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在谈到保险企业社会效益问题时,业内不少人士认为:保险企业经济效益具有直接表现和间接表现两种形式.直接表现在赔款上,赔款越多,对社会提供的保障越大,社会效益越好.长期以来,我们一些同志在宣传保险为发展社会生产、安定人民生活所发挥的积极作用时,也往往引用巨大的赔款数字为据来说明.这样.在社会上也就形成了同样的观点,保险只有赔得越多,才越受社会欢迎,社会效益越好.当然,保险赔款可以体现保险的社会效益.但是,对于保险赔款越多,社会效益越好这种宣传和提法,笔者却不敢苟同,其理由如下:
When it comes to the social benefits of insurance enterprises, many people in the industry think that: the economic benefits of insurance enterprises have two forms of direct performance and indirect performance, which are directly reflected in the indemnities, the more the indemnities, the greater the protection provided to the society and the social benefits The better, for a long time, some of our comrades have often cited the huge amount of indemnity for explaining the positive role insurance plays in the development of social production and the stability of people’s lives, thus forming the same social Of course, the insurance indemnity can reflect the social benefits of insurance.However, the more the insurance indemnity, the better the social benefits of such publicity and formulation, I do not agree, for the following reasons: