论文部分内容阅读
保险业作为市场经济中一支精巧的平衡器,需要大量利用社会统计信息。甚至可以说,保险作为一种经济行为也就是建立在社会统计信息的基础之上。这里指的是在科学指导意义下,符合一定的国家法规,按一定国情制定的保险行为。对保险人来讲,开办未来不可能发生的风险的保险业务是一种欺诈;对被保险人来讲,谁也不会对予期不可能发生的风险付出代价。这就需要双方深入了解这方面的统计信息。
As an elaborate balancer in the market economy, the insurance industry needs to make extensive use of social statistics information. It can even be argued that insurance as an economic activity is based on social statistics. Here refers to the scientific guidance, in line with certain national laws and regulations, according to a certain national conditions of the insurance act. For the insurer, it is a fraud to start an insurance business that is unlikely to happen in the future; for the insured, no one will pay for the risk that is not expected to expire. This requires both parties to have an in-depth understanding of this statistical information.