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保险的保障功能是通过保险消费实现的。保险消费由无形的确定性精神消费与有形的不确定性物质消费两部分组成,即贯穿于整个保险合同起止期间的确定性精神心理消费与合同约定的风险事故有关的不确定性保险金的或有索取权。保险商品通过进入生产领域和消费领域参与到整个社会经济系统的物质再生产与精神再生产过程中,保险商品消费同其他物品和服务的消费一起共同构成了人们的生活消费和社会经济发展的生产消费。保险消费行为意识与保险产业增长轨迹之间存在重要联系。政府适当的税优政策不仅可有效地改善保险消费行为意识,还可推动整个社会经济和人们生活的消费水平和结构的提高,达到扩大内需和促进经济发展的功效。
The guarantee function of insurance is realized through insurance consumption. Insurance consumption is composed of intangible deterministic mental consumption and tangible uncertainty material consumption, namely deterministic psychic consumption throughout the period of the insurance contract. Uncertainty insurance related to the risk accident stipulated in the contract or Have the right to claim Insurance products participate in the process of material reproduction and spiritual reproduction of the entire social economic system by entering the field of production and consumption. Together with the consumption of other goods and services, insurance products constitute the production and consumption of people’s lives and their socio-economic development. There is an important connection between the awareness of insurance consumer behavior and the insurance industry growth trajectory. The appropriate government tax policy can not only effectively improve consumer awareness of consumer behavior, but also promote the overall social and economic life and people’s consumption level and structure to improve and achieve the effect of expanding domestic demand and promote economic development.