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本文从近期所发掘出的福州“小保险”实物文献为研究对象,概述了迄今所见各有关实物史料,探寻了福州“小保险”与民间商帮堂会所举办之“百寿会”、“百寿轩”及“百龄团”等慈善团体组织之间的渊源关系,揭示了福州“小保险”内在运作的机制。实物文献证明,在民国24年(1935)当时政府清理小保险、主张国办寿险的政策下,福州“小保险”业者还有部分以各种方式存留于民间,并且在二十世纪四十年代间,通过“复举”和“新设”等手段继续举办民间的简易寿险,只是这种“复举”或“新设”的团体组织,却仍因循了民间慈善团体的名义与形式。福州“小保险”实物文献的发掘面世,于地方金融史研究大有裨益,藉此可以澄清有关史志记述的或缺,洵为可宝。
In this paper, Fuzhou “insured ” physical literature discovered recently was reviewed as the object of study, and the related historical material about it so far was summarized, and the “hundred insurance” organized by Fuzhou “private insurer ”Shouhui “, ”Baishou Xuan “ and ”“ ”Bailing “ and other charity organizations, revealing the internal operation of Fuzhou ”small insurance “ mechanism. Physical evidence shows that in the 24 years of the Republic of China (1935), the government cleaned up the small-sum insurance and advocated the state-run life insurance policy. Some of the Fuzhou ”small-sum insurance“ companies also survived in various ways in the private sector and in the fourth quarter of the twentieth century During the decade, non-governmental simple life insurance was continued through means such as ”reinstatement“ and ”new creation“, but only this kind of ”reunion“ or ”new establishment“ group organization continued to follow the line The name and form of civil charitable organizations. Fuzhou ”small insurance " The discovery of physical literature available in the study of local financial history of great benefit, to clarify the historical records or absence, 洵 is treasure.