保险是根据大数法则的原理分散集中性风险,进而在全社会范围内实现风险转移。然而,通过保险方式转嫁的财产损失,仅仅是被保险人面临风险的冰山一角。当风险发生时,被保险人除了遭受直接的财产损失外,还将面临公司声誉、投资者信心、股东利益、市场占有率、竞争环境、社区及雇主关系等各个方面损失。这些损失大多属于隐性损失,往往导致被保险人商业运作的中 Insurance is based on the principle of law of large numbers decentralized risk, and then in the whole society to achieve the risk transfer. However, the loss of property passed through insurance is just the tip of the iceberg at which the insured is at risk. When the risk occurs, the insured person will face loss of direct property, but also face losses in various aspects such as corporate reputation, investor confidence, shareholders’ interests, market share, competitive environment, community and employer relationship. Most of these losses are hidden losses, often resulting in the insured business operations