(yang)(yang)(yang)(yang)(yang)(yang)一(yi)(yi)(yi)個(ge)(ge)孩(hai)子和(he)(he)(he)四個(ge)(ge)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)父(fu)母的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情況(kuang)下(xia)(xia)壓(ya)力(li)越來(lai)(lai)(lai)越大(da)(da)(da)。因(yin)此(ci)，為(wei)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)提(ti)供家(jia)(jia)庭(ting)撫養(yang)(yang)(yang)(yang)(yang)(yang)(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可行(xing)性越來(lai)(lai)(lai)越小。2、機(ji)(ji)(ji)構(gou)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)：顧(gu)名(ming)思義，養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)機(ji)(ji)(ji)構(gou)是(shi)(shi)(shi)指由政(zheng)(zheng)府(fu)或(huo)(huo)私人(ren)(ren)(ren)(ren)(ren)(ren)設立的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)機(ji)(ji)(ji)構(gou)，即養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)院，為(wei)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)人(ren)(ren)(ren)(ren)(ren)(ren)提(ti)供的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)全額養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障。但大(da)(da)(da)多(duo)(duo)(duo)數(shu)人(ren)(ren)(ren)(ren)(ren)(ren)，無(wu)論(lun)是(shi)(shi)(shi)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)人(ren)(ren)(ren)(ren)(ren)(ren)還(huan)(huan)是(shi)(shi)(shi)他(ta)(ta)們(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)孩(hai)子，都喜歡住(zhu)在(zai)(zai)(zai)(zai)一(yi)(yi)(yi)起，對(dui)機(ji)(ji)(ji)構(gou)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)不感(gan)(gan)興趣。3、居(ju)家(jia)(jia)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)：居(ju)家(jia)(jia)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)是(shi)(shi)(shi)我(wo)國(guo)(guo)人(ren)(ren)(ren)(ren)(ren)(ren)民(min)將(jiang)(jiang)(jiang)家(jia)(jia)庭(ting)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)和(he)(he)(he)機(ji)(ji)(ji)構(gou)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)很好(hao)地(di)結合起來(lai)(lai)(lai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)(yi)種(zhong)相對(dui)合適的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方式(shi)(shi)，通(tong)常他(ta)(ta)們(men)(men)運(yun)用(yong)自(zi)(zi)(zi)己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)，自(zi)(zi)(zi)己(ji)獨(du)自(zi)(zi)(zi)在(zai)(zai)(zai)(zai)家(jia)(jia)中(zhong)(zhong)(zhong)(zhong)居(ju)住(zhu)生(sheng)(sheng)(sheng)活(huo)(huo)(huo)，采取(qu)(qu)護理師上門服務(wu)或(huo)(huo)在(zai)(zai)(zai)(zai)社(she)(she)(she)(she)(she)區中(zhong)(zhong)(zhong)(zhong)進(jin)行(xing)周日照(zhao)顧(gu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形式(shi)(shi)，因(yin)此(ci)他(ta)(ta)們(men)(men)不必離開家(jia)(jia)。雖然已經(jing)采取(qu)(qu)了護理措施，但是(shi)(shi)(shi)這(zhe)類(lei)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)耗費的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)力(li)物力(li)很大(da)(da)(da)，目前無(wu)法(fa)普及(ji)。（三(san)(san)）南(nan)平(ping)(ping)市養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)現(xian)狀(zhuang)。退休人(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)(yuan)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)領(ling)取(qu)(qu)待遇自(zi)(zi)(zi)2006年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)以(yi)后(hou)(hou)連續12年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)增(zeng)(zeng)(zeng)加(jia)(jia)(jia)，月(yue)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)累計增(zeng)(zeng)(zeng)加(jia)(jia)(jia)達到(dao)(dao)(dao)1，952元(yuan)。這(zhe)是(shi)(shi)(shi)退休人(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)(yuan)通(tong)過(guo)共同(tong)開發(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)(cheng)果，豐富了退休后(hou)(hou)生(sheng)(sheng)(sheng)活(huo)(huo)(huo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)舒適度(du)和(he)(he)(he)幸(xing)福感(gan)(gan)，但基(ji)本(ben)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支出(chu)卻大(da)(da)(da)大(da)(da)(da)增(zeng)(zeng)(zeng)加(jia)(jia)(jia)。養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)快速(su)增(zeng)(zeng)(zeng)長(chang)，由于(yu)(yu)退休人(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)(yuan)持續增(zeng)(zeng)(zeng)長(chang)是(shi)(shi)(shi)重(zhong)要因(yin)素。在(zai)(zai)(zai)(zai)過(guo)去的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)4年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)里，南(nan)平(ping)(ping)當(dang)(dang)地(di)退休人(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)(yuan)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)區維持在(zai)(zai)(zai)(zai)8，000人(ren)(ren)(ren)(ren)(ren)(ren)，每個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)月(yue)基(ji)本(ben)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)都在(zai)(zai)(zai)(zai)逐(zhu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)增(zeng)(zeng)(zeng)加(jia)(jia)(jia)。基(ji)本(ben)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)支出(chu)增(zeng)(zeng)(zeng)長(chang)率約為(wei)35%，是(shi)(shi)(shi)基(ji)本(ben)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)支出(chu)增(zeng)(zeng)(zeng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)要因(yin)素。年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)繳費的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)下(xia)(xia)限(xian)(xian)和(he)(he)(he)不明(ming)(ming)確的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)責任(ren)劃分，與(yu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)繳費的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)嚴重(zhong)不足，以(yi)及(ji)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)過(guo)低(di)支付(fu)標準，為(wei)參保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)單(dan)位漏報、少報繳費基(ji)數(shu)提(ti)供條件(jian)。南(nan)平(ping)(ping)市的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支付(fu)標準下(xia)(xia)限(xian)(xian)是(shi)(shi)(shi)當(dang)(dang)地(di)最(zui)低(di)工資(zi)(zi)標準。這(zhe)遠遠低(di)于(yu)(yu)國(guo)(guo)家(jia)(jia)規(gui)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)當(dang)(dang)地(di)職工平(ping)(ping)均工資(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)60%，客(ke)觀(guan)上為(wei)參保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)單(dan)位提(ti)供了廣闊的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運(yun)營(ying)(ying)空(kong)間(jian)。（四）我(wo)國(guo)(guo)商(shang)(shang)(shang)業(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市場發(fa)展分析(xi)(xi)。近年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)，國(guo)(guo)家(jia)(jia)越來(lai)(lai)(lai)越重(zhong)視(shi)商(shang)(shang)(shang)業(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。由于(yu)(yu)各種(zhong)各樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支援(yuan)政(zheng)(zheng)策的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)引(yin)進(jin)，中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)業(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)帶來(lai)(lai)(lai)了發(fa)展的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)好(hao)機(ji)(ji)(ji)會(hui)，在(zai)(zai)(zai)(zai)很多(duo)(duo)(duo)方面都取(qu)(qu)得(de)(de)了顯著(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)進(jin)步。例如，在(zai)(zai)(zai)(zai)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)業(ye)(ye)(ye)范圍(wei)擴大(da)(da)(da)后(hou)(hou)，一(yi)(yi)(yi)直保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)持著(zhu)商(shang)(shang)(shang)業(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)數(shu)量的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)增(zeng)(zeng)(zeng)加(jia)(jia)(jia)。現(xian)在(zai)(zai)(zai)(zai)，商(shang)(shang)(shang)業(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發(fa)揮(hui)著(zhu)提(ti)高(gao)(gao)個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)(ren)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)安(an)全保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障水平(ping)(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)積極作用(yong)，促進(jin)了企(qi)業(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)和(he)(he)(he)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)服務(wu)產業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展。商(shang)(shang)(shang)業(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)機(ji)(ji)(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)量正(zheng)在(zai)(zai)(zai)(zai)急(ji)速(su)增(zeng)(zeng)(zeng)加(jia)(jia)(jia)。中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)經(jing)濟改革開放(fang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)只有大(da)(da)(da)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)。就在(zai)(zai)(zai)(zai)中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)人(ren)(ren)(ren)(ren)(ren)(ren)民(min)銀行(xing)宣布1979年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)修(xiu)復保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)行(xing)業(ye)(ye)(ye)之(zhi)后(hou)(hou)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)迅(xun)速(su)發(fa)展。2017年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)底，中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)發(fa)展到(dao)(dao)(dao)234家(jia)(jia)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)。當(dang)(dang)然，這(zhe)僅(jin)是(shi)(shi)(shi)一(yi)(yi)(yi)流的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)法(fa)人(ren)(ren)(ren)(ren)(ren)(ren)機(ji)(ji)(ji)構(gou)，實(shi)際上全國(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)機(ji)(ji)(ji)構(gou)數(shu)量還(huan)(huan)是(shi)(shi)(shi)很多(duo)(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。目前，中(zhong)(zhong)(zhong)(zhong)國(guo)(guo)有10家(jia)(jia)專門的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)，2018年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)接受企(qi)業(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運(yun)營(ying)(ying)資(zi)(zi)產超過(guo)7，000億(yi)元(yuan)人(ren)(ren)(ren)(ren)(ren)(ren)民(min)幣。向國(guo)(guo)家(jia)(jia)機(ji)(ji)(ji)關、企(qi)業(ye)(ye)(ye)、機(ji)(ji)(ji)關、其他(ta)(ta)社(she)(she)(she)(she)(she)會(hui)組織提(ti)供年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)管(guan)(guan)理服務(wu)取(qu)(qu)得(de)(de)了卓越成(cheng)(cheng)(cheng)效。自(zi)(zi)(zi)2018年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)稅遞延養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)試點項目以(yi)來(lai)(lai)(lai)，國(guo)(guo)內(nei)已向20家(jia)(jia)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)批(pi)準了稅遞延養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運(yun)用(yong)。1、商(shang)(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)與(yu)政(zheng)(zheng)府(fu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)競(jing)(jing)爭分析(xi)(xi)。政(zheng)(zheng)府(fu)和(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)之(zhi)間(jian)存在(zai)(zai)(zai)(zai)博(bo)弈(yi)關系，這(zhe)兩者的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)博(bo)弈(yi)主(zhu)要存在(zai)(zai)(zai)(zai)于(yu)(yu)政(zheng)(zheng)府(fu)對(dui)社(she)(she)(she)(she)(she)會(hui)公(gong)(gong)(gong)(gong)眾的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)服務(wu)生(sheng)(sheng)(sheng)產和(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)經(jing)營(ying)(ying)利潤(run)最(zui)大(da)(da)(da)化之(zhi)間(jian)。在(zai)(zai)(zai)(zai)政(zheng)(zheng)策方針的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)指引(yin)下(xia)(xia)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)也(ye)可以(yi)發(fa)揮(hui)社(she)(she)(she)(she)(she)會(hui)管(guan)(guan)理的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)作用(yong)，但是(shi)(shi)(shi)政(zheng)(zheng)府(fu)部門需(xu)要付(fu)出(chu)極高(gao)(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)(cheng)本(ben)。同(tong)時(shi)也(ye)頒(ban)布法(fa)律、法(fa)規(gui)、規(gui)章等措施限(xian)(xian)制保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)行(xing)為(wei)。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)在(zai)(zai)(zai)(zai)追求(qiu)商(shang)(shang)(shang)業(ye)(ye)(ye)利益的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)同(tong)時(shi)，必須考慮為(wei)公(gong)(gong)(gong)(gong)共服務(wu)。否則(ze)，將(jiang)(jiang)(jiang)受到(dao)(dao)(dao)政(zheng)(zheng)府(fu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監督和(he)(he)(he)處(chu)罰。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)機(ji)(ji)(ji)構(gou)和(he)(he)(he)政(zheng)(zheng)府(fu)之(zhi)間(jian)存在(zai)(zai)(zai)(zai)不完全信息之(zhi)間(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)動態博(bo)弈(yi)關系。2、社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)與(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)競(jing)(jing)爭分析(xi)(xi)。對(dui)于(yu)(yu)社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)與(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)之(zhi)間(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)博(bo)弈(yi)，首先，我(wo)們(men)(men)要將(jiang)(jiang)(jiang)社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)劃分為(wei)愿(yuan)意參加(jia)(jia)(jia)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)不愿(yuan)意參加(jia)(jia)(jia)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)兩大(da)(da)(da)類(lei)。當(dang)(dang)前，我(wo)國(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)濟水平(ping)(ping)飛速(su)發(fa)展，社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)(sheng)活(huo)(huo)(huo)水平(ping)(ping)也(ye)發(fa)生(sheng)(sheng)(sheng)了質(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變化。人(ren)(ren)(ren)(ren)(ren)(ren)們(men)(men)不僅(jin)關心衣食，而(er)是(shi)(shi)(shi)追求(qiu)更高(gao)(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)(sheng)活(huo)(huo)(huo)水平(ping)(ping)。并且由于(yu)(yu)社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)收入(ru)差異，他(ta)(ta)們(men)(men)對(dui)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)求(qiu)也(ye)不同(tong)。社(she)(she)(she)(she)(she)會(hui)成(cheng)(cheng)(cheng)員(yuan)(yuan)(yuan)(yuan)不再局限(xian)(xian)于(yu)(yu)傳統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)本(ben)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)計劃。與(yu)此(ci)同(tong)時(shi)，人(ren)(ren)(ren)(ren)(ren)(ren)們(men)(men)越來(lai)(lai)(lai)越重(zhong)視(shi)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)問題(ti)，不僅(jin)要滿(man)足基(ji)本(ben)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)強制保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，還(huan)(huan)要尋求(qiu)更穩定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)及(ji)多(duo)(duo)(duo)樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)產品功能。

三、南平市商業養老保險發(fa)展潛力

（一(yi)）目(mu)(mu)前(qian)(qian)我(wo)國(guo)(guo)(guo)(guo)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)品(pin)(pin)(pin)(pin)(pin)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)性保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)與(yu)(yu)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不(bu)(bu)(bu)(bu)(bu)(bu)同，所(suo)(suo)(suo)以(yi)(yi)人(ren)(ren)(ren)(ren)們(men)(men)對(dui)(dui)(dui)(dui)(dui)這(zhe)(zhe)(zhe)(zhe)一(yi)群(qun)(qun)體(ti)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)也(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)一(yi)樣(yang)，所(suo)(suo)(suo)以(yi)(yi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)性養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)被歸(gui)為(wei)各(ge)種(zhong)類(lei)型(xing)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。具(ju)(ju)體(ti)如(ru)下：1、傳統(tong)(tong)型(xing)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)：購(gou)買(mai)傳統(tong)(tong)型(xing)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，可以(yi)(yi)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)合(he)同規(gui)(gui)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)內補充(chong)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。標(biao)準養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)利率(lv)一(yi)般(ban)為(wei)固(gu)定(ding)標(biao)準，位于(yu)(yu)(yu)(yu)2.0%～2.4%之(zhi)間，有(you)(you)(you)(you)(you)(you)(you)(you)(you)利于(yu)(yu)(yu)(yu)那些不(bu)(bu)(bu)(bu)(bu)(bu)愿(yuan)承(cheng)擔(dan)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、缺(que)(que)(que)乏財務(wu)(wu)(wu)(wu)管理(li)(li)(li)(li)理(li)(li)(li)(li)念的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)。2、分紅(hong)型(xing)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)：是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)具(ju)(ju)備(bei)(bei)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)發(fa)(fa)(fa)(fa)(fa)放(fang)(fang)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)紅(hong)利分配兩(liang)項功(gong)能(neng)(neng)(neng)(neng)(neng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)品(pin)(pin)(pin)(pin)(pin)。與(yu)(yu)傳統(tong)(tong)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)相(xiang)(xiang)比，投(tou)資(zi)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)標(biao)準利率(lv)通(tong)常(chang)為(wei)1.2%～2.0%左右的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)自(zi)由稅(shui)(shui)(shui)(shui)(shui)率(lv)。除了(le)(le)最(zui)(zui)低的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)回報(bao)(bao)(bao)率(lv)之(zhi)外(wai)(wai)，還有(you)(you)(you)(you)(you)(you)(you)(you)(you)不(bu)(bu)(bu)(bu)(bu)(bu)確(que)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)每年(nian)(nian)(nian)(nian)(nian)(nian)(nian)分紅(hong)。3、萬(wan)能(neng)(neng)(neng)(neng)(neng)型(xing)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)：萬(wan)能(neng)(neng)(neng)(neng)(neng)型(xing)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)區(qu)(qu)(qu)別(bie)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)于(yu)(yu)(yu)(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)額可變(bian)(bian)(bian)且(qie)(qie)靈(ling)活(huo)支(zhi)(zhi)付。而(er)(er)萬(wan)能(neng)(neng)(neng)(neng)(neng)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預定(ding)利率(lv)一(yi)般(ban)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)1.75～2.5%。除了(le)(le)一(yi)些必須滿足的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)(zui)低收(shou)(shou)(shou)益外(wai)(wai)，還會有(you)(you)(you)(you)(you)(you)(you)(you)(you)一(yi)些不(bu)(bu)(bu)(bu)(bu)(bu)確(que)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)額外(wai)(wai)收(shou)(shou)(shou)入(ru)(ru)。這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)一(yi)款(kuan)(kuan)比較適(shi)合(he)收(shou)(shou)(shou)入(ru)(ru)缺(que)(que)(que)乏穩定(ding)性的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)高(gao)收(shou)(shou)(shou)入(ru)(ru)人(ren)(ren)(ren)(ren)群(qun)(qun)。4、投(tou)資(zi)連結險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)：這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)證(zheng)收(shou)(shou)(shou)入(ru)(ru)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)款(kuan)(kuan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)品(pin)(pin)(pin)(pin)(pin)，且(qie)(qie)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)最(zui)(zui)大的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)資(zi)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)類(lei)別(bie)。但是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)，由于(yu)(yu)(yu)(yu)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)收(shou)(shou)(shou)益的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)共存，適(shi)合(he)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)群(qun)(qun)為(wei)擁(yong)(yong)有(you)(you)(you)(you)(you)(you)(you)(you)(you)足夠資(zi)源并具(ju)(ju)有(you)(you)(you)(you)(you)(you)(you)(you)(you)很(hen)(hen)強的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)可持續(xu)性。（二(er)）南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發(fa)(fa)(fa)(fa)(fa)展(zhan)優(you)勢。政(zheng)(zheng)(zheng)府養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)體(ti)系(xi)發(fa)(fa)(fa)(fa)(fa)展(zhan)迅速(su)，但政(zheng)(zheng)(zheng)府可以(yi)(yi)直(zhi)接開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)會養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度有(you)(you)(you)(you)(you)(you)(you)(you)(you)很(hen)(hen)多限(xian)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)，且(qie)(qie)不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)隨(sui)意(yi)變(bian)(bian)(bian)更。但與(yu)(yu)社(she)(she)會養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不(bu)(bu)(bu)(bu)(bu)(bu)同，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)上有(you)(you)(you)(you)(you)(you)(you)(you)(you)競爭(zheng)(zheng)機(ji)(ji)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)，具(ju)(ju)有(you)(you)(you)(you)(you)(you)(you)(you)(you)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)難(nan)以(yi)(yi)具(ju)(ju)備(bei)(bei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)機(ji)(ji)動(dong)性和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)靈(ling)活(huo)性。主(zhu)要(yao)(yao)(yao)(yao)體(ti)現(xian)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)以(yi)(yi)下兩(liang)個(ge)(ge)方面(mian)：第一(yi)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優(you)點是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)不(bu)(bu)(bu)(bu)(bu)(bu)固(gu)定(ding)它(ta)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)設(she)計(ji)(ji)模式(shi)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)實(shi)(shi)際運(yun)(yun)用(yong)(yong)(yong)(yong)(yong)(yong)中(zhong)(zhong)(zhong)發(fa)(fa)(fa)(fa)(fa)揮(hui)直(zhi)接作(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)(yong)，更加(jia)(jia)吸引人(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)擁(yong)(yong)有(you)(you)(you)(you)(you)(you)(you)(you)(you)符合(he)眾多市(shi)(shi)(shi)(shi)(shi)(shi)民(min)(min)(min)(min)心理(li)(li)(li)(li)感官的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)簡(jian)單流(liu)程。它(ta)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)以(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)分支(zhi)(zhi)機(ji)(ji)構(gou)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)從(cong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)人(ren)(ren)(ren)(ren)員(yuan)(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)獨(du)特(te)優(you)勢來(lai)(lai)(lai)展(zhan)示商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)營(ying)銷(xiao)要(yao)(yao)(yao)(yao)點，使(shi)(shi)得(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)之(zhi)間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)交流(liu)變(bian)(bian)(bian)得(de)更加(jia)(jia)簡(jian)單方便(bian)。這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)主(zhu)要(yao)(yao)(yao)(yao)依賴于(yu)(yu)(yu)(yu)各(ge)城(cheng)市(shi)(shi)(shi)(shi)(shi)(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)服務(wu)(wu)(wu)(wu)部門(men)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)及(ji)(ji)運(yun)(yun)營(ying)過程，并且(qie)(qie)通(tong)過分支(zhi)(zhi)機(ji)(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)服務(wu)(wu)(wu)(wu)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)非常(chang)方便(bian)安全(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，因此居(ju)(ju)(ju)民(min)(min)(min)(min)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)辦理(li)(li)(li)(li)類(lei)似保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)全(quan)(quan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)時會非常(chang)靈(ling)活(huo)，隨(sui)便(bian)找到(dao)(dao)一(yi)個(ge)(ge)營(ying)銷(xiao)服務(wu)(wu)(wu)(wu)網點便(bian)可以(yi)(yi)進行(xing)相(xiang)(xiang)關(guan)(guan)(guan)(guan)手(shou)續(xu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)辦理(li)(li)(li)(li)。甚至于(yu)(yu)(yu)(yu)，發(fa)(fa)(fa)(fa)(fa)展(zhan)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)(yu)建(jian)設(she)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)完(wan)善(shan)(shan)(shan)社(she)(she)會養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)也(ye)(ye)(ye)(ye)(ye)(ye)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)有(you)(you)(you)(you)(you)(you)(you)(you)(you)很(hen)(hen)多的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)積極促進作(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)(yong)。第二(er)，注(zhu)重(zhong)(zhong)專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)服務(wu)(wu)(wu)(wu)態(tai)度。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)根據(ju)有(you)(you)(you)(you)(you)(you)(you)(you)(you)競爭(zheng)(zheng)力(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)模式(shi)開(kai)(kai)展(zhan)活(huo)動(dong)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)產(chan)品(pin)(pin)(pin)(pin)(pin)設(she)計(ji)(ji)人(ren)(ren)(ren)(ren)員(yuan)(yuan)、統(tong)(tong)計(ji)(ji)人(ren)(ren)(ren)(ren)員(yuan)(yuan)、精算師(shi)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)銷(xiao)售人(ren)(ren)(ren)(ren)員(yuan)(yuan)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)領域的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)性有(you)(you)(you)(you)(you)(you)(you)(you)(you)必要(yao)(yao)(yao)(yao)高(gao)于(yu)(yu)(yu)(yu)一(yi)般(ban)水平(ping)(ping)。而(er)(er)專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)水平(ping)(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)體(ti)現(xian)必然(ran)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)研究開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)工作(zuo)(zuo)及(ji)(ji)產(chan)品(pin)(pin)(pin)(pin)(pin)運(yun)(yun)作(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)對(dui)(dui)(dui)(dui)(dui)接方法(fa)(fa)(fa)(fa)(fa)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)手(shou)段(duan)更加(jia)(jia)豐富(fu)。這(zhe)(zhe)(zhe)(zhe)對(dui)(dui)(dui)(dui)(dui)地(di)區(qu)(qu)(qu)人(ren)(ren)(ren)(ren)口提供(gong)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)各(ge)種(zhong)需求(qiu)(qiu)(qiu)(qiu)得(de)到(dao)(dao)滿足具(ju)(ju)備(bei)(bei)可能(neng)(neng)(neng)(neng)(neng)性。同時，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)互(hu)(hu)聯網技(ji)術(shu)(shu)、風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)管理(li)(li)(li)(li)系(xi)統(tong)(tong)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)各(ge)種(zhong)硬件設(she)施方面(mian)，可能(neng)(neng)(neng)(neng)(neng)比社(she)(she)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)機(ji)(ji)構(gou)更高(gao)效、更專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。這(zhe)(zhe)(zhe)(zhe)些技(ji)術(shu)(shu)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)專(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)優(you)勢必然(ran)會對(dui)(dui)(dui)(dui)(dui)社(she)(she)會養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)、資(zi)源的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)更加(jia)(jia)緊(jin)密分配以(yi)(yi)及(ji)(ji)最(zui)(zui)終養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度發(fa)(fa)(fa)(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)步(bu)(bu)伐做出(chu)(chu)貢獻。（三）南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發(fa)(fa)(fa)(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)劣(lie)勢。基礎養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優(you)惠(hui)稅(shui)(shui)(shui)(shui)(shui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)產(chan)生(sheng)(sheng)以(yi)(yi)來(lai)(lai)(lai)，企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優(you)惠(hui)稅(shui)(shui)(shui)(shui)(shui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)經(jing)過長(chang)期(qi)發(fa)(fa)(fa)(fa)(fa)展(zhan)正(zheng)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)改善(shan)(shan)(shan)，與(yu)(yu)此相(xiang)(xiang)比，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)優(you)惠(hui)稅(shui)(shui)(shui)(shui)(shui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)長(chang)期(qi)短缺(que)(que)(que)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)退(tui)休(xiu)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)出(chu)(chu)現(xian)問(wen)題。稅(shui)(shui)(shui)(shui)(shui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)優(you)惠(hui)政(zheng)(zheng)(zheng)策(ce)(ce)主(zhu)要(yao)(yao)(yao)(yao)從(cong)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)消費者(zhe)(zhe)兩(liang)個(ge)(ge)方面(mian)對(dui)(dui)(dui)(dui)(dui)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)產(chan)生(sheng)(sheng)影(ying)(ying)響(xiang)(xiang)。從(cong)消費者(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)立場(chang)(chang)(chang)來(lai)(lai)(lai)看(kan)，購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)優(you)惠(hui)稅(shui)(shui)(shui)(shui)(shui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)支(zhi)(zhi)持，相(xiang)(xiang)對(dui)(dui)(dui)(dui)(dui)要(yao)(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)更高(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)人(ren)(ren)(ren)(ren)所(suo)(suo)(suo)得(de)稅(shui)(shui)(shui)(shui)(shui)，因此購(gou)買(mai)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)費用(yong)(yong)(yong)(yong)(yong)(yong)相(xiang)(xiang)對(dui)(dui)(dui)(dui)(dui)高(gao)，使(shi)(shi)得(de)消費者(zhe)(zhe)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)加(jia)(jia)入(ru)(ru)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)意(yi)向(xiang)。作(zuo)(zuo)為(wei)盈利保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)機(ji)(ji)構(gou)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)提供(gong)附(fu)加(jia)(jia)價(jia)(jia)值稅(shui)(shui)(shui)(shui)(shui)、法(fa)(fa)(fa)(fa)(fa)人(ren)(ren)(ren)(ren)所(suo)(suo)(suo)得(de)稅(shui)(shui)(shui)(shui)(shui)等(deng)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)時，如(ru)果應(ying)(ying)對(dui)(dui)(dui)(dui)(dui)政(zheng)(zheng)(zheng)策(ce)(ce)不(bu)(bu)(bu)(bu)(bu)(bu)足，就(jiu)加(jia)(jia)重(zhong)(zhong)稅(shui)(shui)(shui)(shui)(shui)務(wu)(wu)(wu)(wu)負(fu)擔(dan)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)運(yun)(yun)用(yong)(yong)(yong)(yong)(yong)(yong)成(cheng)本(ben)(ben)，如(ru)果收(shou)(shou)(shou)益率(lv)高(gao)，就(jiu)繼續(xu)提供(gong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)服務(wu)(wu)(wu)(wu)。鼓勵(li)從(cong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)退(tui)出(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)力(li)(li)(li)度不(bu)(bu)(bu)(bu)(bu)(bu)夠。中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)起(qi)步(bu)(bu)晚(wan)，發(fa)(fa)(fa)(fa)(fa)展(zhan)晚(wan)，行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)規(gui)(gui)范(fan)不(bu)(bu)(bu)(bu)(bu)(bu)明確(que)，沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)形(xing)成(cheng)完(wan)善(shan)(shan)(shan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)規(gui)(gui)章(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度。一(yi)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)規(gui)(gui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)法(fa)(fa)(fa)(fa)(fa)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)規(gui)(gui)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)不(bu)(bu)(bu)(bu)(bu)(bu)完(wan)善(shan)(shan)(shan)。中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)目(mu)(mu)前(qian)(qian)使(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)以(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)(fa)(fa)(fa)(fa)為(wei)基礎，按不(bu)(bu)(bu)(bu)(bu)(bu)同種(zhong)類(lei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)規(gui)(gui)定(ding)進行(xing)補充(chong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)(fa)(fa)(fa)律制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度。但是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)，主(zhu)要(yao)(yao)(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)(fa)(fa)(fa)律和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)法(fa)(fa)(fa)(fa)(fa)規(gui)(gui)還沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)形(xing)成(cheng)有(you)(you)(you)(you)(you)(you)(you)(you)(you)機(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)整體(ti)，法(fa)(fa)(fa)(fa)(fa)律的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)約(yue)束力(li)(li)(li)還很(hen)(hen)弱。特(te)別(bie)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)還沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)出(chu)(chu)臺(tai)關(guan)(guan)(guan)(guan)于(yu)(yu)(yu)(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特(te)別(bie)法(fa)(fa)(fa)(fa)(fa)律和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)規(gui)(gui)章(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)規(gui)(gui)章(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度也(ye)(ye)(ye)(ye)(ye)(ye)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)發(fa)(fa)(fa)(fa)(fa)揮(hui)作(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)(yong)，不(bu)(bu)(bu)(bu)(bu)(bu)愿(yuan)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)復(fu)(fu)雜的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)規(gui)(gui)章(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)環境(jing)(jing)中(zhong)(zhong)(zhong)適(shi)用(yong)(yong)(yong)(yong)(yong)(yong)。二(er)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)監(jian)督主(zhu)體(ti)不(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)位。中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)銀(yin)行(xing)、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)管制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)委(wei)員(yuan)(yuan)會派出(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)店(dian)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)監(jian)督數(shu)量(liang)受(shou)(shou)(shou)限(xian)而(er)(er)變(bian)(bian)(bian)得(de)復(fu)(fu)雜的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)時，也(ye)(ye)(ye)(ye)(ye)(ye)將(jiang)(jiang)受(shou)(shou)(shou)到(dao)(dao)壓(ya)力(li)(li)(li)。其(qi)他(ta)監(jian)督機(ji)(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)作(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)(yong)未能(neng)(neng)(neng)(neng)(neng)有(you)(you)(you)(you)(you)(you)(you)(you)(you)效發(fa)(fa)(fa)(fa)(fa)揮(hui)。舉個(ge)(ge)例子(zi)來(lai)(lai)(lai)說，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)團體(ti)自(zi)身的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)并不(bu)(bu)(bu)(bu)(bu)(bu)重(zhong)(zhong)要(yao)(yao)(yao)(yao)，社(she)(she)會影(ying)(ying)響(xiang)(xiang)力(li)(li)(li)也(ye)(ye)(ye)(ye)(ye)(ye)很(hen)(hen)低，這(zhe)(zhe)(zhe)(zhe)對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)(yu)維持保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)秩序沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)起(qi)到(dao)(dao)太大的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)作(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)(yong)。缺(que)(que)(que)乏效率(lv)監(jian)督的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)會失去秩序，違反法(fa)(fa)(fa)(fa)(fa)令和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)標(biao)準的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)會不(bu)(bu)(bu)(bu)(bu)(bu)斷(duan)出(chu)(chu)現(xian)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)會有(you)(you)(you)(you)(you)(you)(you)(you)(you)失敗的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)傾(qing)向(xiang)，與(yu)(yu)建(jian)立多層次年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度無關(guan)(guan)(guan)(guan)。因監(jian)督能(neng)(neng)(neng)(neng)(neng)力(li)(li)(li)不(bu)(bu)(bu)(bu)(bu)(bu)足，所(suo)(suo)(suo)以(yi)(yi)，如(ru)果在(zai)(zai)(zai)(zai)(zai)(zai)(zai)進入(ru)(ru)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)后發(fa)(fa)(fa)(fa)(fa)生(sheng)(sheng)危機(ji)(ji)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)就(jiu)承(cheng)擔(dan)巨(ju)額債(zhai)務(wu)(wu)(wu)(wu)，直(zhi)接負(fu)債(zhai)。這(zhe)(zhe)(zhe)(zhe)會使(shi)(shi)得(de)與(yu)(yu)之(zhi)相(xiang)(xiang)關(guan)(guan)(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)其(qi)他(ta)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)也(ye)(ye)(ye)(ye)(ye)(ye)很(hen)(hen)為(wei)難(nan)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)基本(ben)(ben)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)并行(xing)，市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)導向(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，因此多種(zhong)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)購(gou)買(mai)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)表1變(bian)(bian)(bian)量(liang)與(yu)(yu)預期(qi)符號一(yi)覽表重(zhong)(zhong)要(yao)(yao)(yao)(yao)因素之(zhi)一(yi)。目(mu)(mu)前(qian)(qian)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)上，養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)種(zhong)類(lei)少(shao)，均質高(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)東(dong)西(xi)多，繳(jiao)費期(qi)限(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)占(zhan)大部分。此外(wai)(wai)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)缺(que)(que)(que)乏年(nian)(nian)(nian)(nian)(nian)(nian)(nian)齡(ling)、地(di)區(qu)(qu)(qu)、收(shou)(shou)(shou)入(ru)(ru)等(deng)差(cha)(cha)(cha)別(bie)化的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)，不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)滿足消費者(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)，市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)競爭(zheng)(zheng)能(neng)(neng)(neng)(neng)(neng)力(li)(li)(li)也(ye)(ye)(ye)(ye)(ye)(ye)較弱。例如(ru)，農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)與(yu)(yu)城(cheng)鄉居(ju)(ju)(ju)民(min)(min)(min)(min)之(zhi)間存在(zai)(zai)(zai)(zai)(zai)(zai)(zai)很(hen)(hen)大差(cha)(cha)(cha)異(yi)，農(nong)(nong)村居(ju)(ju)(ju)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)意(yi)識(shi)淡薄，支(zhi)(zhi)付保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)費的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)能(neng)(neng)(neng)(neng)(neng)力(li)(li)(li)差(cha)(cha)(cha)。從(cong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情況(kuang)看(kan)，城(cheng)市(shi)(shi)(shi)(shi)(shi)(shi)居(ju)(ju)(ju)民(min)(min)(min)(min)有(you)(you)(you)(you)(you)(you)(you)(you)(you)選擇高(gao)收(shou)(shou)(shou)益的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)傾(qing)向(xiang)。市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不(bu)(bu)(bu)(bu)(bu)(bu)向(xiang)城(cheng)鎮(zhen)居(ju)(ju)(ju)民(min)(min)(min)(min)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)農(nong)(nong)村居(ju)(ju)(ju)民(min)(min)(min)(min)提供(gong)差(cha)(cha)(cha)別(bie)化商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)，不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)有(you)(you)(you)(you)(you)(you)(you)(you)(you)效滿足他(ta)們(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)，市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)競爭(zheng)(zheng)能(neng)(neng)(neng)(neng)(neng)力(li)(li)(li)不(bu)(bu)(bu)(bu)(bu)(bu)足。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)所(suo)(suo)(suo)有(you)(you)(you)(you)(you)(you)(you)(you)(you)職(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、地(di)區(qu)(qu)(qu)、個(ge)(ge)人(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)想法(fa)(fa)(fa)(fa)(fa)等(deng)對(dui)(dui)(dui)(dui)(dui)消費者(zhe)(zhe)需求(qiu)(qiu)(qiu)(qiu)產(chan)生(sheng)(sheng)影(ying)(ying)響(xiang)(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)要(yao)(yao)(yao)(yao)因素，如(ru)果不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)適(shi)應(ying)(ying)當(dang)地(di)情況(kuang)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)個(ge)(ge)人(ren)(ren)(ren)(ren)狀況(kuang)，將(jiang)(jiang)會失去市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)競爭(zheng)(zheng)能(neng)(neng)(neng)(neng)(neng)力(li)(li)(li)。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)這(zhe)(zhe)(zhe)(zhe)個(ge)(ge)階段(duan)，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)大部分國(guo)(guo)(guo)(guo)民(min)(min)(min)(min)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)認識(shi)到(dao)(dao)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)要(yao)(yao)(yao)(yao)性和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)個(ge)(ge)人(ren)(ren)(ren)(ren)護理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)責(ze)任(ren)。認識(shi)僅處(chu)于(yu)(yu)(yu)(yu)“老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)齡(ling)護理(li)(li)(li)(li)”、“國(guo)(guo)(guo)(guo)家(jia)(jia)退(tui)休(xiu)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)”水平(ping)(ping)。沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)建(jian)立危機(ji)(ji)感和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)積極的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)自(zi)我(wo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)護機(ji)(ji)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)。不(bu)(bu)(bu)(bu)(bu)(bu)僅要(yao)(yao)(yao)(yao)依存基本(ben)(ben)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，當(dang)然(ran)也(ye)(ye)(ye)(ye)(ye)(ye)要(yao)(yao)(yao)(yao)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)定(ding)完(wan)善(shan)(shan)(shan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)計(ji)(ji)劃。根據(ju)國(guo)(guo)(guo)(guo)民(min)(min)(min)(min)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)準備(bei)(bei)報(bao)(bao)(bao)告，約(yue)69%的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)受(shou)(shou)(shou)訪者(zhe)(zhe)回答說沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)準備(bei)(bei)好(hao)退(tui)休(xiu)。另外(wai)(wai)，市(shi)(shi)(shi)(shi)(shi)(shi)民(min)(min)(min)(min)對(dui)(dui)(dui)(dui)(dui)民(min)(min)(min)(min)間年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)理(li)(li)(li)(li)解不(bu)(bu)(bu)(bu)(bu)(bu)夠，而(er)(er)且(qie)(qie)也(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)夠細致，因此沒(mei)(mei)能(neng)(neng)(neng)(neng)(neng)很(hen)(hen)好(hao)地(di)區(qu)(qu)(qu)分商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)與(yu)(yu)其(qi)他(ta)投(tou)資(zi)、資(zi)產(chan)管理(li)(li)(li)(li)產(chan)品(pin)(pin)(pin)(pin)(pin)相(xiang)(xiang)適(shi)應(ying)(ying)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)接受(shou)(shou)(shou)程度不(bu)(bu)(bu)(bu)(bu)(bu)高(gao)。南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)積極開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)東(dong)風(feng)來(lai)(lai)(lai)了(le)(le)，當(dang)前(qian)(qian)已經(jing)形(xing)成(cheng)了(le)(le)良(liang)好(hao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)外(wai)(wai)部政(zheng)(zheng)(zheng)策(ce)(ce)環境(jing)(jing)。近(jin)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)，國(guo)(guo)(guo)(guo)家(jia)(jia)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)經(jing)濟(ji)發(fa)(fa)(fa)(fa)(fa)展(zhan)中(zhong)(zhong)(zhong)采取(qu)了(le)(le)一(yi)系(xi)列重(zhong)(zhong)要(yao)(yao)(yao)(yao)措施，特(te)別(bie)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)優(you)先政(zheng)(zheng)(zheng)策(ce)(ce)。南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)政(zheng)(zheng)(zheng)府嘗(chang)試實(shi)(shi)施和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)落實(shi)(shi)“三農(nong)(nong)”政(zheng)(zheng)(zheng)策(ce)(ce)，只要(yao)(yao)(yao)(yao)涉及(ji)(ji)地(di)區(qu)(qu)(qu)生(sheng)(sheng)計(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)項目(mu)(mu)大力(li)(li)(li)支(zhi)(zhi)持建(jian)設(she)，財政(zheng)(zheng)(zheng)支(zhi)(zhi)出(chu)(chu)也(ye)(ye)(ye)(ye)(ye)(ye)看(kan)得(de)到(dao)(dao)國(guo)(guo)(guo)(guo)家(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支(zhi)(zhi)持。2014年(nian)(nian)(nian)(nian)(nian)(nian)(nian)8月國(guo)(guo)(guo)(guo)務(wu)(wu)(wu)(wu)院了(le)(le)關(guan)(guan)(guan)(guan)于(yu)(yu)(yu)(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)報(bao)(bao)(bao)告。“新(xin)(xin)國(guo)(guo)(guo)(guo)十條”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)見解是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)“現(xian)代的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)服務(wu)(wu)(wu)(wu)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)，這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)經(jing)濟(ji)發(fa)(fa)(fa)(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)動(dong)力(li)(li)(li)，為(wei)改善(shan)(shan)(shan)人(ren)(ren)(ren)(ren)們(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)活(huo)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)要(yao)(yao)(yao)(yao)措施，這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)我(wo)國(guo)(guo)(guo)(guo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)所(suo)(suo)(suo)有(you)(you)(you)(you)(you)(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)機(ji)(ji)構(gou)發(fa)(fa)(fa)(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利好(hao)消息(xi)。這(zhe)(zhe)(zhe)(zhe)份文件指出(chu)(chu)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)應(ying)(ying)當(dang)被視為(wei)社(she)(she)會基金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)促進者(zhe)(zhe)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)參與(yu)(yu)者(zhe)(zhe)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)(xiang)互(hu)(hu)援助也(ye)(ye)(ye)(ye)(ye)(ye)相(xiang)(xiang)互(hu)(hu)促進互(hu)(hu)補。因此，為(wei)了(le)(le)加(jia)(jia)快保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)改革(ge)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)發(fa)(fa)(fa)(fa)(fa)展(zhan)，完(wan)善(shan)(shan)(shan)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)度，滿足人(ren)(ren)(ren)(ren)們(men)(men)對(dui)(dui)(dui)(dui)(dui)多層次安全(quan)(quan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)顯得(de)十分重(zhong)(zhong)要(yao)(yao)(yao)(yao)。（四）南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發(fa)(fa)(fa)(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)威脅。關(guan)(guan)(guan)(guan)于(yu)(yu)(yu)(yu)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)觀念問(wen)題，居(ju)(ju)(ju)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)想法(fa)(fa)(fa)(fa)(fa)還是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)比較傳統(tong)(tong)，一(yi)般(ban)來(lai)(lai)(lai)說，居(ju)(ju)(ju)民(min)(min)(min)(min)把重(zhong)(zhong)點放(fang)(fang)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)以(yi)(yi)下方面(mian)：首先，民(min)(min)(min)(min)眾有(you)(you)(you)(you)(you)(you)(you)(you)(you)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)，并且(qie)(qie)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)由國(guo)(guo)(guo)(guo)家(jia)(jia)管理(li)(li)(li)(li)。社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)國(guo)(guo)(guo)(guo)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基本(ben)(ben)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)，與(yu)(yu)居(ju)(ju)(ju)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)問(wen)題相(xiang)(xiang)距甚遠。中(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)人(ren)(ren)(ren)(ren)口眾多，是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)齡(ling)化問(wen)題最(zui)(zui)嚴重(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)國(guo)(guo)(guo)(guo)家(jia)(jia)。如(ru)此龐大的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)群(qun)(qun)體(ti)只依靠國(guo)(guo)(guo)(guo)家(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)不(bu)(bu)(bu)(bu)(bu)(bu)夠的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)量(liang)也(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)滿足國(guo)(guo)(guo)(guo)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)(qiu)(qiu)(qiu)。因此，如(ru)果養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)由國(guo)(guo)(guo)(guo)家(jia)(jia)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)社(she)(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)來(lai)(lai)(lai)維持，那將(jiang)(jiang)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)非常(chang)悲哀(ai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)生(sheng)(sheng)活(huo)。養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)質量(liang)不(bu)(bu)(bu)(bu)(bu)(bu)言而(er)(er)喻。其(qi)次，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)我(wo)國(guo)(guo)(guo)(guo)，為(wei)了(le)(le)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)而(er)(er)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)育孩(hai)子(zi)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)傳統(tong)(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)想法(fa)(fa)(fa)(fa)(fa)。今(jin)天，實(shi)(shi)施家(jia)(jia)庭計(ji)(ji)劃政(zheng)(zheng)(zheng)策(ce)(ce)后，家(jia)(jia)庭結構(gou)從(cong)大家(jia)(jia)轉變(bian)(bian)(bian)為(wei)小家(jia)(jia)庭。一(yi)個(ge)(ge)孩(hai)子(zi)需要(yao)(yao)(yao)(yao)支(zhi)(zhi)持兩(liang)代人(ren)(ren)(ren)(ren)，壓(ya)力(li)(li)(li)會很(hen)(hen)大。但是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)，父母往往無法(fa)(fa)(fa)(fa)(fa)忍受(shou)(shou)(shou)孩(hai)子(zi)們(men)(men)承(cheng)受(shou)(shou)(shou)著如(ru)此巨(ju)大的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)壓(ya)力(li)(li)(li)，這(zhe)(zhe)(zhe)(zhe)讓老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)人(ren)(ren)(ren)(ren)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)孩(hai)子(zi)們(men)(men)陷入(ru)(ru)了(le)(le)進退(tui)兩(liang)難(nan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)境(jing)(jing)地(di)。這(zhe)(zhe)(zhe)(zhe)樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)人(ren)(ren)(ren)(ren)護理(li)(li)(li)(li)停滯不(bu)(bu)(bu)(bu)(bu)(bu)前(qian)(qian)，沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)(you)發(fa)(fa)(fa)(fa)(fa)展(zhan)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)改善(shan)(shan)(shan)。2017年(nian)(nian)(nian)(nian)(nian)(nian)(nian)，CIRC的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“134”文件，將(jiang)(jiang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)提升到(dao)(dao)新(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)指揮(hui)點，削弱了(le)(le)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財政(zheng)(zheng)(zheng)性節約(yue)功(gong)能(neng)(neng)(neng)(neng)(neng)。目(mu)(mu)前(qian)(qian)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)售的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)附(fu)加(jia)(jia)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融功(gong)能(neng)(neng)(neng)(neng)(neng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)品(pin)(pin)(pin)(pin)(pin)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)既成(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)狀態(tai)下，新(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)品(pin)(pin)(pin)(pin)(pin)形(xing)式(shi)即(ji)將(jiang)(jiang)登場(chang)(chang)(chang)。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)這(zhe)(zhe)(zhe)(zhe)關(guan)(guan)(guan)(guan)鍵時刻，什么樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)品(pin)(pin)(pin)(pin)(pin)形(xing)態(tai)才能(neng)(neng)(neng)(neng)(neng)形(xing)成(cheng)市(shi)(shi)(shi)(shi)(shi)(shi)場(chang)(chang)(chang)主(zhu)流(liu)，直(zhi)接影(ying)(ying)響(xiang)(xiang)地(di)方商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)方向(xiang)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)速(su)度。理(li)(li)(li)(li)由是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)南平(ping)(ping)市(shi)(shi)(shi)(shi)(shi)(shi)正(zheng)好(hao)適(shi)應(ying)(ying)了(le)(le)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)所(suo)(suo)(suo)銷(xiao)售的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形(xing)式(shi)，即(ji)“財務(wu)(wu)(wu)(wu)管理(li)(li)(li)(li)+保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)全(quan)(quan)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形(xing)式(shi)。財務(wu)(wu)(wu)(wu)管理(li)(li)(li)(li)不(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)成(cheng)為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主(zhu)要(yao)(yao)(yao)(yao)功(gong)能(neng)(neng)(neng)(neng)(neng)，必然(ran)影(ying)(ying)響(xiang)(xiang)新(xin)(xin)形(xing)成(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)居(ju)(ju)(ju)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)意(yi)識(shi)，降低居(ju)(ju)(ju)民(min)(min)(min)(min)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)購(gou)買(mai)意(yi)愿(yuan)，導致養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)進一(yi)步(bu)(bu)發(fa)(fa)(fa)(fa)(fa)展(zhan)。這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)南平(ping)(ping)地(di)區(qu)(qu)(qu)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)大威脅。當(dang)然(ran)，有(you)(you)(you)(you)(you)(you)(you)(you)(you)機(ji)(ji)會，同時也(ye)(ye)(ye)(ye)(ye)(ye)有(you)(you)(you)(you)(you)(you)(you)(you)(you)挑(tiao)(tiao)戰。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)現(xian)今(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)(zheng)(zheng)策(ce)(ce)基礎上，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)對(dui)(dui)(dui)(dui)(dui)養(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)(yang)老(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)(lao)對(dui)(dui)(dui)(dui)(dui)象(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)高(gao)安全(quan)(quan)以(yi)(yi)及(ji)(ji)低價(jia)(jia)格的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)品(pin)(pin)(pin)(pin)(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)(kai)發(fa)(fa)(fa)(fa)(fa)，如(ru)果他(ta)們(men)(men)能(neng)(neng)(neng)(neng)(neng)兼(jian)顧安全(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)功(gong)能(neng)(neng)(neng)(neng)(neng)，充(chong)分宣傳，制(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)定(ding)產(chan)品(pin)(pin)(pin)(pin)(pin)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)變(bian)(bian)(bian)革(ge)中(zhong)(zhong)(zhong)有(you)(you)(you)(you)(you)(you)(you)(you)(you)優(you)勢突出(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)必要(yao)(yao)(yao)(yao)，反而(er)(er)會快速(su)發(fa)(fa)(fa)(fa)(fa)展(zhan)。困難(nan)就(jiu)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)挑(tiao)(tiao)戰，只要(yao)(yao)(yao)(yao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)(si)和(he)(he)(he)(he)(he)(he)(he)(he)(he)(he)監(jian)管部門(men)相(xiang)(xiang)互(hu)(hu)合(he)作(zuo)(zuo)，才能(neng)(neng)(neng)(neng)(neng)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)這(zhe)(zhe)(zhe)(zhe)場(chang)(chang)(chang)變(bian)(bian)(bian)革(ge)中(zhong)(zhong)(zhong)走出(chu)(chu)更廣闊的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)(fa)展(zhan)道路。

四、商業養老保險購買調研設計(ji)

（一）調(diao)研設計(ji)(ji)(ji)。問卷(juan)樣本(ben)(ben)來(lai)自(zi)福(fu)(fu)建(jian)省南平(ping)市(shi)中國太平(ping)人(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)客戶共340位，問卷(juan)內容包含了3個主要(yao)(yao)的(de)(de)(de)領域：第(di)(di)一部(bu)(bu)分(fen)(fen)是(shi)(shi)人(ren)口(kou)統計(ji)(ji)(ji)學(xue)的(de)(de)(de)特(te)(te)征(zheng)(zheng)(zheng)，包括性(xing)別、年(nian)齡、身體(ti)(ti)(ti)狀(zhuang)況(kuang)(kuang)、婚(hun)姻(yin)；第(di)(di)二(er)(er)部(bu)(bu)分(fen)(fen)是(shi)(shi)社(she)(she)(she)(she)(she)會(hui)特(te)(te)征(zheng)(zheng)(zheng)，包括收(shou)入水平(ping)、文(wen)化程度(du)；第(di)(di)三個部(bu)(bu)分(fen)(fen)是(shi)(shi)關(guan)于(yu)(yu)(yu)每個家庭對(dui)應的(de)(de)(de)安全意(yi)(yi)識(shi)與(yu)養(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)特(te)(te)征(zheng)(zheng)(zheng)。在人(ren)口(kou)統計(ji)(ji)(ji)變量方(fang)(fang)(fang)面(mian)，過去(qu)(qu)文(wen)獻(xian)(xian)指出男(nan)性(xing)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)的(de)(de)(de)意(yi)(yi)愿較(jiao)(jiao)女(nv)(nv)性(xing)強(qiang)烈（SEX），婚(hun)姻(yin)情(qing)況(kuang)(kuang)也會(hui)影響(xiang)購(gou)買(mai)(mai)(mai)(mai)(mai)意(yi)(yi)愿（MAR－RY），而且隨著(zhu)(zhu)年(nian)齡的(de)(de)(de)增(zeng)長（AGE），身體(ti)(ti)(ti)健(jian)(jian)(jian)康(kang)狀(zhuang)況(kuang)(kuang)每況(kuang)(kuang)愈下(xia)(xia)，更需要(yao)(yao)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)。社(she)(she)(she)(she)(she)會(hui)特(te)(te)征(zheng)(zheng)(zheng)變量包括收(shou)入水平(ping)、文(wen)化程度(du)，過去(qu)(qu)多(duo)(duo)篇(pian)文(wen)獻(xian)(xian)顯(xian)示(shi)(shi)所(suo)得水平(ping)會(hui)影響(xiang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)(mai)(mai)(mai)欲望，所(suo)得越高(gao)(gao)者(zhe)(zhe)，越容易購(gou)買(mai)(mai)(mai)(mai)(mai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。至于(yu)(yu)(yu)文(wen)化水平(ping)部(bu)(bu)分(fen)(fen)也有(you)(you)(you)(you)多(duo)(duo)篇(pian)文(wen)章提及文(wen)化水平(ping)與(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)(mai)(mai)(mai)關(guan)系(xi)，多(duo)(duo)半為(wei)(wei)(wei)正向(xiang)關(guan)系(xi)。在家庭對(dui)應的(de)(de)(de)安全意(yi)(yi)識(shi)與(yu)養(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)特(te)(te)征(zheng)(zheng)(zheng)方(fang)(fang)(fang)面(mian)，子女(nv)(nv)數(shu)(shu)會(hui)顯(xian)著(zhu)(zhu)影響(xiang)消費者(zhe)(zhe)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)(mai)(mai)(mai)行(xing)為(wei)(wei)(wei)，子女(nv)(nv)數(shu)(shu)（NS）與(yu)購(gou)買(mai)(mai)(mai)(mai)(mai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)概(gai)率是(shi)(shi)反向(xiang)關(guan)系(xi)。另外(wai)，是(shi)(shi)否(fou)有(you)(you)(you)(you)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)觀念體(ti)(ti)(ti)現在對(dui)于(yu)(yu)(yu)養(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)認知程度(du)（EU）、是(shi)(shi)否(fou)有(you)(you)(you)(you)社(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（SI）、公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)是(shi)(shi)否(fou)提供(gong)社(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（CI）、住房(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積金（CH）、員工(gong)福(fu)(fu)利(li)計(ji)(ji)(ji)劃(hua)（CE）、其(qi)他(ta)福(fu)(fu)利(li)（CO）等(deng)，這些都會(hui)影響(xiang)購(gou)買(mai)(mai)(mai)(mai)(mai)意(yi)(yi)愿。（二(er)(er)）模(mo)型建(jian)置。本(ben)(ben)次模(mo)型設計(ji)(ji)(ji)研究(jiu)過程采用羅吉斯回歸分(fen)(fen)析，研究(jiu)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)者(zhe)(zhe)的(de)(de)(de)特(te)(te)征(zheng)(zheng)(zheng)，模(mo)型設置如公(gong)(gong)(gong)(gong)(gong)(gong)式(shi)（1）：logistic（Yi=1，0）＝a+bxid+著(zhu)(zhu)（1）如公(gong)(gong)(gong)(gong)(gong)(gong)式(shi)（1）所(suo)示(shi)(shi)，x代表(biao)(biao)(biao)(biao)(biao)自(zi)變量，Y代表(biao)(biao)(biao)(biao)(biao)應變量，i表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)問卷(juan)調(diao)查的(de)(de)(de)第(di)(di)i個受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，d表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)控制(zhi)變量的(de)(de)(de)第(di)(di)d個變量，著(zhu)(zhu)表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)誤差(cha)項。本(ben)(ben)次實(shi)(shi)驗針對(dui)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)者(zhe)(zhe)的(de)(de)(de)模(mo)型變量介紹與(yu)預期符號如表(biao)(biao)(biao)(biao)(biao)1所(suo)示(shi)(shi)。（表(biao)(biao)(biao)(biao)(biao)1）五、商(shang)業養(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)(mai)(mai)(mai)因素實(shi)(shi)證分(fen)(fen)析表(biao)(biao)(biao)(biao)(biao)2顯(xian)示(shi)(shi)，340位受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)年(nian)齡大約25歲（AGE），學(xue)歷多(duo)(duo)數(shu)(shu)為(wei)(wei)(wei)本(ben)(ben)科或大專（GD），受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)基本(ben)(ben)對(dui)于(yu)(yu)(yu)養(yang)老(lao)(lao)(lao)計(ji)(ji)(ji)劃(hua)不(bu)太熟悉（ED），64.7%的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)有(you)(you)(you)(you)提供(gong)社(she)(she)(she)(she)(she)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)（CS），47.1%的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)有(you)(you)(you)(you)提供(gong)住房(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積金（CF），23.5%的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)有(you)(you)(you)(you)提供(gong)員工(gong)福(fu)(fu)利(li)（CE），73.5%的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)提供(gong)其(qi)他(ta)福(fu)(fu)利(li)（CO）。（表(biao)(biao)(biao)(biao)(biao)2）在受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)自(zi)認身體(ti)(ti)(ti)狀(zhuang)況(kuang)(kuang)（HEALTH）方(fang)(fang)(fang)面(mian)，多(duo)(duo)數(shu)(shu)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)仍然(ran)自(zi)認為(wei)(wei)(wei)身體(ti)(ti)(ti)健(jian)(jian)(jian)康(kang)，婚(hun)姻(yin)狀(zhuang)況(kuang)(kuang)多(duo)(duo)數(shu)(shu)未婚(hun)，兒女(nv)(nv)個數(shu)(shu)約為(wei)(wei)(wei)1.5位，月所(suo)得接近2，800元，20.6%的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)有(you)(you)(you)(you)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)（BUY）。表(biao)(biao)(biao)(biao)(biao)3顯(xian)示(shi)(shi)，性(xing)別（SEX）顯(xian)著(zhu)(zhu)影響(xiang)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)(mai)(mai)(mai)意(yi)(yi)愿，系(xi)數(shu)(shu)為(wei)(wei)(wei)2.869，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)，表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)女(nv)(nv)性(xing)購(gou)買(mai)(mai)(mai)(mai)(mai)概(gai)率高(gao)(gao)于(yu)(yu)(yu)男(nan)性(xing)。在年(nian)齡（AGE）變量方(fang)(fang)(fang)面(mian)，系(xi)數(shu)(shu)為(wei)(wei)(wei)1.688，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)，表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)年(nian)齡越大的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，購(gou)買(mai)(mai)(mai)(mai)(mai)概(gai)率越高(gao)(gao)。自(zi)認為(wei)(wei)(wei)自(zi)身身體(ti)(ti)(ti)健(jian)(jian)(jian)康(kang)比較(jiao)(jiao)不(bu)好的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，不(bu)會(hui)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（系(xi)數(shu)(shu)為(wei)(wei)(wei)-1.852，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)）。（表(biao)(biao)(biao)(biao)(biao)3）在養(yang)老(lao)(lao)(lao)觀念變量方(fang)(fang)(fang)面(mian)，子女(nv)(nv)數(shu)(shu)（NS）系(xi)數(shu)(shu)為(wei)(wei)(wei)-1.727，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)，表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)子女(nv)(nv)數(shu)(shu)越多(duo)(duo)的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，較(jiao)(jiao)不(bu)容易購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)，且擁有(you)(you)(you)(you)社(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（SI）的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，系(xi)數(shu)(shu)為(wei)(wei)(wei)正的(de)(de)(de)2.149，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)，表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)沒有(you)(you)(you)(you)社(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)，對(dui)于(yu)(yu)(yu)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)有(you)(you)(you)(you)較(jiao)(jiao)強(qiang)的(de)(de)(de)購(gou)買(mai)(mai)(mai)(mai)(mai)意(yi)(yi)愿。受(shou)(shou)(shou)(shou)(shou)訪(fang)(fang)者(zhe)(zhe)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)有(you)(you)(you)(you)提供(gong)社(she)(she)(she)(she)(she)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)（CS）、提供(gong)住房(fang)(fang)公(gong)(gong)(gong)(gong)(gong)(gong)積金（CF）、提供(gong)員工(gong)福(fu)(fu)利(li)（CE）以及其(qi)他(ta)福(fu)(fu)利(li)（CO），比較(jiao)(jiao)會(hui)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)，所(suo)有(you)(you)(you)(you)變量系(xi)數(shu)(shu)皆為(wei)(wei)(wei)正數(shu)(shu)，在1%顯(xian)著(zhu)(zhu)水平(ping)下(xia)(xia)，表(biao)(biao)(biao)(biao)(biao)示(shi)(shi)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)福(fu)(fu)利(li)制(zhi)度(du)會(hui)影響(xiang)消費者(zhe)(zhe)購(gou)買(mai)(mai)(mai)(mai)(mai)養(yang)老(lao)(lao)(lao)社(she)(she)(she)(she)(she)區(qu)(qu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)意(yi)(yi)愿。

六、研究結論及建議

（一(yi)(yi)(yi)(yi)(yi)(yi)）結論。在(zai)(zai)(zai)(zai)中(zhong)國(guo)傳統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)“養(yang)(yang)(yang)老(lao)(lao)(lao)”影(ying)響(xiang)(xiang)下，孩子多的(de)(de)(de)(de)(de)(de)(de)(de)(de)居(ju)(ju)民有(you)(you)(you)(you)選(xuan)(xuan)(xuan)擇(ze)家庭(ting)養(yang)(yang)(yang)老(lao)(lao)(lao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)傾向(xiang)，比起商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，他(ta)(ta)們(men)更愿意選(xuan)(xuan)(xuan)擇(ze)家庭(ting)養(yang)(yang)(yang)老(lao)(lao)(lao)。這在(zai)(zai)(zai)(zai)一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)(ding)程(cheng)度上削弱了(le)他(ta)(ta)們(men)加(jia)(jia)(jia)(jia)入(ru)(ru)(ru)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)意愿。人(ren)(ren)均月收(shou)入(ru)(ru)(ru)越高(gao)(gao)，家庭(ting)一(yi)(yi)(yi)(yi)(yi)(yi)次性(xing)(xing)(xing)資金(jin)(jin)(jin)就會(hui)越少，而(er)且(qie)購買商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)熱情和(he)(he)活力(li)也(ye)能(neng)促使消費(fei)和(he)(he)投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)積(ji)極(ji)選(xuan)(xuan)(xuan)擇(ze)。從(cong)產(chan)品特(te)性(xing)(xing)(xing)上看，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)一(yi)(yi)(yi)(yi)(yi)(yi)種金(jin)(jin)(jin)融(rong)(rong)(rong)投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)手(shou)(shou)段(duan)。因此，居(ju)(ju)民對養(yang)(yang)(yang)老(lao)(lao)(lao)金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)以外(wai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)(tou)(tou)資方(fang)(fang)法(fa)(fa)和(he)(he)投(tou)(tou)(tou)(tou)(tou)(tou)資方(fang)(fang)法(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)選(xuan)(xuan)(xuan)擇(ze)產(chan)生一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)(ding)影(ying)響(xiang)(xiang)。如果(guo)選(xuan)(xuan)(xuan)擇(ze)銀行(xing)存款，就可以得到(dao)利(li)率小(xiao)而(er)穩定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)收(shou)益(yi)，銀行(xing)存款也(ye)可以隨(sui)時存取(qu)款，流動(dong)(dong)性(xing)(xing)(xing)較高(gao)(gao)。由于(yu)這些優(you)點(dian)，部分居(ju)(ju)民選(xuan)(xuan)(xuan)擇(ze)了(le)“穩定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)投(tou)(tou)(tou)(tou)(tou)(tou)資”。與(yu)(yu)此同時，房地產(chan)投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)熱點(dian)是(shi)對住房投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)需求(qiu)增加(jia)(jia)(jia)(jia)，成為(wei)(wei)最受(shou)歡迎的(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)(tou)(tou)資方(fang)(fang)法(fa)(fa)。居(ju)(ju)民選(xuan)(xuan)(xuan)擇(ze)這兩(liang)種投(tou)(tou)(tou)(tou)(tou)(tou)資方(fang)(fang)法(fa)(fa)，使商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)在(zai)(zai)(zai)(zai)一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)(ding)程(cheng)度上取(qu)代，對商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)選(xuan)(xuan)(xuan)擇(ze)會(hui)產(chan)生一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)影(ying)響(xiang)(xiang)。（二）建議。1、設計符(fu)合(he)消費(fei)者特(te)征的(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)(ge)性(xing)(xing)(xing)化養(yang)(yang)(yang)老(lao)(lao)(lao)社(she)區(qu)商(shang)(shang)(shang)(shang)(shang)(shang)品。有(you)(you)(you)(you)市場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)品是(shi)地方(fang)(fang)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事業(ye)(ye)發(fa)(fa)展的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)，產(chan)品的(de)(de)(de)(de)(de)(de)(de)(de)(de)革(ge)新是(shi)把居(ju)(ju)民的(de)(de)(de)(de)(de)(de)(de)(de)(de)潛在(zai)(zai)(zai)(zai)需求(qiu)轉化為(wei)(wei)有(you)(you)(you)(you)效需求(qiu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)劃時代的(de)(de)(de)(de)(de)(de)(de)(de)(de)產(chan)品。為(wei)(wei)開(kai)發(fa)(fa)適合(he)當地居(ju)(ju)民的(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)商(shang)(shang)(shang)(shang)(shang)(shang)品，應(ying)根據地區(qu)特(te)點(dian)和(he)(he)地區(qu)情況，到(dao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司進行(xing)現場(chang)調(diao)查。從(cong)功能(neng)設計方(fang)(fang)面(mian)看，商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)品應(ying)當按照(zhao)優(you)先和(he)(he)合(he)理(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)額原則(ze)(ze)辦理(li)(li)。因此，保(bao)(bao)(bao)(bao)(bao)費(fei)水(shui)平(ping)與(yu)(yu)支(zhi)付(fu)能(neng)力(li)相(xiang)一(yi)(yi)(yi)(yi)(yi)(yi)致(zhi)(zhi)。從(cong)用(yong)(yong)戶的(de)(de)(de)(de)(de)(de)(de)(de)(de)角度來(lai)看，設計很(hen)容(rong)易理(li)(li)解(jie)(jie)，但必(bi)須(xu)完(wan)整(zheng)、詳細(xi)。還(huan)要(yao)(yao)調(diao)整(zheng)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)年金(jin)(jin)(jin)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)支(zhi)付(fu)方(fang)(fang)法(fa)(fa)，適當提(ti)(ti)(ti)(ti)高(gao)(gao)支(zhi)付(fu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)靈(ling)活性(xing)(xing)(xing)。因此，支(zhi)付(fu)方(fang)(fang)法(fa)(fa)必(bi)須(xu)與(yu)(yu)居(ju)(ju)民的(de)(de)(de)(de)(de)(de)(de)(de)(de)收(shou)入(ru)(ru)(ru)特(te)征一(yi)(yi)(yi)(yi)(yi)(yi)致(zhi)(zhi)。2、政(zheng)府與(yu)(yu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)推廣(guang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)意識。繼續鞏(gong)固養(yang)(yang)(yang)老(lao)(lao)(lao)社(she)區(qu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司工作(zuo)(zuo)(zuo)(zuo)(zuo)水(shui)平(ping)，與(yu)(yu)政(zheng)府密切合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)。在(zai)(zai)(zai)(zai)政(zheng)策制(zhi)定(ding)(ding)和(he)(he)各種活動(dong)(dong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)幫助下，兩(liang)個(ge)(ge)(ge)組織(zhi)緊密合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)，在(zai)(zai)(zai)(zai)廣(guang)告和(he)(he)監督(du)方(fang)(fang)面(mian)開(kai)展良好的(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)。注(zhu)(zhu)重創新，將(jiang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)會(hui)服務功能(neng)與(yu)(yu)社(she)會(hui)責任和(he)(he)福利(li)相(xiang)結合(he)，通(tong)過網絡新媒(mei)體渠(qu)道廣(guang)泛普及(ji)。從(cong)根本上提(ti)(ti)(ti)(ti)高(gao)(gao)居(ju)(ju)民對保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)廣(guang)告的(de)(de)(de)(de)(de)(de)(de)(de)(de)認識和(he)(he)信(xin)任，促進保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)銷(xiao)售的(de)(de)(de)(de)(de)(de)(de)(de)(de)順(shun)利(li)開(kai)展。郵政(zheng)儲蓄銀行(xing)和(he)(he)其他(ta)(ta)銷(xiao)售點(dian)應(ying)充分利(li)用(yong)(yong)自(zi)身優(you)勢，加(jia)(jia)(jia)(jia)強相(xiang)互間的(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)，增加(jia)(jia)(jia)(jia)渠(qu)道，擴(kuo)大覆(fu)蓋，實現互補利(li)益(yi)。與(yu)(yu)此同時，不斷(duan)探索運(yun)用(yong)(yong)適當的(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)法(fa)(fa)和(he)(he)手(shou)(shou)段(duan)，對從(cong)業(ye)(ye)人(ren)(ren)員進行(xing)培訓(xun)，提(ti)(ti)(ti)(ti)高(gao)(gao)服務質(zhi)(zhi)量。為(wei)(wei)了(le)實現這個(ge)(ge)(ge)目標，首先要(yao)(yao)堅持(chi)實用(yong)(yong)原則(ze)(ze)，廣(guang)告要(yao)(yao)用(yong)(yong)容(rong)易理(li)(li)解(jie)(jie)且(qie)普及(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)用(yong)(yong)語。營(ying)銷(xiao)人(ren)(ren)員的(de)(de)(de)(de)(de)(de)(de)(de)(de)職業(ye)(ye)道德和(he)(he)誠(cheng)信(xin)方(fang)(fang)面(mian)還(huan)需要(yao)(yao)加(jia)(jia)(jia)(jia)強培訓(xun)，并制(zhi)定(ding)(ding)人(ren)(ren)事管(guan)理(li)(li)辦法(fa)(fa)。以現實為(wei)(wei)基(ji)礎(chu)，面(mian)向(xiang)廣(guang)大地區(qu)，多層次地為(wei)(wei)居(ju)(ju)民提(ti)(ti)(ti)(ti)供保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)服務。在(zai)(zai)(zai)(zai)整(zheng)個(ge)(ge)(ge)過程(cheng)中(zhong)，要(yao)(yao)注(zhu)(zhu)意認真對待，全(quan)面(mian)提(ti)(ti)(ti)(ti)高(gao)(gao)服務質(zhi)(zhi)量。3、保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司應(ying)強調(diao)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)障與(yu)(yu)投(tou)(tou)(tou)(tou)(tou)(tou)資的(de)(de)(de)(de)(de)(de)(de)(de)(de)差異。保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司要(yao)(yao)發(fa)(fa)揮商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)積(ji)極(ji)作(zuo)(zuo)(zuo)(zuo)(zuo)用(yong)(yong)，提(ti)(ti)(ti)(ti)高(gao)(gao)居(ju)(ju)民的(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)素(su)養(yang)(yang)(yang)，特(te)別(bie)是(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)素(su)養(yang)(yang)(yang)，是(shi)有(you)(you)(you)(you)效的(de)(de)(de)(de)(de)(de)(de)(de)(de)途徑之一(yi)(yi)(yi)(yi)(yi)(yi)。保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)素(su)養(yang)(yang)(yang)和(he)(he)金(jin)(jin)(jin)融(rong)(rong)(rong)素(su)養(yang)(yang)(yang)有(you)(you)(you)(you)一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)差別(bie)，比如保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)原理(li)(li)、術語等比一(yi)(yi)(yi)(yi)(yi)(yi)般(ban)的(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)知(zhi)(zhi)識更難(nan)懂，而(er)且(qie)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)承保(bao)(bao)(bao)(bao)(bao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)(he)投(tou)(tou)(tou)(tou)(tou)(tou)資風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)有(you)(you)(you)(you)較大差別(bie)。因此，提(ti)(ti)(ti)(ti)高(gao)(gao)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)參與(yu)(yu)率要(yao)(yao)從(cong)以下兩(liang)個(ge)(ge)(ge)方(fang)(fang)面(mian)入(ru)(ru)(ru)手(shou)(shou)：一(yi)(yi)(yi)(yi)(yi)(yi)方(fang)(fang)面(mian)要(yao)(yao)從(cong)供給端入(ru)(ru)(ru)手(shou)(shou)，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)監管(guan)部門要(yao)(yao)加(jia)(jia)(jia)(jia)強監管(guan)，引導(dao)(dao)人(ren)(ren)壽保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司在(zai)(zai)(zai)(zai)商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)品上提(ti)(ti)(ti)(ti)高(gao)(gao)信(xin)息披露(lu)水(shui)平(ping)，盡可能(neng)使用(yong)(yong)消費(fei)者容(rong)易理(li)(li)解(jie)(jie)的(de)(de)(de)(de)(de)(de)(de)(de)(de)語言(yan)來(lai)表述(shu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)單條款；另一(yi)(yi)(yi)(yi)(yi)(yi)方(fang)(fang)面(mian)從(cong)需求(qiu)端入(ru)(ru)(ru)手(shou)(shou)，政(zheng)府部門需要(yao)(yao)制(zhi)定(ding)(ding)國(guo)民金(jin)(jin)(jin)融(rong)(rong)(rong)素(su)養(yang)(yang)(yang)提(ti)(ti)(ti)(ti)升規劃，重點(dian)突出保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)素(su)養(yang)(yang)(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)作(zuo)(zuo)(zuo)(zuo)(zuo)用(yong)(yong)，積(ji)極(ji)引導(dao)(dao)人(ren)(ren)們(men)對社(she)會(hui)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)政(zheng)策的(de)(de)(de)(de)(de)(de)(de)(de)(de)關注(zhu)(zhu)和(he)(he)理(li)(li)解(jie)(jie)，讓養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)抵御(yu)未來(lai)年老(lao)(lao)(lao)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)意識深(shen)入(ru)(ru)(ru)人(ren)(ren)心(xin)。各類保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司也(ye)要(yao)(yao)加(jia)(jia)(jia)(jia)強養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)宣傳，積(ji)極(ji)和(he)(he)其他(ta)(ta)企業(ye)(ye)合(he)作(zuo)(zuo)(zuo)(zuo)(zuo)，在(zai)(zai)(zai)(zai)普通(tong)產(chan)品營(ying)銷(xiao)中(zhong)加(jia)(jia)(jia)(jia)入(ru)(ru)(ru)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)知(zhi)(zhi)識競賽，或者開(kai)展專業(ye)(ye)性(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)教育(yu)、培訓(xun)等，引導(dao)(dao)人(ren)(ren)們(men)對商(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)關注(zhu)(zhu)，激發(fa)(fa)人(ren)(ren)們(men)對養(yang)(yang)(yang)老(lao)(lao)(lao)問題的(de)(de)(de)(de)(de)(de)(de)(de)(de)興趣和(he)(he)思考，提(ti)(ti)(ti)(ti)高(gao)(gao)人(ren)(ren)們(men)學(xue)習養(yang)(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)知(zhi)(zhi)識的(de)(de)(de)(de)(de)(de)(de)(de)(de)主動(dong)(dong)性(xing)(xing)(xing)和(he)(he)持(chi)續性(xing)(xing)(xing)。

作者(zhe):周林(lin)毅 朱瀟(xiao)瀟(xiao) 單位:武夷學(xue)院商學(xue)院區域綠色發(fa)展研究(jiu)中心(xin)