保险的防灾防损职能亟待强化  

The Insurance's Function of Risk and Damage Prevention should be strengthened

作　　者：万金文[1] 

机构地区：[1]中国保险监督管理委员会湖南监管局,湖南长沙410015

出　　处：《保险研究》2007年第10期40-42,共3页Insurance Studies

摘　　要：目前,作为保险重要派生职能的防灾防损工作处在无岗位、无投入、无活动、无要求的尴尬境地。这样的局面使社会财富和人员遭受不应有的损失、使公司的稳健经营受到损害、使保险行业的形象受到影响。造成防灾防损工作弱化的原因是观念出的"错"、竞争惹的"祸"、政策结的"果"、时势摆的"局"。我们要从提高认识、加强合作、注重宣传、规范核保、落实责任等方面入手,切实做好防灾防损工作。The important function of risk and damages prevention of insurance is much neglected and inactivated. Some social and personal wealth loss can be avoided and operation of some companies will not be flawed, if it were not for this situation. Such a phenomenon is also undermining the public image of the insurance industry. This situation is due to people＇s incorrect concept, growing competition and lack of policy commitment. We should fully understand the importance of this function, step up on cooperative efforts, raise awareness through enhanced publicity, standardize policy underwriting, and clearly define responsibilities in order to improve on the work of risk and loss prevention.

关 键 词：派生职能 防灾防损 风险管理 规范核保 落实责任 

分 类 号：F840.32[经济管理—保险]