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市场经济的根本特征是经济运行的市场化。行业内外,地区内外及至国际间的市场竞争,为生产经营者提供了更多的盈利机会,而优胜劣汰的市场法则又使企业和个人面临巨大的风险。因此,发展市场经济就必须建立完善的社会保障体系。如果说计划经济体制下人们可以把灾害事故损失转嫁于国家的话,那么市场经济条件下,他们除借助“保险”转嫁风险外,别无选择。商业性财产保险正是调节市场经济运行中的社会矛盾的“润滑剂”。1997年,中保财产保险有限公司江苏省分公司共为4.7万户企业,92万辆(艘)机动车(船),500万户家庭、102万笔运输货物、374万亩农作物提供了6423亿元的风险保障,处理各类赔案
The basic feature of market economy is the marketization of economic operation. Market competition both within and outside the industry, both within and outside the region and from the world to the rest of the world provides more profit opportunities for the producers and marketers, and the market rules of survival of the fittest, in turn, expose enterprises and individuals to great risks. Therefore, developing a market economy requires establishing a sound social security system. If one can pass on the disaster losses to the people under the planned economy, they will have no choice but to pass on the risks under the market economy. Commercial property insurance is the “lubricant” that regulates the social contradictions in the operation of the market economy. In 1997, PICC Property & Casualty Co., Ltd. Jiangsu Branch provided a total of 47,000 enterprises, 920,000 motor vehicles (ships), 5 million households and 1,020,000 trafficked goods and 3,740,000 mu of crops 100 million yuan of risk protection, handling various types of claims