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保险的本质是以资金解决了经济社会运行过程中要素的短缺与需求之间的矛盾,实现了风险的分散和财富的调剂,保障了经济社会生活的稳定运行。从保险的本质出发,明确保险业在金融行业中的角色定位,是保险业实现科学发展的前提。在当前经济金融环境不确定因素增加,行业发展尚不充分的情况下,保险业偏离保障发展方向可能带来潜在的风险。只有坚持保险保障的发展方向,立足于专业化经营,不断创新,进一步加强监管,才能真正实现保险事业又好又快的科学发展。
The essence of insurance is to solve the contradiction between the shortage of factors and demand in the process of economic and social operation by means of funds, realize the dispersion of risks and the adjustment of wealth, and ensure the stable operation of economic and social life. Starting from the nature of insurance, specifying the role of insurance in the financial industry is a prerequisite for the insurance industry to achieve scientific development. Under the current uncertainties in economic and financial environment, the development of the industry is still not sufficient, the insurance industry may deviate from the direction of the development of security may bring potential risks. Only by adhering to the direction of the development of insurance protection can we truly and truly achieve the sound and rapid scientific development of the insurance industry, based on specialized management and constant innovation so as to further strengthen supervision.