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(一)自然灾害和意外事故的存在,是社会必须建立后备基金的物质前提。保险是建立这种后备基金的一种方式。此外,还有集中方式和“自保”方式。在某些同志中,对保险存在着这样两种看法:一种认为由于灾害的存在,保险在任何时候都是必要的。因此觉得国家停办财产强制保险值得考虑。另外一种看法恰好相反。认为财产强制保险既然可以停办,其他保险也就同样可以停办,国家保险可用救济、征税等方法来代替。因此觉得保险工作没有前途。以上两种看法表面上是相反的,但我认为它们有
(1) The existence of natural disasters and accidents is a material prerequisite for the community to set up a reserve fund. Insurance is a way of establishing such a reserve fund. In addition, there is a centralized approach and “self-protection” approach. In some comrades, there are two kinds of views on insurance: one is that insurance is necessary at any time due to the existence of disasters. Therefore, it is worth considering that the state should stop compulsory property insurance. The other view is exactly the opposite. Since property compulsory insurance can be stopped as long as other insurance can also be suspended, the state insurance available relief, taxation and other methods to be replaced. So I think there is no future insurance work. These two views are apparently the opposite, but I think they have