文章从效用主义角度出发,运用预期理论,论证基本保险与补充保险需求产生的原因;在帕累托改进原则下,推导出为满足这种需求应采取的供给机制,并运用数学工具给予了可行性证明。认为,基本保险是针对共同风险,可以强制性普遍实施的保险制度;补充保险是针对特殊风险需求,可根据自愿性,有选择地实施的保险制度。 From the perspective of pragmatism, this paper uses the theory of anticipation to prove the causes of the basic insurance and supplementary insurance needs. Under the principle of Pareto improvement, the supply mechanism to meet this demand is deduced and the feasibility of using mathematical tools is given Proof of sex. In the opinion of the author, the basic insurance is a common insurance system that can be implemented universally and coercively. The supplementary insurance is a voluntary insurance system that can be implemented selectively and voluntarily for special risk needs.