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保险制度就是保险单位利用保险费对投保单位或者个人因自然灾害或意外事故等造成损失而给以经济补偿的一种制度。一九八一年十二月《中华人民共和国经济合同法》、一九八三年九月《中华人民共和国财产保险合同条例》等,对保险制度作了明确的规定。财产保险是指包括财产保险、农业保险、责任保险、保证保险、信用保险等以财产或利益为保险标准的各种保险,例如汽车保险、工程保险、火灾保险、产品责任保险等等。企业通过保险制度获得经济补偿的形式是签订保险合同,即向经营保险业务的单位投保。在法律上,投保的单位或个人叫投保人,经营保险业务的单位叫保险人,在我国是中国人民保险公司。
Insurance system is the insurance unit to use insurance premiums for insurance units or individuals due to natural disasters or accidents caused by loss and give a system of economic compensation. The Economic Contract Law of the People’s Republic of China in December 1981 and the Regulations on the Contract of Property Insurance in the People’s Republic of China in September 1983 set out clearly the insurance system. Property insurance refers to all kinds of insurance covered by property or interest such as property insurance, agricultural insurance, liability insurance, guarantee insurance and credit insurance, such as automobile insurance, engineering insurance, fire insurance, product liability insurance and so on. The form of economic compensation that an enterprise obtains through the insurance system is the signing of an insurance contract, that is, insuring the entity that operates the insurance business. In law, the insured unit or individual is called the insured, the insurer is the unit that runs the insurance business, and the Chinese People’s Insurance Company in our country.