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“天有不测风云,人有旦夕祸福”。风险的无处不在和其发生的不可预测性,使人们产生了强烈的规避风险、转移或补偿损失的要求,保险应运而生。保险所特有的经济保障职能和监督风险职能使其在保障企业再生产的正常进行与扩大、人民生活的安定与提高方面发挥着社会“稳定器”的作用。同时,巨额保险基金为生产建设提供重要资金来源,又使保险成为经济发展的
“There are unexpected events, people have good and bad fortune.” Ubiquitous risk and its unpredictability make people have a strong demand to avoid risks, transfer or compensate for losses, and insurance has emerged. The unique economic guarantee function and supervision risk function of insurance make it play a role of social “stabilizer” in ensuring the normal operation and expansion of enterprise reproduction and the stability and improvement of people’s life. At the same time, huge insurance funds provide an important source of funds for production and construction, and make insurance into an economic development