“风险社会”保险业的功能定位

Function of Insurance in Age of Risk

人们对于保险的认识已从最初将其作为一种风险分散的技术层面,上升到将其作为一种经济金融制度的制度层面,并最终升华至社会安全与和谐战略的哲学层面。传统的保险研究较多地从微观主体的效率和福利贡献出发,因而越来越远离了其"控制风险"的本质。随着人们从对"风险社会"性质认识到"和谐社会"构建思路的日渐明晰,我们在发展经济和控制风险的双重任务面前,还原保险业的本质功能,认清时代特征下保险业的"社会效用",将有利于认识在风险管理中政府的职责和未来保险业发展的方向。

People＇s awareness to insurance raises from a technology of decentralizing risks in early times to a financial system later on and will further extend to the philosophic field to realize social security and harmonious stategy. Because the traditional study on insurance starts more from microcosmic body＇s efficiency and contribution, it goes further and further from its nature of ＂control risks＂. Facing the double tasks of developing economy and controlling risks with clearer and clearer ideas on the ＂Risk Society＂ to ＂Harmonious Society＂, better understanding on the essential function of insurance and its social impacts in different times will facilitate us to know better about the government＇s responsibilities in risk management and the direction for insurance in the future.