浅析保险交换的等价问题

Discussion on the Equivalent Value of Insurance Exchange

保险作为一种特殊商品,其交换的等价问题广受争议,本文将被保险人划分为单个被保险人和被保险人集合两个层次,通过逐个分析被保险人集合与保险人双方用以交换的价值构成,得出二者之间的交换属于等价交换,通过分析使用保险的替代产品转移风险所需的成本,对比得出使用保险产品达到同样的效果所耗费的价值是合理的,因此单个被保险人与保险人之间的交换也是等价的。

Insurance is a special commodity, there are many debates on the equivalent value of its exchange. This paper classifies the insured into two categories, i.e.the individual insured and the collective insured. By analyzing the value compositions through which the collective insured and the insurer make exchange, it shows that the exchange between the two parties is equivalent exchange. An analysis of the cost of substitute for insurance to transfer risks shows that the value is reasonable for the same effect by means of insurance products, therefore, it can be concluded that the exchange between the individual insured and the insurer is also equivalent.