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保险是种科学的制度安排不是空话,adidas barricade tennis shoes
     我们首先需要达到这样一个共识:即在现代社会中,人类在整体上面临着生老病死残等各种风险。我经常问周围三四十岁或年龄更大的朋友,保险是种科学的制度安排不是空话,请他们回忆一下所认识的同事、朋友、亲戚当中,有没有得过重大疾病(癌症)或者碰到重大伤害(车祸)的?
    从业十几年来,我始终抱着一个观点,就是“如果没有保险制度,会让没有遭遇人生风险的人也面临财产损失”。可能很多人理解不了,让我来详细解释:假设你有100万元现金,你此时是平平安安的,没碰到什么问题,但是你也可能有财产损失!为什么呢?
     所以说,“如果没有保险制度,会让没有遭遇人生风险的人也面临财产损失”,就是这个道理,adidas velcro shoes。因此,我的观点是,除了自己要买保险,还要让身边所有的人都买保险。
     现在,同样的情况,假设你这位亲人或朋友为自己购买了足额的保险,那么他就能够用保险赔款来解决问题,而你的财产也不会面临损失。此外,对于发生重病或者意外的人来说,从保险公司获得赔偿和从亲人朋友处接受馈赠,其心理感受也是不一样的,tory burch nylon tote,前者是制度所决定的,是必然的;而后者可能会给人带来心理上的内疚,面对难以偿还的人情债。
“保险是一种科学的制度安排”作为学术性的定义,它不是一句空话。在这里,我们不谈学术问题,但我觉得有必要把这句话阐释清楚。
     想象如果你的亲人和朋友里面,有一个人患了重病或者发生意外,需要100万元现金,周围的人知道你手头有这些钱,只要你拿出钱来就可以解决问题,那么,虽然这100万元是你多年的积蓄,但我相信很多人出于善良和道义,最后会选择拿出钱来,至少会拿出一部分。
     可以说90%以上甚至100%的回答是肯定的,这说明人类的风险是必然的。问题是人类如何用一种最科学的制度来解决必然要面对的人生风险呢?这是一个命题。而答案就是:保险制度是“唯一”的“科学”解决办法――除了保险制度以外,我们找不到第二种办法能够更有效地解决这个问题。
     要真正全方位理解保险这一制度安排,需要我们每个人仔细思考,这里不展开说了。请大家相信:保险已经在市场经济最发达的国家存在了几百年,依然蓬勃发展,肯定有其存在的理论基础和现实基础。
    设想一下,adidas wrestling shoes,我们身边是否经常发生这样的事情:一个人患了重大疾病,要花50万元医疗费,于是单位会组织大家募捐。募捐这种做法不是一项制度,同时它也会带来很多副作用,而如果用一种制度来预先安排这种风险,那么,在这个制度内,这些问题会自然而然得到解决,情况就会很不同。
                                                                  刊发于2010-06-08《第一财经日报》
     保险制度是建立在大数法则基础上来应对人类所面临的人生风险的制度安排。这种制度能够解决人类内心对于生老病死的焦虑,为人们带去祥和与安宁。那么,怎样理解制度安排和非制度安排的差别呢?
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