目前社会保险制度改革的滞后已成为我国迈向市场经济的主要障碍之一,加快改革步伐迫在眉睫。但在改革的取向上,至今仍存在着许多模糊不清,甚至错误的认识,其中最有代表性的就是主张社会保险要商业化,要由各类保险企业来经营社会保险。我们认为,社会保险绝不能商业化,否则后患无穷。 At present, the lag in the reform of the social insurance system has become one of the major obstacles to China’s marching toward a market economy. It is imminent to speed up the reform. However, there still exist many vague and even wrong understandings on the orientation of the reform. The most representative one is that it advocates the commercialization of social insurance and the operation of social insurance by various insurance companies. We think that social insurance must not be commercialized, otherwise endless trouble.