保险是金融业的主要组成部分,在金融危机下其保障功能再次受到关注。政府部门从2008年末对保险业发展提出了“回归本质”的要求。回顾保险发展史,曾出现过三次危机,其经验教训和借鉴意义值得深思。本文通过探讨三次保险危机,强调并肯定了保险保障功能对于可持续发展中的基础性地位,必须得到重视。 Insurance is a major component of the financial industry, and its safeguards are once again under the spotlight of the financial crisis. From the end of 2008, the government departments proposed the “return to essence” requirement for the development of the insurance industry. Review the history of insurance development, there have been three crises, its lessons and lessons for reference is worth pondering. This article explores the three insurance crises, emphasizing and affirming the function of insurance support for the sustainable development of the basic position, we must get attention.