将个体面临的风险由群体来分担,这就是保险。以经营保险业务为主的经济组织就是保险公司。我们通常说的保险是指商业保险,它是保险公司按照自愿原则,根据保险合同。向投保人收取保费,并实现损失补偿或人身给付的一种经济保障活动。它与社会保险是不同的,社会保险是指在既定的社会政策指导下,由国家通过法律手段对全体劳动者强制征缴保险基金,用以对其中丧失劳动能力或失去劳动机会的成员提供基本生活保障的一种社会保障制度。保险公司的保户越多,承保范围越大,风险就越分散,也才能够在既扩大保险保障的范围,提高保险的社会效益的同时,又集聚更多的保险基金,为经济 To share the risks individuals face, this is insurance. Economic organizations that operate insurance business are insurance companies. We usually say that insurance refers to the commercial insurance, which is the insurance company in accordance with the voluntary principle, under the insurance contract. To the policyholders to collect premiums, and compensation for loss or personal provision of an economic security activities. It is different from social insurance. Under the guidance of established social policies, the state refers to the mandatory collection of insurance funds by all state employees through legal means, so as to provide a basic guarantee for those members who lose their ability to work or lose their labor opportunities A social security system for living security. The more the insurance company’s policyholders, the greater the scope of coverage, the more dispersed the risk, it can not only expand the scope of insurance coverage, improve the social benefits of insurance at the same time, they gather more insurance funds for the economy