反思世界保险业从9.11事件的发生到现在,已经近两个月了。虽然人们的痛苦仍未结束,但我们应当冷静地思考,保险业作为职业从事风险管理的机构,应当如何面对突发事件。保险业是通过收取保费形成保险基金,当发生保险事故的时候,对受害者的经济损失按照约定的水平予以补偿。每一个风险单位通过购买保险,把风险转移给保险公司,保险公司再把这些风险在众多的被保险人之间予以分散。如果一个保险公司承保的风险超过了它管理风险的能 Reflecting on the world insurance industry has been nearly two months since the outbreak of the September 11 incident. Although people’s suffering is still not over, we should calmly think about how the insurance industry as an organization engaged in risk management should face unexpected incidents. The insurance industry forms an insurance fund by collecting premiums. When an insurance accident occurs, the economic losses of the victims are compensated according to the agreed level. Each unit of risk transfers the risk to the insurer by buying insurance, which the insurer then distributes among many insureds. If an insurer insures more than it can manage the risk