The purpose of mutual aid and cooperation organizations. For example, mutual fund organizations in the pyramids of ancient Egypt and funeral mutual aid associations in ancient Rome; There were craftsmen's guilds, merchants' guilds, religious guilds and rural guilds in the Middle Ages. protect
Insurance and mutual insurance have both similarities and differences.
Mutual insurance is not an individual behavior, but a group behavior. Its origin and expansion are concentrated on the consent of many people, which is the common demand of every insured person. protect
The selection and determination of insurance items need to conform to the wishes of most participants. However, it is completely voluntary in mobilizing individuals to participate in insurance, and it is not forced in any way or in disguised form, so its emergence and development have official groups.
Public foundation.
It is an organization initiated by the masses spontaneously, raising funds to help each other. Its basic point lies in mutual help and self-help from time to time. This kind of mutual assistance is different from the compulsion of national laws and regulations, and it is also different from subjective self-protection. Instead, we use the law of "law of large numbers" to help most people * * * the losses of a few specific people, which is the basis of mutual insurance.
Mutual insurance is initiated by non-governmental organizations and always appears in the form of self-management and government encouragement. The management and operation of the fund aims at social welfare and is a form of seeking welfare for employees.
Mutual insurance is democratic and flexible. Mutual insurance is based on the insured's democratic leadership decision-making in fund raising, the determination of security level, the choice of security items, the preservation and appreciation of principal, etc. It is a kind of security insurance with low investment and high compensation.
At the same time, mutual insurance is between social insurance and commercial insurance, which can absorb the advantages of both and avoid their disadvantages, with strong usability and simple operation. Due to the unbalanced economic development, different industries, industries and enterprises in different regions can flexibly establish insurance types and payment methods according to their own actual conditions, so they can have their own characteristics and various forms.