近代中国保险思想的探究

保险是为应付自然灾害或意外事故所造成的财产损失或人身伤亡而采用的一种社会互助性质的经济补偿方法,是社会保障体制的重要组成部分。作为一种分摊意外损失的经济补偿手段,在我国,其思想萌芽可上溯到先秦时代,但真正近代意义上的保险却是伴随西方资本主义的入侵而传入我国的。对近代中国保险思想的产生、发展和影响的探究,有助于以史为鉴指导现代中国民族保险业的健康发展,为现代化建设服务。

The Investigation of Chinese Modern Insurance Thought

Insurance is an interdependent economic compensation to manipulate property loss or the death and injury of human being caused by the natural disasters or accidents.It is an important component of society guarantee system.As an economic compensation method of sharing accidental damage,the origin of the thought can trace back to the period before Qing Dynasty,but the modern meaning of insurance was introduced into China with the western capitalism invasion.The investigation of Chinese modern insurance thought will contribute to the healthy development of Chinese national insurance industry.