中文摘要：

我国目前社会风险与巨灾风险日益频繁发生,而拘泥于＂狭义保险＂的基本功能所培养的保险人才已不能应对风险社会与民生问题对我国经济社会发展所提出挑战的需要。应从开展政策性农业保险、商业保险参与社会保障体系建设以及加快巨灾险种的制度设计和业务开展等路径来拓展现代保险业服务社会、保障民生等新型功能。要以关注民生、应对风险社会挑战、服务社会为指导思想,以整合相关学科资源为手段,培养具有综合风险保障观和多学科专业技能的新型保险人才,为现代保险业的与时俱进发展提供人才保障。

英文摘要：

For the situation of current social risk and catastrophe risk in our country and a series of factors which restrict the development of the insurance industry in our country,this paper points out fundamental functions which are wedded to narrow insurance. Insurance talents in current models are gradually hard to adapt themselves to present situation the dual risk and restricting factors,which is not benefit to the development of our country economy. Based on this situation,this paper expands the functions of insurance industry,and then puts forward the research view of comprehensive risk security. Under the guiding ideology of paying attention to the livelihood of the people,a new theory framework to comprehensive risk security system is explored by applying interdisciplinary research method which synthesizes economy,mathematical statistics,management,psychology and other multidisciplinary theory. In the end,a final purpose that＇s to provide talents guarantee for keeping pace with the times to insurance industry by means of integrating related subjects resources and to cultivate new insurance talents which own comprehensive risk security view and interdisciplinary professional skills.