现代保险服务视角下的保险文化

现代保险服务业是现代服务业的重要组成部分,它具有保障、资金融通和社会管理三大功能。保险文化是兴业之魂,现代保险服务业发展需要与其相适应的保险文化的领引和支撑。本文运用文化和保险的相关理论,研究了保险文化的起源、结构、作用及其发展,从现代保险服务业的视角探讨了保险文化的建设和发展。研究表明,现代保险文化的建设必须以服务为宗旨,以最大诚信为基本价值取向;必须多渠道地尽快培养以德为本,德才兼备,具有一定的跨文化能力的保险人才队伍;必须强化全民的保险意识,构建以发展为第一要务的保险社会文化;必须以国际化战略为导向,借鉴、吸收国外保险文化的优秀部分为我所用,达成跨文化的融合创新,合作共赢。

Modern insurance service industry is an important part of modern service industry.It has three functions of security,financing and social management.Insurance culture is the soul of business development and the development of modern insurance service industry needs the guidance and support of insurance culture which is suitable for it.From the perspective of modern insurance service industry and based on the theories of culture and insurance,the origin,structure,functions and development of insurance culture are discussed in this paper.It is indicated that the construction of modern insurance culture must be carried out from the following four aspects:(1) taking service as its purpose and the utmost good faith as its basic value orientation.(2) training insurance talents taking virtue as the foundation,having both ability and political integrity and getting certain cross-cultural abilities through various training channels.(3)strengthening the insurance consciousness of the whole people and constructing insurance social culture with development as its first priority.(4)being guided by the internationalization strategy,drawing lessons from the excellent parts of foreign insurance culture for our use and achieving cross-cultural integration and innovation,win-win cooperation.