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【考点指津】1.商业保险不同于社会保障制度中的社会保险社会保险是由国家立法强制实施的,属于政府行为,是一种福利事业,具有非营利性质。其出发点是为了保障劳动者的基本生活、维护社会稳定、促进经济发展。社会保险完全由国家负担或者国家、用人单位和个人三者承担。商业保险的保险人与被保险人之间完全是一种自愿的契约关系;购买商业保险属于规避风险的投资行为。商业保险受市场竞争机制制约,政府要依法对商业保险进行监管,以保护投保人的利益。2.投资收益与投资风险注意把握几种不同投资行为的特点。如储蓄存
】 【Test points refers to the 1. Commercial Insurance is different from the social security system in social insurance Social Security is enforced by national legislation, is a government act, is a kind of welfare, non-profit nature. Its starting point is to protect the basic livelihood of workers, maintain social stability and promote economic development. Social insurance is entirely borne by the state or by the state, the employer and the individual. Commercial insurance insurers and the insured is a completely voluntary contract between the purchase of commercial insurance is a risk-avoiding investment behavior. Commercial insurance is restricted by the market competition mechanism. The government should supervise commercial insurance according to law in order to protect the interests of policyholders. 2. Investment income and investment risk Attention to grasp the characteristics of several different investment behavior. Such as savings