公營企業現已採用經濟核算制,逐渐走向自給自足的計劃經濟道路,這中間一切都好辦,惟有對於意外災害的損失,無法預算,只有施行保險才能解决這個問題。不然萬一出險,企業單位本身無法彌補,生產無法繼續,這將是人民祖國財產的嚴重損失。過去一般人對保險極不重視,有着各種的原因。其中最主要的:第一、是出於僥倖心理,以爲災害不一定發生,其實一旦果真發生了災害,恐怕就瞠目不知所措了,這種僥倖心理是應該去掉的。第二、是由於不了解保險的本質,以致對於保險業的力量有所懷疑,殊下知保險原是由參加的各單位彼此合作,互爲保障,保險公司不過代爲組織並處理而已,所以保險業的後盾就是他的被保險人大衆,其力量自然是强大的。更何况今日的中國人民保險公司是人民自己的保險公司,以羣衆的力量爲人民大衆服務呢? 有人說:‘公營企業遭遇了損害,由國營的保險公司支付賠款,結果無疑仍由政府負担,既然一樣是由國家負担的,倒不如萬一損害發生時, Now that the public enterprises have adopted the system of economic accounting and gradually moved toward a planned economy that is self-sufficient, everything is easy to handle. Only for the loss of an unexpected disaster can not be estimated, only insurance can solve the problem. Otherwise, in case an out-going enterprise is unable to make up for itself and production can not continue, it will be a serious loss of property of the people’s motherland. In the past, most people did not attach much importance to insurance, for a variety of reasons. One of the most important: First, out of luck, that the disaster does not necessarily occur, in fact, if a disaster really happened, I am afraid overwhelmed, this chance is to get rid of. Second, it is because they do not understand the nature of insurance and therefore have doubts about the strength of the insurance industry. Specifically, insurance is originally provided by the participating units for mutual protection and mutual protection. However, the insurance company does not act on its own to organize and deal with it. Therefore, The backing of the insurance industry is his insured people, its power is naturally powerful. What is more, the PICC today is the people’s own insurance company that serves the people with the power of the masses. Some people say: "Public enterprises have suffered damage and the state-run insurance companies have to pay indemnities. The result is undoubtedly still borne by the government , Since the same is borne by the state, it is better if damage occurs,