摘要
保险公司作为特殊类型的公司,应负的社会责任与一般公司所负的有所不同。司法实践中,法院对保险公司社会责任的认定尺度并不统一。经营发展过程中,保险公司也未针对自身业务的特殊性提出个性化的履行方案。保险公司社会责任具有特殊性的原因在于危险共同体成员之间的“社会关联”。社会责任是所有公司营利性负面效应的一种纠偏机制与可持续发展的优化,具有派生性与从属性。保险公司履行社会责任应优先关注保单持有人的利益而非股东,实现保险的保障功能及社会管理功能。交强险“无责赔付”、“打通赔付”的裁判思路以及赠送保险行为均是对保险公司践行社会责任的错误认知。
As a special type of company,insurance companies have diff erent social responsibilities from those of general companies.In judicial practice,the court's determination of the social responsibility of insurance companies is not uniform.In the course of business development,the insurance company did not propose a personalized fulfi llment plan for the particularity of its business.The reason for the special nature of insurance company social responsibility lies in the"social connection"between members of the dangerous community.Social responsibility is a correction mechanism for the negative eff ects of profi tability of all companies and the optimization of sustainable development,which is derived and subordinate.In fulfi lling social responsibilities,insurance companies should give priority to the interests of policyholders rather than shareholders,so as to realize the protection function and social management function of insurance.Compulsory traffi c insurance's"non-responsible compensation","opening up compensation"referee thinking,and the act of giving insurance are all misunderstandings of insurance companies'implementation of social responsibility.
出处
《吉林金融研究》
2021年第5期39-43,共5页
Journal of Jilin Financial Research
基金
中南财经政法大学中央高校基本科研业务经费专项资金资助(202110665)。
关键词
保险公司
社会责任
营利性
insurance company
social responsibility
profi t-making
