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保险名词和术语是对保险现象的概括。科学、准确地解释保险名词和术语的含义,对于保险人和被保险人在保险活动中减少分歧,形成共识具有重要作用。笔者在工作中读到两个保险术语:一个是危险单位,另一个是射幸契约。经查保险辞典和保险教科书,其对危险单位的解释各有一套,令人莫衷一是。而对射幸一词的由来和本意又未予解释。为此,笔者又寻读了其他资料,并对这两个术语作了一番分析,现就此谈点个人见解,以求教于同仁。
Insurance terms and terminology is a generalization of insurance. Scientifically and accurately explain the meaning of insurance terms and terms, for the insurer and the insured in the insurance activities to reduce differences and form a consensus has an important role. I read in the work of two insurance terms: one is a dangerous unit, the other is a shot fortune contract. After checking the insurance dictionary and insurance textbooks, the interpretation of the dangerous units have a set, it is incomprehensible. The origin and meaning of the word “lucky” has not been explained. To this end, I also read other information, and made some analysis of these two terms, now on personal point of view, in order to teach colleagues.