从理论突破到实践推进（From theoretical breakthrough to practical promotion）.doc

从理论突破到实践推进（From theoretical breakthrough to practical promotion） From theoretical breakthrough to practical promotion 2011-06-02 Source: China Insurance Regulatory Commission website /web/site0/tab40/i166581.htm Tong Chunjian, China Insurance Journal (June 1, 2011 First Edition) From the creative development of the insurance function theory to practice constantly deepening, in recent years, the CIRC requires the insurance industry to adhere to the people-oriented, service first, closely combined with industry practice, give full play to the social insurance management functions, and actively participate in the strengthening and innovation of social management, and achieved initial results. Innovative insurance function theory International experience shows that insurance, as a market-based risk transfer mechanism and a social mutual aid mechanism, is an effective way to manage and resolve social contradictions through economic levers. By playing the role of commercial insurance, the government will help reduce social management costs, improve social management efficiency and promote social stability. In early 2004, the China Insurance Regulatory Commission Chairman Wu Dingfu put forward clearly for the first time, modern insurance not only has the economic compensation function and the function of financial intermediation, but also has the function of social risk management for the insurance industry, all-round, multi-level and wide-ranging mining development potential, expand the space for development and provided theoretical guidance. In 2006, the State Council document No. 23 pointed out that insurance has economic compensation, financing and social risk management function is the basic means of risk management under the conditions of market economy, is an important part of the financial system and the social security system, plays an important role in building a harmonious socialist society. This is not only the affirmation of the three major functional theories