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一、新型风险不断出现,一些传统不可保风险正在成为可保风险 和历史及传统的认识相比,风险及风险管理的内容和含义正在发生着迅速的变化。为适应迅速变化的市场和环境,近年来,世界范围内的保险人、保险经纪人、政府保险机构及民间保险组织已经在综合风险管理、非传统风险转移工具的开发、财务风险控制、新型保险险种的设计等方面进行了大量的创新,保险的范围已经由传统意义上的纯粹风险转向了非纯粹风险。这一转变,将给未来保险业的理论基础和技术带来革命性的影响。
First, emerging risks continue to emerge. Some traditional unsecured risks are becoming insurable as compared to historical and traditional understandings. The content and implications of risk and risk management are rapidly changing. In recent years, insurers, insurance brokers, government insurance agencies and non-governmental insurance organizations worldwide have been engaged in comprehensive risk management, development of non-traditional risk transfer tools, financial risk control, new types of insurance to adapt to rapidly changing markets and environments. A great deal of innovation has been carried out in the design of insurance types and so on. The scope of insurance has shifted from purely traditional risk to non-pure risk. This shift will revolutionize the theoretical basis and technology of the insurance industry in the future.