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中国保险业滞后的现实,表明了对科学保险理论的需要。而马克思的保险思想作为马克思经典理论体系中的有机内容,却并未引起足够的关注与重视。马克思对保险的剖析涉及保险的必要性、保险基金的性质与保险分摊损失、补偿职能等核心问题,不仅具有系统性、深刻性,而且对于我们认识保险的本质、发展保险业具有重要的现实意义。所以应当重温马克思的保险思想,并结合中国的具体国情,促进我国保险业全面、健康、长足发展。
The fact that China’s insurance industry lags behind shows the need for a scientific insurance theory. However, Marx’s insurance thought, as an organic content in Marx’s classical theoretical system, has not drawn enough attention and attention. Marx’s analysis of insurance involves the necessity of insurance, the nature of insurance fund and the core problems such as the insurance contribution loss and compensation function, which are not only systematic but profound, and have important practical significance for us to understand the nature of insurance and develop insurance industry . Therefore, we should review Marx’s insurance thinking and combine with China’s specific national conditions to promote the comprehensive, healthy and rapid development of China’s insurance industry.