八十年代以来,我国出现了明显的通货膨胀。中国人民银行推出了“长期保值储蓄”等业务,力图吸收并稳定银行储蓄存款,保障储户利益。事实证明,保值储蓄起到了它应有的作用。“储蓄存款保值,保险保值吗?”——广大保户中有人提出了这个问题。于是乎,“保险无用论”在一些人中传播,什么“赔款贬值”,什么“保险金解决不了实际问题”等等一系列论调充斥许多场合。更有甚者,保险界同仁中居然有人要设计 Since the 1980s, there have been obvious inflation in our country. The People’s Bank of China launched the “long-term hedge savings” and other businesses in an effort to absorb and stabilize bank savings deposits and safeguard the interests of savers. Facts have proved that hedging savings played its due role. “Saving deposit, insurance, hedging?” - Someone in the broad constituency raised the issue. Ever since, “Insurance Useless Theory” spread in a number of people, what “devaluation of indemnity”, what “insurance money can not solve practical problems” and a series of arguments flooded many occasions. What is more, some people in the insurance sector actually want to design