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自上世纪八十年代以来,关于保险功能的理论研究,说法林林总总,诚然在学术见解上的问题不能也不可能强求一律。学术争鸣是必要的,否则,就不会有学术的进步与创新。然而,学术上的讨论则要求有一个共同的逻辑起点,否则,就不可能有真正意义上的学术讨论。逻辑应该是客观事物的逻辑,从而,我们的思维逻辑过程也就应该是反映着客观事物的逻辑过程。本文以形式逻辑的要求首先明确界定保险属概念和保险种概念,而后以保险的属概念为逻辑起点,评释了保险金融说与保险非金融说、保险功能说与保险公司功能说和保险功能内源说与保险功能外源说。本文所讨论的这些问题对于保险经济学的基础理论建设具有重要的意义。
Since the eighties of last century, theoretical research on insurance functions has always been a source of promise. It is true that the problems in academic insights can not and can not be uniformly imposed. Academic contention is necessary, otherwise, there will be no academic progress and innovation. Academic discussions, however, require a common logical starting point; otherwise, there can be no real academic discussion. Logic should be the logic of objective things. Therefore, the logical process of our thinking should also be the logical process that reflects the objective things. This paper, first of all, defines the concept of insurance and the concept of insurance in the form of formal logic firstly. Then, the concept of insurance is used as the starting point of logic, and the theory of insurance of finance and non-financial of insurance are explained. Internal say and insurance function exogenous said. The problems discussed in this paper are of great significance for the construction of the basic theory of insurance economics.