企业自留风险与投保利弊分析

Analysing Advantages and Disadvantages between Privately Owned Risk and Entering Insurance

本文比较了企业面临风险选择自留或投保的利弊得失 ,探索了在我国建立辅助性保险组织的可行性 ,最后结合当前实际 ,分析了现阶段我国企业投保倾向降低的原因并对保险公司提出了政策建议。

Facing risk, enterprises choosing privately owned risk or entering insurance may bring them some advantages and disadvantages, which is compared in this thesis. Drawing on the experience of developed coutries, I discussed the reality of setting up auxiliary insurance organizations in China. At last by combining with currrent actuality I analyse the reasons of enterprises’ weakening tendency of entering insurance and recommend policies for insurance companies.