保险科技浪潮下传统保险理论的变与不变  

Change and Changelessness of Traditional Insurance Theory under the Wave of Insurance Technology

作　　者：丁北晨 Ding Beichen

机构地区：[1]复旦大学经济学院,上海200000

出　　处：《保险职业学院学报》2021年第2期31-34,共4页Journal of Insurance Professional College

摘　　要：本文选取学界较为关注的传统保险理论,分风险管理理论和保险理论两部分,以理论分析和案例分析的方法,对保险科技浪潮下传统保险理论的变与不变进行论述。本文认为,保险最本质的理论如大数定律、四大基本原则是保险经营运作的基石,科技是为了更好地去应用这些理论。而在保险发展过程中的逆选择和道德风险理论、对风险的定义,以及保险参与风险管理方式等理论则会顺应保险科技的发展而得到改变。In this paper,the traditional insurance theory,which is concerned by the academic circle,is divided into two parts:risk management theory and insurance theory.By means of theoretical analysis and case analysis,the change and changelessness of traditional insurance theory under the wave of insurance technology are discussed.It is held that the most essential theories of insurance,such as the law of large numbers,and the four basic principles are the cornerstones of insurance operation,and science and technology are to better apply these theories.However,the theory of adverse selection and moral hazard,the definition of risk,and the way insurance participates in risk management will be changed in line with the development of insurance technology.

关 键 词：保险科技 保险理论 风险管理理论 

分 类 号：F840.3[经济管理—保险]