“保险姓保”:理论溯源与价值回归

发布时间：2019-08-13 20:46

【摘要】：近年来,国内部分保险公司偏离了保险经营发展的方向,动用保险资金在资本市场频繁举牌上市公司,使得"保险的主要功能究竟是投资还是保障"这一问题成为了社会各界关注的热点议题。从保险的起源及其发展历程来看,经济补偿功能始终是保险最基本的功能,风险管理和经济补偿最能真正体现保险的价值,所以说"保险姓保"是保险的本质。实现"保险姓保",要贯彻依法治国方略,逐步完善现代保险业的法律制度;提高社会公众的保险意识,逐步扩大保险保障的覆盖面;完善保险经济补偿机制,创新社会管理模式;明确风险保障的目标,遵循保险资金运用稳健审慎原则,引导保险资金成为维护资本市场稳定、促进实体经济发展的重要力量。
[Abstract]:In recent years, some domestic insurance companies have deviated from the direction of insurance management development, using insurance funds to frequently list listed companies in the capital market, which makes the question of "whether the main function of insurance is investment or protection" has become a hot issue of concern to all sectors of society. From the origin and development of insurance, economic compensation function is always the most basic function of insurance, risk management and economic compensation can really reflect the value of insurance, so "insurance surname insurance" is the essence of insurance. In order to realize "insurance surname insurance", it is necessary to carry out the strategy of governing the country according to law, gradually improve the legal system of modern insurance industry, improve the insurance consciousness of the public, gradually expand the coverage of insurance security, perfect the insurance economic compensation mechanism and innovate the social management mode. We should make clear the goal of risk protection, follow the principle of prudent and prudent use of insurance funds, and guide insurance funds to become an important force to maintain the stability of the capital market and promote the development of the real economy.
【作者单位】：广东金融学院;
【基金】：国家社会科学基金项目《失独老人的养老保障模式与政策扶持机制研究》(项目编号:14BSH142) 教育部人文社会科学基金项目《基于农村环境保护视角的农业保险绿色补贴机制研究》(项目编号:13YJA630062) 广东省软科学研究项目《网络众筹与科技保险协同视角下科技型中小企业融资机制创新研究》(项目编号:2016A070705070) 广东省自然科学基金自由申请项目《广东双转移的环境风险循环扩散效应与环境污染保险补偿机制研究》(项目编号:2014A030313661)的资助
【分类号】：F842

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