风险分类,是现代商业保险的重要特征之一,具有经济上的正当性。然而,在现代社会,评价一项风险分类是合理的区分对待还是不公平的歧视,已不能仅仅以统计数据或精算为依据,而应考虑保险的社会功能、盛行的社会伦理观念等。如何对风险分类进行规制,最终取决于利益权衡和公共选择。 Risk classification is one of the important features of modern commercial insurance, with economic justification. However, in modern society, evaluating whether a risk classification is reasonable discrimination or unfair discrimination can no longer be based solely on statistics or actuarial considerations. Instead, it should consider the social functions of insurance and prevailing social ethics. How to regulate the risk classification depends ultimately on the trade-off between interests and public choice.