论我国保险企业的社会责任

On social responsibility of China's insurance companies

企业对促进经济和社会可持续发展的贡献,主要通过承担社会责任来实现。我国保险企业承担社会责任有利于促进经济社会可持续发展和构建和谐社会。"三农"问题、巨灾事件和民生问题为我国保险企业承担社会责任带来了宝贵的机遇,但我国保险企业也面临来自供给和需求两方面的挑战。促使我国保险企业更好更多地承担社会责任,需要多管齐下,保险企业是承担社会责任的主体,应加大创新力度,在企业管理、产品设计、承保、理赔、投资等环节有所作为;监管机构和行业组织应发挥宣传、引导和推动的作用。

Enterprises help to promote economic and social development mainly through shouldering their social responsibilities. China＇s insurance companies can contribute to consistent socio-economic development and the creation of a harmonious society by upholding their social responsibilities. The issues of ＂rural areas, farmers and agriculture＂, catastrophes and people＇s livelihood are where insurers can play a role in meeting their social responsibilities. However, the industry is also facing with challenges from both aspects of supply and demands. We should urge insurers to take on social responsibilities more effectively from multiple angles, As the principal in taking on social responsibility, insurers can innovate on their practices from corporate management, product design, underwriting, claim handling and investment. Meanwhile, the regulator should actively publicize, guide and promote such practices.