浅议保险三功能论

A Discussion on the Theory of Three Functions of Insurance

保险功能理论研究是保险理论研究的一个焦点,目前理论界、实务界均承认了保险具有补偿损失、融通资金和社会管理功能。详细分析了此三功能论断的理论来源,并且运用逻辑演绎和概念推理的方法,深刻剖析资金融通功能与社会管理功能的内涵,定性证明了保险不具有资金融通和社会管理功能的大胆论断。

The theoretical research of insurance function is a focus of the insurance theory research. At the present time, both theory and practice field deem that insurance has three functions, that is loss compensation, capital financing, and society management. In this article, we analyze the theoretical sources of these three functions, and the meanings of the two functions of capital financing and society management, then qualitatively prove the adventurous judgment that insurance does not have the function of capital financing and society management.