保险承保是指保险合同的订立过程,它主要包括:确定承保方针;对保险标的进行风险分析、测定、决定取舍;厘订费率;确定运用保险条款,签订承保合同(即保险单)。承保在保险关系链中起着承上启下的核心作用。它既是展业工作的结果,又是分保、防灾减损和理赔等后续工作的前提和基础。由此可见,保险人经营活动周期的实质启动是以承保开始的,只有承保面不断扩大、险种不断更 Insurance coverage refers to the process of establishing an insurance contract. It mainly includes: determining the coverage policy; conducting risk analysis, measurement and decision-making on the subject of insurance; fixing the rate; and determining the application of the insurance clause and signing the underwriting contract (ie insurance policy). Underwriting plays a central role in the insurance chain. It is not only the result of exhibition work, but also the premise and foundation of the follow-up work such as reinsurance, disaster prevention and reduction and claims settlement. Thus, the insurer’s business activity cycle starts with the actual start of the underwriting, and only underwriting continues to expand, more and more insurance