"The meaning of insurance is only to prepare for tomorrow today, to prepare for death when born, and to prepare parents for their children."
This sentence clarifies the most basic meaning of insurance: to prepare for everything that is unknown.
In fact, insurance has a long history, insurance is just a general term, its variety, different insurance for different groups of people to use. It certainly has its own superiority in being able to preserve it to this day, but over time, many different voices have emerged in society for insurance.
Some people are in favor of buying insurance, thinking that this is a protection. However, some people have raised objections, especially the view put forward by the famous scholar Lang Xianping, who believes that China's insurance is all deceptive and no different from pyramid schemes.
After this view came out, it triggered a heated discussion among everyone, and the topic of insurance appeared on the cusp of the storm again, so what is the real meaning of the existence of insurance?
<h1 class="pgc-h-center-line" Data-track="5" Why >01 appears</h1>
Many people will wonder, when did insurance appear? If you have to dig deeper, you have to go back to 2500 BC, when the king of the ancient Babylonian kingdom, in order to make the society work better, he stipulated that officials serving the residents should collect a certain amount of tax after doing things, and because there were many fires at that time, the taxes were mainly used for disaster relief activities.
Among the stonemasons of ancient Egypt, an organization was organized about mutual assistance in funerals, and each member could pay a membership fee to the organization, and if any member died in the future, this fee would become the cost of burying the member.
A similar method was used in the ancient Roman Empire, where funds were collected first, and what happened to the soldiers in the future could be used to ensure the future life of their families.
With these paid-first, post-covered activities increasing, the insurance model is gradually taking shape. In the ancient Babylonian Hammurabi era, in order to ensure the trade of goods, commodity insurance also came into being, and later in the ancient Roman era, merchants had the habit of helping soldiers transport goods.
However, the risk at sea is unpredictable, the goods may be damaged in the hands of the military in the end, in order to reduce the loss, the military will require the merchant to pay some fees, in order to protect the rights and interests of the military, which forms the marine insurance, and when did China start to have insurance?
The introduction of the term insurance in China is mainly derived from the Atlas of the Sea Country, which records the content of Western commercial insurance. Later, with the large-scale rise of private enterprises, China also established its own insurance companies.
Originally, the development was still very good, after all, there are many places in society that need to be guaranteed, but in the face of war, enterprises have basically disappeared without a trace.
<h1 class="pgc-h-center-line" data-track="7" >02 ushered in a new look</h1>
Until 1949, after the founding of New China, the insurance industry ushered in a major transformation. First of all, the insurance industry was regulated, especially the insurance institutions full of bureaucratic capital, which were mostly present in Shanghai, so Shanghai became a key transformation city, most of the insurance on navigation has returned to normal experience, and other types of insurance have yet to be restored.
If there is sufficient funds, it may soon resume insurance operations in China. However, before the founding of New China, due to the impact of the situation, many laws on insurance were enacted to regulate the behavior of the industry.
Soon after the founding of New China, Chinese Min Insurance Company appeared in people's field of vision. This was the first state-owned insurance company after the founding of New China, and in order to expand its popularity, it also cooperated with banks across the country. Gradually, people are more and more aware of insurance, and they are willing to take the time to understand the relevant knowledge of insurance.
With the development of the times, insurance has naturally become a part of our lives, such as student insurance, medical insurance, etc., which will be mentioned in daily life. These phenomena prove that insurance plays an important role in people's lives, after all, insurance will really play a compensatory role after some undesirable accidents.
But every industry will have more or less drawbacks when it develops, and the insurance industry is not immune. Like Mr. Lang Xianping, he has publicly stated that China's insurance is deceitful, why is he so confident to say this conclusion? In fact, this is not empty, he listed the conclusions of his research, and suddenly made those who shouted in support of insurance fall into contemplation.
<h1 class="pgc-h-center-line" data-track="9" >03 The drawbacks are revealed</h1>
If a company can develop, its capital chain must be strong. Because he needs employees to do things, need to pay employees, especially the industry is developing more and more mature, competition is becoming more and more fierce, only more people are willing to buy, insurance companies can survive.
Hence the situation of exaggerating the role of insurance. At the end of the day, why would people be willing to pay for insurance out of their own pockets? Because the accident and tomorrow do not know which comes first, in case of an accident one day, a family is likely to lose its financial resources at any time.
If the family buys insurance in advance, the insurance will compensate the accident with funds, which can help the family survive this period and not fall into difficulties all at once. Therefore, when customers buy, they will ignore many other considerations of insurance and only focus on compensation in terms of benefits.
When finally looking for insurance company theory, most of them will give such a reply: the insurance person is involved in fraud and has been fired by the company. If the company is just a staff member who has such a situation, it may really be that there is a problem with this person, but if such a situation occurs in large quantities, it is obviously the company's problem.
There is also a phenomenon - in order to rush sales, some insurance salespeople will start from the people around them, and family, friends, etc. have become the objects of their sales. In this way, family and friends have become the victims, and as in the above situation, basically there is no follow-up after buying insurance, and there is no return.
There are also some more brutal cases, that is, to buy insurance out of their own pockets. Because only when the number is up to standard, they can get the corresponding bonus, but this practice will often fall short. It doesn't take long for them to find themselves in a dead end and unable to walk out.
<h1 class="pgc-h-center-line" data-track="11" >04 Ask the question</h1>
Lang Xianping scholars linked such a situation to the behavior of pyramid schemes, believing that there was no difference between selling insurance in this way and engaging in pyramid schemes. The essence of pyramid schemes is that the money is out but does not get the return it deserves, which is equivalent to throwing the money into the sea, although this metaphor is a bit exaggerated, but it is not unreasonable to think about it carefully.
The problem is only to be solved, because such problems are becoming more and more prevalent, and the development of the insurance industry itself is not ideal, so after the emergence of this statement, the insurance companies that have these errors have made improvements relative to each other, no longer avoid the heavy and light, just to say some exaggerated gains, but also to detail what kind of situation, in order to get these compensation costs.
It is enough to see that Lang Xianping is not an ordinary person, and he has a certain influence in his speech! These views were put forward by him in a financial program, which mainly popularized the economy and explained them in words acceptable to the people, so that everyone could have a understanding of finance and economics.
In 1978, he completed his studies at Tunghai University in Taiwan, and after graduation, he went to the United States to continue his economics major, and with his own unique talent, he won two degrees in just two and a half years.
He has served as a lecturer at many international universities, including New York University and the University of Chicago. After returning to China, he was very concerned about China's economic situation, and was invited to many economic programs to explain the economy, during which time, he relied on his talent to explain the economy, which made many people more vigilant about the economy.
In particular, the analysis of individual cases, he has his hands on it, so there is a conclusion that he denounces insurance fraud. In addition to making very similar points of view between insurance and pyramid schemes, he also spoke of other shortcomings of the insurance industry as a warning to people and insurance companies.
Insurance data is too confidential, not open and transparent, the easiest to see is that the insurance company can find a lot of relevant identity information through the ID card provided by the insured. This information is used to judge whether the person is suitable for insurance, which is a large violation of people's privacy rights.
In this regard, the insurance company will say that if the customer has a concealment and the insurance company does not investigate clearly, it will be the insurance company that will be deceived later, and only by grasping the clear information can the customer be better served.
In short, it seems that a balance must be found in order to relieve the existence of these troubles.
<h1 class="pgc-h-center-line" data-track="13" > summary</h1>
In the past, it was not that people did not find these problems existing, but their power was relatively small. Only like Lang Xianping, only a very influential scholar can sound the alarm bell of the people, we should have the awareness of thinking of danger in times of peace, but at the same time we must have discerning eyes, and it is not a correct way to go to the doctor in a hurry.
Therefore, when buying insurance, we should look at the contract more and understand more about the regulations of insurance, which can avoid many problems.