现代保险是一种市场化的风险转移机制,是一种市场化的社会互助机制,是一种用市场办法从容应对各类灾害事故和突发事件、妥善安排人的生老病死的社会管理机制。在社会主义市场经济条件下,加快我国保险业的发展,对于促进国民经济协调发展、构建和谐社会有着十分重要的意义。构建 Modern insurance is a market-oriented risk transfer mechanism. It is a market-oriented social mutual aid mechanism. It is a social management mechanism that uses market measures to cope with various kinds of disaster accidents and emergencies easily and properly arranges people’s death, illness and death. Under the condition of socialist market economy, accelerating the development of China’s insurance industry is of great significance for promoting the coordinated development of the national economy and building a harmonious society. Construct