保险理论重构的几点思考

Some Thoughts on Insurance Theoretical Reconstruction

在社会进步和科技发展日新月异的背景下,保险的制度基础,由于"科技赋能"和"社会变革",正在发生广泛和深刻的变化。这种变化不仅体现在经营管理的各个环节,更体现在商业模式乃至理论层面。本文用发展的视角,观察基础环境对保险理论带来的影响和可能产生的变化,提出"科技重构保险理论"的命题,同时,进一步观察科技发展与理论重构之间的相互关系,强化理论重构的必要性与合理性,并提出基本思路和路径。面向未来,保险理论的重构是一个不能回避的问题,需要开展深入的思考、研究与探索。

Under the background of rapid social progress and scientific development,the institutional foundation of the insurance sector is also experiencing wide-spread and profound changes due to ＂technical empowerment＂and＂social reforms＂. These changes can be felt not only at different links of the operation process,but also from the business model,and even at the theoretical level. This paper reviewed the fundamental environment＇s impacts on insurance theories and possible changes from the perspective of development. It put forth the proposition of ＂Science and technology reconstruct insurance theories＂. Meanwhile,it also further observed the interrelation between technical progress and theoretical reconstruction,emphasized the necessity and rationality for the reconstruction,and pointed out the approach and path. Looking into the future,reconstruction of insurance theories is unavoidable,and this is worth more in-depth thinking,research and exploration.