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保险公司是现代经济社会最重要的角色之一,其风险承担及组织管理的功能决定了它在市场经济中不可或缺的独特地位。基于此,较之于普通企业,保险公司更应承担社会责任。然而,保险公司本质上仍为私人资本的集合,逐利是资本的本性,寄希望于其主动、自觉承担社会责任,不够现实,必须借助于保险法律法规的进一步完善。一、保险公司承担社会责任的特别基础
Insurance companies are one of the most important roles in modern economy and society. Their functions of risk taking and organization and management determine their unique and indispensable position in a market economy. Based on this, compared with ordinary businesses, insurance companies should assume social responsibility. However, insurance companies are still essentially private capital collections. Profit-seeking is the nature of capital. It is not realistic enough to rely on its initiative and consciously assume social responsibilities. It must rely on the further improvement of insurance laws and regulations. First, the insurance company to assume a special basis for social responsibility