近几年来,“人情赔款”如同“洪水猛兽”一样,困扰着保险系统的干部职工,致使保险企业的赔付率连年居高不下,骗赔、假赔案件增多,企业经营效益不断滑坡,保险防灾补损的作用发生严重错位,这不仅毁掉了一些干部职工,而且严重地败坏了保险企业的声誉,干扰和破坏了保险事业的健康发展.为了有效地制止“人情赔款”,有必要对其本质、形式、特点和危害性进行一番分析,以期引起保险业同仁的关注.一、“人情赔款”在本质上具有交换性.“人情赔款”并非有真情.因为它完全不同于社会公德条件下人与人之间的互相帮助,更不具备助人为乐的共产主义风格,而是一种互利互用、互相交换的权钱交易.你有初一,我有十五,你能在赔款时为我帮忙,我就能在其它方面为你出力补偿.总之他们都是以国家利益为代价,以变通或非法的手法谋求合法,千方百计慷国家之慨.钻法律和规章制度的空子,侵吞国家财物.二、“人情赔款”在形式上具有多样性.“人情赔款”表现在形式上,是多种多样的.有的人为了达到骗取赔款的目的,不惜甜言蜜语诱惑,金钱礼物拉拢,低三下四奉承、凭权依势压制;有的人既注重“感情投资”,又注重物质刺激,把人情与金钱融在一起,由开始‘一顿饭,一条烟、一瓶酒小意思”,逐步加大投入;有的找熟人,托亲友到处游说,总要通过? In recent years, “human emotion indemnity” as “a scourge of beasts,” cadres and workers who plagued the insurance system, resulting in the insurance company’s payout rate in recent years high, cheat compensation, increasing the number of counterfeit claims, corporate profits continue to decline, insurance disaster prevention This not only destroyed some cadres and workers, but also seriously undermined the reputation of insurance companies and disrupted and undermined the healthy development of insurance business.In order to effectively stop the “human rights indemnity,” it is necessary to its The nature, the form, the characteristic and the harmfulness to carry on theanalysis, in the hope of arousing the concern of the insurance colleague.First, the “human indemnity” has the exchangeability in essence.The “human indemnity” does not have the true condition.Because it is completely different from the social morality condition Under the mutual help between people, but not helpful communism style, but a kind of mutual benefit, mutual exchange of power and money transactions.You have the first day, I have fifteen, you can pay When I help, I will be able to work out for you in other aspects of compensation.In short, they are all at the expense of national interests, workarounds or unlawful ways to seek justice, do everything possible to generous the country The laws and regulations of the loopholes in the embezzlement of state property .In two, the “human indemnity” in the form of diversity. “Humanitarian indemnity” in the form, is varied .Someone in order to achieve the purpose of cheating claims , At the temptation of sweet talk, money gift draw, low flatter four flattery, with the right to suppress by the situation; some people not only pay attention to “emotional investment”, but also focus on material stimulation, the human and money together, from the beginning ’a meal, a cigarette , A bottle of wine meaning "and gradually increase investment; some find acquaintances, care friends and relatives lobbying, always through?