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保险企业基市职能传统定位及存在的问题长期以来保险学说分为两大类:即损失说和非损失说。传统的保险企业基本职能定位主要基于损失说理论,忽视了非损失说理论,致使保险企业基本职能在实践中已显落后,十分不利于保险企业核心竞争力的形成以及制度创新、产品创新、管理手段创新,也十分不利于确实保障投保人和被保险人的根本利益。1、传统理论定位与实践存在一定差异传统理论将保险企业的基本职能
The Traditional Positioning and Existing Problems of Insurance Enterprise Base Market Functions Insurance theory has long been divided into two categories: loss of insurance and non-loss of insurance. The basic functions of traditional insurance companies are mainly based on the theory of loss theory and neglect theory of non-loss theory. As a result, the basic functions of insurance enterprises have lagged behind in practice, which is not conducive to the formation of the core competitiveness of insurance companies, as well as the institutional innovation, product innovation, management Means of innovation, but also very detrimental to the actual protection of the insured and the insured’s fundamental interests. 1, there is a certain difference between the traditional theory of positioning and practice Traditional theory will be the basic functions of insurance companies