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  3. insurance

insurance

admin2017-10-23  94
问题 insurance
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答案Insurance is a social device in which a group of individuals transfer risk and provide for payment of losses from funds contributed by all members who transferred risk．Insurance is a risk transfer mechanism．Those who transfer risk are called insureds．Those who assume risk are called insurers．
解析 首先，保险是一种社会机制，人们在此机制下转移风险，并从所有转移风险的成员所交纳的基金中提供损失赔偿金。第二，保险也是一种风险转移机制。第三，转移风险的人称为投保人，承担风险的人称为承保人。
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