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现代保险的功能是一个历史演变和实践发展的过程。随着人类社会的发展和对客观世界认识能力的提高,保险的功能不断丰富和发展。商业保险最初起源于 14世纪后半叶意大利的海上保险,是在中世纪各类行会和贸易组织合作保险计划的基础上发展
The function of modern insurance is a process of historical evolution and practice. With the development of human society and the improvement of the understanding of the objective world, the function of insurance is constantly enriched and developed. Commercial insurance originated in Italian maritime insurance in the second half of the 14th century and developed on the basis of cooperative insurance schemes of various types of guilds and trade organizations in the Middle Ages