论保险的本质与保险业在金融行业中的角色定位

保险的本质是以资金解决了经济社会运行过程中要素的短缺与需求之间的矛盾,实现了风险的分散和财富的调剂,保障了经济社会生活的稳定运行。从保险的本质出发,明确保险业在金融行业中的角色定位,是保险业实现科学发展的前提。在当前经济金融环境不确定因素增加,行业发展尚不充分的情况下,保险业偏离保障发展方向可能带来潜在的风险。只有坚持保险保障的发展方向,立足于专业化经营,不断创新,进一步加强监管,才能真正实现保险事业又好又快的科学发展。

The intrinsic nature of insurance and its role in the financial industry

As a form of finance,insurance solves the conflict between the lack and need of production factors.Insurance disperses risks and distributes wealth.It guarantees a steady development of economy.Based on this essence of insurance,we should have a clear understanding of the role which insurance plays in the financial industry.This is the precondition to carry out the scientific concept of development.When unstable factors increase in the current financial environment,the insurance industry,still in its primar...