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一、可保性界定人类社会中存在的风险按其性质可分为纯粹风险和投机风险.纯粹风险是指风险事故的发生只能带来损失的一种风险,如洪水、火灾等,投机风险是指风险事故的发生既可能带来赢利也可能带来损失的一种风险,如赌博、买卖股票等.保险公司可承保的风险都属于纯粹风险,但并不是所有的纯粹风险都是可保风险,风险的可保性由客观和主观两方面的因素决定:首先,从客观方面来看,可保风险要满足大数法则,即满足下列条件:1.大量同质的风险存在,据此保险人能比较精确地预测损失的平均频率和程度;
First, the insurable definition of human society, the existence of risk according to their nature can be divided into pure risk and speculative risk.Pure risk refers to the occurrence of risk accidents can only bring a risk of loss, such as floods, fires, speculative risk Refers to the occurrence of risk accidents may bring profit may also bring a loss of risk, such as gambling, buying and selling stocks, etc .. Insurance companies are covered by the risk of pure risk, but not all the pure risk is insured The insurability of risk and risk is determined by both objective and subjective factors. First, objectively, insurable risk meets the law of large numbers, that is, the following conditions are met: 1. A large number of homogeneity risks exist, according to which The insurer can more accurately predict the average frequency and extent of losses;