周燕芳认为，发挥商保的作用，可以考虑三个方面。第一，发挥商业保险灵活性和定制化的优势，探索为新就业人群创设专项养老金。她认为，商业保险满足的是更灵活、更个性化和更有品质的保障需求，可以自主选择、自愿投保、随身携带。此外，社保可持续性有赖于财政支持，商保则以市场化手段实现可持续保障。
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proposal, but we feel that the simplifications promised by the idea。关于这个话题，体育直播提供了深入分析
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