商品本身都包含有质量、价格和服务的一般特征,保险单以一种特殊的商品形式存在,是一种买卖合同的契约,同样也应具有商品本身的特征。既然保险单是一种特殊的商品,那么保险这种商品在经营中尚有不同于一般商品的特征,如负债性、保障性、射幸性等,这些特征决定了保险商品的经营又不同于一般商品的经营。如保险公司通过收取保费建立起来的保险基金很大一部分是 The commodity itself contains the general characteristics of quality, price and service. The insurance policy exists as a special kind of commodity. It is a contract of sale and purchase and should also have the characteristics of the commodity itself. Since the insurance policy is a special kind of goods, the characteristics of the insurance products which are different from the general goods in the management, such as indebtedness, indemnity, progenitive, etc., determine that the operation of the insurance goods is different from the ordinary Commodity management. A large part of insurance funds such as insurance companies are set up by collecting premiums