在对外贸易业务中,进出口通常都需要办理保险来分散风险。要保险,就须向保险公司缴纳保险金。 一般来讲,保险公司总是赢利的。但就某一投保者而言,有时也未必吃亏。这是什么道理呢?简言之,投保一次,就好象作一次概率试验。少量试验的结果未必能反映出发生险情的概率,但对作大量“试验”的保险公司而言,由于出险率小于保险费率,付出的赔偿金总额总是大大少于收到的保险金总额。 In foreign trade, import and export usually require insurance to diversify risks. To insure, you must pay the insurer insurance. In general, insurers are always profitable. However, in the case of a certain insured person, it may not always be a disadvantage. What is the rationale? In short, insuring one time is like making a probabilistic test. The result of a small number of tests may not necessarily reflect the probability of a dangerous situation, but for a large number of “test” insurers, the total amount of compensation paid is always significantly less than the total amount received because the rate of insured is less than the premium rate .