时下,保险业红火,险种繁多,成为社会保障的重要组成部分。现代意义上的保险,最初源于航海。 远在公元前2000年,航行在地中海的商人在遭遇海难时,为避免船只和货物同归于尽,便往往抛弃部分货物,然后损失由各方分摊。于是,形成了“一人为大家、大家为一人”的共同分摊原则,也是海上保险的萌芽。 最早的保险单,据说也是出现于海船上。那是热那亚商人勒克维伦于1347年10月23日开立的承担“圣克维拉”号船从热那亚到马乔卡的航程保险单。 Nowadays, the insurance industry is prosperous with a great variety of insurances and has become an important part of social security. Insurance in the modern sense, originally originated in navigation. As far back as 2000 BC, merchants sailing in the Mediterranean were often forced to abandon parts of their cargo when the shipwrecked shipwrecked, in order to avoid the loss of the vessel and the cargo, and then the losses were apportioned by all parties. Thus, the formation of a “one for all, we are one” principle of shared assessment, but also the seeds of marine insurance. The earliest insurance policy is said to have appeared on the sea. That was the voyage insurance policy of Gennady businessman Lucknow on October 23, 1347, from Genoa to Maccabiho carrying the “Sanctuary of Villar”.