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2004年,吉林市中百商厦发生特大火灾,直接经济损失达800余万元。在遇难的54人中,仅有4人投保了人身险。最终,吉林市政府拿出了488万元用于对灾难的补助。火灾后,就有保险公司提出,如果当时中百商厦投保了公众火灾责任险,就可以大大减轻政府的压力,同时还可以保证遇难者的经济赔偿,对经营者自身来说,也是转移风险的一种有利途径。保险,作为调控社会风险的一种手段,在产生之初,就是为了减少灾害对社会发展造成的不利因素。火灾保险更是如此。回顾火灾保险的发展,我们可以清晰地了解其对整个社会稳定及经济发展带来的推动作用。
In 2004, there was a big fire in Zhongbai Building in Jilin City, with a direct economic loss of over 800 million yuan. Among the 54 people killed, only 4 people insured life insurance. In the end, the municipal government of Jilin took out 4.88 million yuan to subsidize the disaster. After the fire, some insurance companies proposed that if at that time, Zhongbai Commercial Building insured the public fire liability insurance, it would greatly reduce the pressure on the government, and at the same time, it could also guarantee the economic compensation of the victims, and also shifted the risk to the operators themselves A good way. Insurance, as a means of regulating social risks, was originally designed to reduce the unfavorable factors that disaster caused social development. Fire insurance even more so. Reviewing the development of fire insurance, we can clearly understand its role in promoting social stability and economic development.