I. Fundraising function
The function of financing is to reinvest the idle part of insurance funds into the process of social reproduction. In order to make the insurance business stable, the insurer must ensure the appreciation and preservation of insurance funds, which requires the insurer to use insurance funds.
Third, the economic compensation function of the organization.
From the perspective of economics, insurance is a way of loss distribution. The insurance fund is established with the premiums paid by most units and individuals, so that the losses of a few members are shared by all the insured.
Extended data:
Insurance risk refers to risks or accidents that have not yet occurred and can cause damage to the insured, such as natural disasters, accidents or events. Events regarded as insurance risks are possible and accidental.
Risks always exist and must be solved (such as illness, mortgage and car loan, children's education support, etc.). ).
Buying insurance is one of the oldest risk management methods. In case the risk comes, we can handle it more calmly and control the loss so as not to constitute a major family crisis. On the contrary, it may be necessary to directly face the impact of risks with all income or all property.
In the insurance contract, the insured pays a certain amount of insurance premium to the insurer. The former guarantees to compensate the insurer for any loss caused by a specific event or a group of events within a specified time.
Insurance belongs to the economic category, which reveals the essence and essence of insurance. Insurance is essentially an economic relationship. Commercial insurance can be roughly divided into property insurance, life insurance, liability insurance, credit insurance, allowance insurance and marine insurance.
According to the insurance scope, it can be divided into life insurance, property insurance, liability insurance and credit guarantee insurance.
1, fire refers to the property stored in a certain range that is basically in a static state, such as machinery, buildings, various raw materials or products, household appliances and other losses caused by fire.
2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance among various insurance businesses. The insurer shall be responsible for the loss of the subject matter insured caused by maritime perils.
3. Cargo transportation insurance is a kind of cargo transportation insurance except maritime transportation. It mainly includes the loss of goods in inland, inland, coastal and air transportation.
4. Engineering insurance covers all unexpected losses in various engineering projects and personal and property losses of third parties.
Baidu encyclopedia-insurance
Baidu Encyclopedia-Insurance Risk