保险实现社会风险管理功能的逻辑起点及路径选择

The logical starting point and path selection of insurance function to social risk management

基于世界银行对社会风险管理内涵的界定,以保险的自身优势为出发点,深入剖析保险实现社会风险管理功能的逻辑起点。同时,以保险产品为载体,基于保险产品全寿周期进行风险管理则是保险参与社会风险管理的路径选择。在效果评价中,静态效果与动态效果、当期效果与长期效果之间的关系同样需要考虑。

Based on the World Bank’s identification to social risk management and the advantages of insur-ance,the logical starting point of insurance function to social risk management is analyzedin depth. At the same time,insurance involvement in social risk management based on the whole life period of insurance products as a carrier is selected as the path to fulfil the risk management. In the effect valuation,the relation-ship betweenthe static effect and dynamic effect,and that between recent effect and long-term effect should be taken into consideration.