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保险公司经营保险业务,就是承担投保人转嫁的风险,投保人投保的个别保险标的,是否发生保险事故是偶然的。保险公司经营的数理基础是大数法则,当保险公司承保的保险标的数量非常多时,保险事故发生的概率趋于稳定,因而保险公司可以通过收取固定的保费对保险事故损失予以赔偿。但是保险公司的经营与其他企业的经营一样,其本身也存在风险。 一、保险公司的经营风险 保险公司的经营风险主要包括以下几种: 1、保险风险 保险风险又称定价风险,指保险事故的实际发生率高于制定保险费率时预期的保险事故
Insurance companies operating insurance business, is to assume the risk of the policyholders to pass on, the insured person to insure the individual insurance standard, whether the accident occurred accidental. The rationale for the insurance company’s operation is the law of large numbers. When the number of insurance subjects insured by the insurance company is very large, the probability of the occurrence of the insurance accident tends to be stable. Therefore, the insurance company can compensate for the loss of the insurance accident by charging a fixed premium. However, the operation of insurance companies is just as risky as that of other enterprises. First, the operating risks of insurance companies Operating risks of insurance companies include the following: 1, insurance risk Insurance risk, also known as pricing risk, refers to the actual incidence of insurance accidents higher than the expected insurance rates when the insurance rates