我国城市家庭商业保险投保策略研究——以北京市为例

A Study on the Insurance Policy of Urban Family Business Insurance in China: A Case Study of Beijing

摘要: 保险进行风险分散的基本原理，就是建立在风险的偶然性与必然性这对矛盾对立统一的基础之上的。商业保险将众多可能遭受相同风险的被保险人集合起来，通过收取的保费建立保险基金，以分摊少数不幸的被保险人遭受的损失，从而达到分散风险的目的。课题组通过实证调查研究，对城市商业保险的问题进行剖析，并提出相关的政策建议。

Abstract: The basic principle of insurance risk diversification is based on the contradictory unity of the contradiction between the contingency and necessity of risk. Commercial insurance brings together a large number of insured persons who may be subject to the same risk, and establish insurance funds through the premiums collected to share the losses suffered by a few unfortunate insured persons, thereby achieving the purpose of diversifying risks. The research team analyzed the problems of urban commercial insurance through empirical investigation and research, and put forward relevant policy recommendations.