人类社会从诞生伊始,就面临着各类自然灾害和社会风险的侵扰。如何趋利避害,是不容回避的重大问题。保险作为管理风险的市场化机制和社会化安排,是历史上最重要的制度发明之一。一部商业保险发展的历史,就是人类社会风险管理的历史,就是市场经济发展壮大的历史。保险 Since the birth of human society, all kinds of natural disasters and social risks have come into being. How to profit and avoid disadvantages is an unavoidable major issue. As a marketization mechanism and social arrangement to manage risk, insurance is one of the most important system inventions in history. The history of the development of a commercial insurance is the history of human social risk management and the history of the market economy. Insurance