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| How Can Financial Policy Be Positive in the Construction of a Multi-Level Social Security System？——Based on the Research of Supplementary Commercial Insurance for the Disabled |
| Yuan Ke1 Duan Jing2 |
| 1.Academy of China Open Economy Studies， University of International Business and Economics， Beijing 100029；2.School of Public Administration， South China Agricultural University， Guangzhou 510642 |
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Abstract The social security system has the attributes of financial management， and the country and society have more positive expectations for financial policy. According to the decision and deployment of “comprehensively build a multi-level social security system”， it is necessary to promote the modernization of financial governance to ensure that the financial policies supporting supplementary commercial insurance for the disabled are positive. Using the Sabatier-Mazmanian policy implementation theory model as an analytical framework， this paper selects ten cities from level 1 to 5 nationwide to conduct policy analysis and empirical test of accident insurance for the disabled. The results show that the purchase of accident insurance policies has significantly improved the satisfaction of the disabled， and plays a better role of supplementary security. Among them， the coverage of target groups and public financial input have obvious effects on the positive improvement of policies， but the influence of insurance market development is not significant. In order to further promote the positive of financial policy， we should strengthen the overall planning of the government to expand the scope of policy guarantee， and lay a solid material foundation for the market mechanism； clarify the boundary of financial responsibility to assume the responsibility of basic guarantee， and form a “basic＋upgrade” hybrid supplementary commercial insurance system； give play to the policy transmission mechanism to energize the market， and enrich the supply of insurance products for vulnerable groups.
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Received: 19 July 2021
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2021, Vol. 60 
