收益损失保险 insurance of profit loss
- 从产权经济学的视角对保险的本质进行了重新的审视,认为保险的本质在于通过对保险费产权集合的占有,然后让渡部分保险费的经济收益权,来达到转移风险、分担损失的目的;然后从保险的这种产权特性分析了保险发展过程中的形态演变趋势。
Newly analyzed the essence of insurance,pointed out that the essence of insurance was possessing the property right aggregate of insurance premium,and partially enfeoffing the economic returns right of insurance premium;then,analyzed the evolvement of insurance from the property right characteristic. - 本文质疑了期望效用理论在保险学中的分析,并用前景理论来解释保险业务,提出购买保险产品者在面临收益时是风险偏好的,在面临损失时是风险规避的观点。
This paper oppugns the analysis of expect utility theory, uses prospect theory to interpret insurance, and points out that insurance buyer is risk seeking when facing gains and risk averse when facing lose. - 总的来说,保险收益不是有以下情况来决定的,分别为公司是否能从安全到达的托运物和搬运架中取得利润或者说当托运物丢失、损坏或延迟到达时公司是否会有所损失。
Generally speaking, insurable interest does not depend upon whether a company will benefit from the safe arrival of the carrier and its cargo or whether the firm will be injured by its loss, damage, or detention.
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