When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.
十七世纪时,人们发明了火险,当时存在很多质疑,因为任何人都可以烧毁他们的房子。
The whole city burned down, practically, in a terrible fire and fire insurance started to proliferate right after that in London.
大火几乎烧毁了整座城市,紧随着那场伦敦大火,火险订单的数量激增
Ideally, life insurance is insuring people-- or fire insurance is insuring people-- against independent events, so it's not the fire of London.
理想状态下,人寿保险,或者是火灾险,承保的对象都是独立事件,伦敦大火的例子不在讨论范围
I get fire insurance on my house and so I behave badly: I deliberately burn the house down to collect on my insurance.
我为我的房子投了火险,于是我就:,我故意烧毁房屋,以便领走保险金。
An insurance policy--the concept is very simple, we could talk about fire insurance or life insurance.
保单的概念其实很简单,我们可以谈谈火灾保险,或者人寿保险。
If a company were just a fire insurance company it would be a monoline insurance company.
如果一个公司仅提供火险,那它就是单线保险公司
The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.
有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付
Some people date fire insurance with the fire of London in 1666.
有些人将火险的历史追溯到,1666年的伦敦火灾
But you know, you kind of wonder if that's a good example for fire insurance because if the whole city burns down, then insurance companies would go bankrupt anyway, right?
但是你也许会疑惑,对于阐述火险来说,这是不是个好例子,因为如果整个城市被烧毁,那么保险公司就会破产,对吧
The classic example of moral hazard is with fire insurance.
道德风险的一个典型案例,就是火险。
Insurance pools risks like life risks or fire risks by writing policies to individual policyholders.
保险业分散风险是通过,与个人签订保险合同,比如寿险合同,或者火险合同
应用推荐