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保险的职能是对企业或个人因自然灾害或意外事故所导致的损失进行经济补偿。保险公司根据风险的客观性与或然性运用慨率论和大数法则,实行企业化经营。由于对自然灾害或意外事故的界定困难或者由于对某些自然灾害或意外事故缺少统计资料,一般商业保险公司所承保的风险都是列举式的、可保的风险。在理论上我们界定可保风险应符合以下条件:(1)大量同质风险存在;(2)损失必须是意外的;(3)损失必须是
The function of insurance is to make financial compensation for the losses caused by natural disasters or accidents caused by enterprises or individuals. Insurance companies based on the objectivity of the risk and the possibility of using the generous theory and law of large numbers, the implementation of enterprise management. The risks that general commercial insurers cover are enumerated and insurable risks due to difficulties in defining natural disasters or accidents or lack of statistics for certain natural disasters or accidents. In theory, we define the insurable risk should meet the following conditions: (1) a large number of homogeneous risk exists; (2) the loss must be accidental; (3) the loss must be