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保险是生产和经营特殊商品的行业，保险企业的生产投入也是一种特殊的投入，它不是物质资料的转移和物质资料的生产过程，而是人在保险商品的研制、开发经营等劳动过程中创造价值和非物质消费品的生产过程，是知识含量较高的人力资本的作用过程。正是从这个意义上讲，从资本运动的角度，结合保险商品的生产和经营过程，研究保险企业人力资本的投入及人力资源部合理配置具有特殊的意义。
Insurance is an industry that produces and manages special commodities. It is also a special investment in the input of the production of insurance enterprises. It is not the transfer of material information and the production process of material information. Instead, people work in the process of research, development and management of insurance products, The process of creating value and the production of non-material consumer goods is the process of human capital with a high level of knowledge. It is in this sense that it is of special significance to study the input of human capital and the rational allocation of human resources in the insurance industry from the perspective of capital movement and the production and management of insurance products.