64体育


保險的來源

現(xian)(xian)代(dai)意(yi)義上(shang)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian),最(zui)初產生于海(hai)上(shang)運輸的(de)(de)需(xu)要。遠在(zai)公(gong)元(yuan)前2000年(nian),航(hang)行在(zai)地中海(hai)的(de)(de)商人(ren)(ren)在(zai)遇(yu)海(hai)難時,為(wei)避免船只和(he)貨物同歸于盡, 形(xing)成(cheng)“一人(ren)(ren)為(wei)大(da)家,大(da)家為(wei)一人(ren)(ren)”的(de)(de)共同海(hai)損分攤原則,成(cheng)為(wei)海(hai)上(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)萌(meng)芽。最(zui)早的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)單,是熱那(nei)亞商人(ren)(ren)勒克(ke)維倫于1347年(nian)10月23日開立的(de)(de)承擔“圣克(ke)維拉”號(hao)船從熱那(nei)亞至(zhi)馬喬卡的(de)(de)航(hang)程保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)單。 1676年(nian)成(cheng)立的(de)(de)漢堡火(huo)災保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)社是最(zui)早的(de)(de)專(zhuan)營(ying)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)組(zu)織。18世紀后,保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業迅速發展(zhan),保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)種類增加。到(dao)了19世紀,保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)進入現(xian)(xian)代(dai)時期(qi),保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)對象和(he)范圍(wei)不僅包括傳統(tong)的(de)(de)財產損失和(he)人(ren)(ren)身傷亡,而且擴展(zhan)到(dao)生存保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、責任保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)和(he)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)等業務。

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64体育