可保风险的选择及其度量模型研究  

On the selection of insurable risk and the measurement models

作　　者：汪祖杰[1] 

机构地区：[1]南京审计学院,江苏南京210029

出　　处：《保险研究》2008年第6期26-28,22,共4页Insurance Studies

摘　　要：可保风险的传统理论是指不具有风险收益的"纯粹风险",但此定义具有较多缺陷。可保风险还需要从实现成本、合同条款、法律原则来考察其供给条件。可保风险的内涵可以从产品经济为主到产权或服务经济为主的经济结构的演变过程加以界定。现代保险学要从金融与保险的融合角度研究可保风险的内涵和外延。可保风险原理对保险创新具有重要的指导作用。Insurable risk is traditionally defined as ＂pure risk＂ which doesn＇t involve possibilities of gains. This definition, however, carries some defects because it neglects some important factors such as the cost, clauses and legal principles. As the product economy have evolved into a property-rights based one or service-dominant one, we need to redefine insurable risk to catch up. This article points out that we should take ＂risk pooling＂ principle and ＂optimal insurance cost＂ model as the guidelines to decide whether a certain risk is insurable. As these two models will evolve with the development of the intention and extension of the concept of insurable risk, they are valuable to insurance innovation.

关 键 词：可保风险 选择 度量模型 

分 类 号：F840.32[经济管理—保险]