关于风险与保险的辩证思考

A Dialectic Refection on Risks and Insurance

"风险"与"保险"的内涵十分丰富,不能形而上学地理解和定义。结合保险发展和公司经营的客观情况,对现在流行的一些观点,如风险是损失产生的不确定性、风险的后果一定是可以用货币计量的经济价值的损失、"可保风险"就是保险公司可以承保的风险、保险的功能仅仅是赔偿或给付保险金、保险公司仅仅是风险管理者等进行辩证思考,有助于进一步加深时风险与保险、风险管理与保险经营的认识,对于引导和促进保险业健康发展具有积极的理论价值和现实意义。

The concepts of risk and insurance appear frequently in various insurance textbooks and journals, Both of them have rich connotation, and should not be understood or defined metaphysically. Taking into account the actual situation of the insurance industry and insurers＇ operation, the current concepts on risks and insurance, such as the notions that risks are the uncertainty of occurrence of losses, the consequence of risks is measurable in monetary terms, insurable risks are risks that insurers can cover, the function of insurance is to compensate for losses or pay out the due benefits, and insurance companies are risk managers only, etc. should be reflected on dialectically. Further in-depth understanding of insurance and risks and insurance operation and risk management is of theoretical value and practical significance for healthy development of the insurance industry.