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作为一种社会经济制度,保险是一种社会化的安排。面临风险的人即广大被保险人通过保险公司组织起来,保险公司将风险损失资料进行集中分析管理,用统计方法来预测风险带来的损失,并用所有风险转移者缴纳的保险费建立起保险基金,来集中承担被保险人因风险事故发生造成的经济损失。这样,通
As a socio-economic system, insurance is a social arrangement. People who are at risk, that is, the majority of insured persons, are organized through insurance companies. Insurance companies conduct centralized analysis and management of risk-loss data, and use statistical methods to predict the losses brought about by the risks and establish insurance funds with the premiums paid by all risk-transferors , To focus on the insured person due to the risk of economic losses caused by the accident. In this way, pass