从保险消费观视角分析我国保险业的发展

Looking at the development of the insurance industry from the perspective of insurance consumption concepts

对正确保险消费观的研究,不仅对我国保险消费者的消费行为具有重要的指导意义,而且对于完善我国保险市场,实现我国保险业的科学发展亦有十分重要的作用。正确保险消费观,是以风险转移为先,以购买经济保障为本,以互助共济为己任,以最大诚信为最高准则,以保险作为生存必须品,以可持续消费为目标的保险消费理念体系。保险保障形式是整个保障体系中最普遍、最经常、最基础和最重要的防灾救灾形式,它和社会保障共同处于整个防灾救灾体系的基础地位。

The study on correct insurance consumption concepts will not only be useful in guiding insurance consumption activities by Chinese consumers, but also valuable for improving the insurance market and achieving a healthy development of the industry. The correct insurance consumption concepts prioritize risk transfer in insurance consumption and utilize insurance protection against financial distress. Therefore these concepts advocates mutual help and fraternity, uphold the principle of utmost good faith, regard insurance as a living necessity, and aim to attain sustainable insurance consumption. Insurance needs belong to people＇s living needs at the lowest level, insurance products are living necessity items, and insurance consumption is a necessary living consumption just like clothing, food and sleep. The form of insurance protection is the most common, the most basic and the most important forms of protection against and relief from disasters. It is positioned, together with social security system, at the core of the social system for disaster prevention and relief.