商業保險按保險標分

人身保險

人身保險種類

按保險責任分類

（1）意外傷害保險：當被(bei)保(bao)者的(de)身體由于保(bao)險(xian)合同保(bao)障的(de)意(yi)外事(shi)故遭受(shou)傷害導致損失時(shi)，保(bao)險(xian)公司會依據保(bao)險(xian)合同的(de)約定(ding)賠付(fu)意(yi)外保(bao)險(xian)金。

（2）壽險：壽(shou)險(xian)(xian)(xian)還能(neng)細分為定(ding)期壽(shou)險(xian)(xian)(xian)、終身壽(shou)險(xian)(xian)(xian)、兩全保險(xian)(xian)(xian)、年(nian)金(jin)保險(xian)(xian)(xian)，當被(bei)保者生存到約(yue)定(ding)的時間(jian)(jian)或在約(yue)定(ding)的時間(jian)(jian)內(nei)身故的，保險(xian)(xian)(xian)公司會給付一(yi)筆錢給保險(xian)(xian)(xian)受益人(ren)。

（3）健康保險：還可分為(wei)重(zhong)大疾病保(bao)(bao)(bao)險(xian)(xian)、住(zhu)院醫療(liao)保(bao)(bao)(bao)險(xian)(xian)、意(yi)外(wai)傷害醫療(liao)保(bao)(bao)(bao)險(xian)(xian)等(deng)，其保(bao)(bao)(bao)險(xian)(xian)標的(de)(de)(de)是人的(de)(de)(de)身體，當被保(bao)(bao)(bao)者發生保(bao)(bao)(bao)險(xian)(xian)合同保(bao)(bao)(bao)障的(de)(de)(de)疾病或意(yi)外(wai)事故(gu)所產(chan)生費(fei)用或損失時，保(bao)(bao)(bao)險(xian)(xian)公司會承擔事先約定的(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)金的(de)(de)(de)給付義務(wu)。

按保險期間的不同分類

人身保(bao)(bao)險(xian)(xian)可以(yi)分為(wei)保(bao)(bao)障(zhang)期(qi)(qi)在一(yi)年(nian)以(yi)下的短(duan)險(xian)(xian)以(yi)及(ji)保(bao)(bao)障(zhang)期(qi)(qi)超(chao)過(guo)1年(nian)的長期(qi)(qi)險(xian)(xian)（如保(bao)(bao)障(zhang)5年(nian)、10年(nian)、30年(nian)等）。

按承保方式分類

人(ren)身保(bao)(bao)險(xian)有團(tuan)體(ti)保(bao)(bao)險(xian)和(he)個人(ren)保(bao)(bao)險(xian)之分。團(tuan)體(ti)保(bao)(bao)險(xian)一(yi)般是(shi)單(dan)位或企業(ye)給自身的(de)(de)全體(ti)職(zhi)工(gong)配(pei)置的(de)(de)，保(bao)(bao)單(dan)只有一(yi)張，被保(bao)(bao)者一(yi)般是(shi)5人(ren)以上。個人(ren)保(bao)(bao)險(xian)是(shi)指被保(bao)(bao)者為1人(ren)的(de)(de)產品，一(yi)般是(shi)家庭成員配(pei)置的(de)(de)。

按分紅紅利分類

人身保(bao)(bao)險(xian)(xian)可(ke)分(fen)為分(fen)紅保(bao)(bao)險(xian)(xian)和消費(fei)型保(bao)(bao)險(xian)(xian)。分(fen)紅保(bao)(bao)險(xian)(xian)是指保(bao)(bao)險(xian)(xian)公司會把經營所得的(de)(de)可(ke)分(fen)配(pei)盈余按照一定的(de)(de)比例分(fen)配(pei)給(gei)保(bao)(bao)單持有(you)人的(de)(de)險(xian)(xian)種。消費(fei)型保(bao)(bao)險(xian)(xian)也即到期(qi)若沒有(you)保(bao)(bao)險(xian)(xian)事故發生的(de)(de)保(bao)(bao)費(fei)不返(fan)還，只有(you)在保(bao)(bao)障期(qi)間內(nei)發生保(bao)(bao)險(xian)(xian)事故才能獲賠。

人壽保險

保障范圍

人(ren)(ren)壽(shou)保(bao)(bao)(bao)險是(shi)人(ren)(ren)身保(bao)(bao)(bao)險的(de)(de)一種，以(yi)(yi)被保(bao)(bao)(bao)險人(ren)(ren)的(de)(de)壽(shou)命為(wei)保(bao)(bao)(bao)險標的(de)(de)，且以(yi)(yi)被保(bao)(bao)(bao)險人(ren)(ren)的(de)(de)生存或死(si)亡為(wei)給付條件(jian)的(de)(de)人(ren)(ren)身保(bao)(bao)(bao)險。也就是(shi)說被保(bao)(bao)(bao)險人(ren)(ren)發生保(bao)(bao)(bao)險事故時，保(bao)(bao)(bao)險人(ren)(ren)會(hui)支(zhi)付保(bao)(bao)(bao)險費。

壽險險種

1、定期人壽：定(ding)期(qi)人(ren)壽保(bao)(bao)(bao)(bao)險(xian)就(jiu)是約(yue)定(ding)一個保(bao)(bao)(bao)(bao)險(xian)期(qi)限(xian)，如(ru)(ru)果(guo)(guo)被(bei)保(bao)(bao)(bao)(bao)險(xian)人(ren)在約(yue)定(ding)期(qi)限(xian)里(li)死亡，保(bao)(bao)(bao)(bao)險(xian)公司會向(xiang)保(bao)(bao)(bao)(bao)險(xian)受益人(ren)賠(pei)付(fu)保(bao)(bao)(bao)(bao)險(xian)金；如(ru)(ru)果(guo)(guo)被(bei)保(bao)(bao)(bao)(bao)險(xian)人(ren)沒(mei)有在約(yue)定(ding)期(qi)限(xian)里(li)死亡，那么也就(jiu)這樣了，保(bao)(bao)(bao)(bao)險(xian)公司既(ji)不(bu)進行賠(pei)付(fu)，也不(bu)退還保(bao)(bao)(bao)(bao)費。

2、終身人壽：終(zhong)身人(ren)壽(shou)(shou)保(bao)(bao)險(xian)是(shi)在被保(bao)(bao)險(xian)人(ren)死(si)亡之后(hou)，保(bao)(bao)險(xian)公司(si)向保(bao)(bao)險(xian)受益人(ren)進(jin)行(xing)賠付的(de)保(bao)(bao)險(xian)，但(dan)是(shi)終(zhong)身人(ren)壽(shou)(shou)保(bao)(bao)險(xian)沒有約定(ding)(ding)期限。由于人(ren)是(shi)一定(ding)(ding)會死(si)的(de)，所以(yi)保(bao)(bao)險(xian)公司(si)最終(zhong)一定(ding)(ding)會進(jin)行(xing)賠付。

3、生存保險：生存保(bao)(bao)險(xian)要求(qiu)被保(bao)(bao)險(xian)人一(yi)定要活到之前約(yue)定的期(qi)限。如果在到期(qi)之前，被保(bao)(bao)險(xian)人就(jiu)死亡(wang)了(le)，那么保(bao)(bao)險(xian)公(gong)司既不(bu)會(hui)進(jin)行賠(pei)償，也不(bu)會(hui)退回保(bao)(bao)費。

4、生死兩全：生死(si)兩(liang)全保(bao)險(xian)(xian)是(shi)將(jiang)定(ding)(ding)期人壽(shou)保(bao)險(xian)(xian)和(he)生存保(bao)險(xian)(xian)進行組合之后(hou)得到的保(bao)險(xian)(xian)。如(ru)果被(bei)(bei)保(bao)險(xian)(xian)人在(zai)約(yue)定(ding)(ding)的期限里死(si)亡，保(bao)險(xian)(xian)公司會(hui)向保(bao)險(xian)(xian)受益人進行賠付(fu)；如(ru)果被(bei)(bei)保(bao)險(xian)(xian)人活到了約(yue)定(ding)(ding)期限結束(shu)，保(bao)險(xian)(xian)公司會(hui)向被(bei)(bei)保(bao)險(xian)(xian)人發放生存金。

5、養老保險：養老保(bao)險(xian)是(shi)將(jiang)生(sheng)存(cun)保(bao)險(xian)和死亡保(bao)險(xian)進(jin)行組合之后得到的(de)保(bao)險(xian)。不管(guan)被保(bao)險(xian)人在約定期限里是(shi)死是(shi)活，保(bao)險(xian)公司都會進(jin)行相應的(de)賠付。

壽險多少歲不能買

每種(zhong)(zhong)險種(zhong)(zhong)都有自己的投保規則(ze)，對于(yu)年齡的限制，都不一(yi)(yi)樣(yang)。一(yi)(yi)般情況下，對于(yu)壽險規劃(hua)，60歲，基本就是上線。

壽險一年多少錢

人壽保險一年交多少錢和具體的產品、保額、保障期限以及繳費方式有關，所以沒有一個固定的數字，具體情況還是要具體分析。【詳細】

健康保險

健康險保障內容

保障的內容主(zhu)要有兩種(zhong)(zhong)，一(yi)種(zhong)(zhong)是因疾病或意外保險事故而產生的醫療費用，一(yi)類是因疾病或意外保險事故而產生的其他(ta)損失。

健康險險種分類

分為醫(yi)療保(bao)險、疾病保(bao)險、收入保(bao)障線、護理保(bao)險四大類。

該圖片由注冊用戶"中華小當家"提供，版權聲明反饋

健康險多少錢一年

一般0歲的孩子投保健康險一年大致是幾百元，年級越大費用越高，一般50歲的人投保，健康險保一年的費用達到5000、6000甚至更多，所以，如果有經濟能力，越早投保越劃算。【詳細】

人身意外傷害保險

保障范圍

1、死(si)亡給付(fu)：被保(bao)(bao)險(xian)人遭受(shou)意外傷害造成死(si)亡時(shi)，保(bao)(bao)險(xian)人給付(fu)死(si)亡保(bao)(bao)險(xian)金。

2、殘廢(fei)給(gei)付(fu)：被保(bao)險(xian)(xian)人因(yin)遭受意外傷(shang)害(hai)造(zao)成(cheng)殘廢(fei)時(shi)，保(bao)險(xian)(xian)人按照傷(shang)殘等級支付(fu)不同的(de)保(bao)險(xian)(xian)金(jin)。

3、醫療給(gei)付：被保險人因遭受(shou)意外傷(shang)害支出醫療費時，保險人根據實(shi)際情況(kuang)酌情給(gei)付。

4、停工(gong)(gong)給(gei)付：被保(bao)(bao)險(xian)人因意外傷害暫時(shi)喪(sang)失勞動能力，不能工(gong)(gong)作時(shi)，保(bao)(bao)險(xian)人給(gei)付停工(gong)(gong)保(bao)(bao)險(xian)金。

價格

因為意外險的所交保費與意外險類型、保障范圍、保險期限以及被保人的實際情況相關，投保費用在幾十元至數百元不等。【詳細】

財產保險

企業財產保險

險種有哪些

企業財(cai)(cai)產(chan)按是否可(ke)保的(de)標準可(ke)以分為三類，即可(ke)保財(cai)(cai)產(chan)、特約(yue)可(ke)保財(cai)(cai)產(chan)和不保財(cai)(cai)產(chan)。

費率一般多少

投保財(cai)產險(xian)需要(yao)提供“資產負債(zhai)表”，根據財(cai)產總(zong)額(e)和投保對象(xiang)再測(ce)算出保費。基本險(xian)、財(cai)產綜(zong)合險(xian)、財(cai)產一切險(xian)的費率由底到高(gao)，平均費率在千(qian)分之(zhi)1.2左右。

企業財產保險賠率

1、全部損失。受損(sun)財產的(de)保(bao)(bao)(bao)險(xian)金(jin)額(e)等于(yu)或(huo)高于(yu)保(bao)(bao)(bao)險(xian)價值(zhi)時，其賠償(chang)金(jin)額(e)以不超(chao)過保(bao)(bao)(bao)險(xian)價值(zhi)為限(xian);保(bao)(bao)(bao)險(xian)金(jin)額(e)低于(yu)保(bao)(bao)(bao)險(xian)價值(zhi)時，按保(bao)(bao)(bao)險(xian)金(jin)額(e)賠償(chang)。

2、部分損失。受損財產的保險金額等于或高于保險價值時，其賠償金額按實際損失計算;保險金額低于保險價值時，其賠償金額按保險金額與保險價值的比例計算。【詳細】

家庭財產保險

家庭財產保險價格

保(bao)險金額(e)由被保(bao)險人根據保(bao)險財產(chan)的(de)實際價值確定，并且按照保(bao)險單上規定的(de)保(bao)險財產(chan)項目分別(bie)列明。

保險范圍包括哪些

1、可保財產：自有居住房屋；室(shi)內裝修、裝飾及(ji)附屬設施；室(shi)內家庭財產(chan)。

2、特保財產：

（1）農(nong)(nong)村家庭存放(fang)在院內的(de)非動力農(nong)(nong)機具、農(nong)(nong)用工具和已收獲的(de)農(nong)(nong)副產品

（2）個體勞(lao)動者存放在室內的營業(ye)器具、工(gong)具、原(yuan)材料和商品(pin)

（3）代他人保(bao)管的財產或與他人共有的財產

（4）須(xu)與保(bao)險人特別約(yue)定才能投保(bao)的財產(chan)

家庭財產保險投保注意

①家庭財產保險不是什么都保；②家庭財產保險不要超額投保；③家庭財產保險不要多處投保。【詳細】

商業保險按實施方式分類

按實施方式分類，保險可分為強制保險和自愿保險。

強制保險

強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)（又稱“法(fa)(fa)定保(bao)(bao)(bao)險(xian)(xian)(xian)”）是(shi)由國家（政(zheng)府）通過法(fa)(fa)律(lv)或行政(zheng)手段強(qiang)制(zhi)(zhi)實施(shi)的(de)一種保(bao)(bao)(bao)險(xian)(xian)(xian)。強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)關(guan)系(xi)雖然也是(shi)產生(sheng)于投保(bao)(bao)(bao)人與保(bao)(bao)(bao)險(xian)(xian)(xian)人之間的(de)合同行為，但是(shi)，合同的(de)訂立(li)受制(zhi)(zhi)于國家或政(zheng)府的(de)法(fa)(fa)律(lv)規定。強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)實施(shi)方式有(you)兩種選(xuan)擇(ze)：—是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)與保(bao)(bao)(bao)險(xian)(xian)(xian)人均由法(fa)(fa)律(lv)限定；二是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)由法(fa)(fa)律(lv)限定，但投保(bao)(bao)(bao)人可以(yi)自由選(xuan)擇(ze)保(bao)(bao)(bao)險(xian)(xian)(xian)人，如機動車交通事故(gu)責任(ren)強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)。

自愿保險

自(zi)愿(yuan)保(bao)(bao)(bao)險是在(zai)自(zi)愿(yuan)原則下，投(tou)(tou)保(bao)(bao)(bao)人(ren)與保(bao)(bao)(bao)險人(ren)雙方(fang)在(zai)平等的(de)(de)基礎上，通過訂立保(bao)(bao)(bao)險合(he)同而建(jian)立的(de)(de)保(bao)(bao)(bao)險關系(xi)。自(zi)愿(yuan)保(bao)(bao)(bao)險的(de)(de)保(bao)(bao)(bao)險關系(xi)，是當事(shi)人(ren)之間自(zi)由(you)決定(ding)、彼此合(he)意后所建(jian)立的(de)(de)合(he)同關系(xi)。投(tou)(tou)保(bao)(bao)(bao)人(ren)可以自(zi)由(you)決定(ding)是否(fou)投(tou)(tou)保(bao)(bao)(bao)、向誰投(tou)(tou)保(bao)(bao)(bao)、中途退保(bao)(bao)(bao)等，也(ye)可以自(zi)由(you)選(xuan)擇保(bao)(bao)(bao)險金額、保(bao)(bao)(bao)障范圍、保(bao)(bao)(bao)障程度和保(bao)(bao)(bao)險期限(xian)等；保(bao)(bao)(bao)險人(ren)也(ye)可以根據情況自(zi)愿(yuan)決定(ding)是否(fou)承保(bao)(bao)(bao)、怎樣承保(bao)(bao)(bao)等。

商業保險按(an)承保(bao)方式分類

按承保(bao)(bao)方式分類(lei)，可(ke)將(jiang)保(bao)(bao)險(xian)分為(wei)原保(bao)(bao)險(xian)、再(zai)保(bao)(bao)險(xian)、共同保(bao)(bao)險(xian)和重(zhong)復保(bao)(bao)險(xian)。

原保險

原保(bao)險(xian)是保(bao)險(xian)人(ren)與投保(bao)人(ren)之間直接(jie)簽訂保(bao)險(xian)合同而(er)建立保(bao)險(xian)關系(xi)的一種保(bao)險(xian)。在(zai)原保(bao)險(xian)關系(xi)中，保(bao)險(xian)需求(qiu)者將其風險(xian)轉嫁給(gei)保(bao)險(xian)人(ren)，當保(bao)險(xian)標的遭受保(bao)險(xian)責(ze)任(ren)范圍內的損失時(shi)，保(bao)險(xian)人(ren)直接(jie)對被保(bao)險(xian)人(ren)承(cheng)擔賠償或給(gei)付責(ze)任(ren)。

再保險

再保(bao)(bao)(bao)險(xian)(xian)（也稱“分(fen)保(bao)(bao)(bao)”）是(shi)保(bao)(bao)(bao)險(xian)(xian)人(ren)將(jiang)其所承(cheng)保(bao)(bao)(bao)的(de)(de)風險(xian)(xian)和責任(ren)的(de)(de)一部分(fen)或(huo)全部轉移給其他保(bao)(bao)(bao)險(xian)(xian)人(ren)的(de)(de)一種(zhong)(zhong)保(bao)(bao)(bao)險(xian)(xian)。分(fen)出(chu)業(ye)務的(de)(de)是(shi)再保(bao)(bao)(bao)險(xian)(xian)分(fen)出(chu)人(ren)，接受分(fen)保(bao)(bao)(bao)業(ye)務的(de)(de)是(shi)再保(bao)(bao)(bao)險(xian)(xian)接受人(ren)。這種(zhong)(zhong)風險(xian)(xian)轉嫁方式是(shi)保(bao)(bao)(bao)險(xian)(xian)人(ren)對原(yuan)始(shi)風險(xian)(xian)的(de)(de)縱向轉嫁，即第二次風險(xian)(xian)轉嫁。

共同保險

共同(tong)(tong)(tong)(tong)(tong)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)（也稱“共保(bao)(bao)”）是(shi)由(you)幾個保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人聯合(he)直接承(cheng)保(bao)(bao)同(tong)(tong)(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)、同(tong)(tong)(tong)(tong)(tong)一(yi)(yi)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、同(tong)(tong)(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)利益的(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。共同(tong)(tong)(tong)(tong)(tong)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)各(ge)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人承(cheng)保(bao)(bao)金(jin)額的(de)總(zong)和不超過保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)的(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)價值。在保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)實務(wu)中，可能(neng)是(shi)多(duo)(duo)個保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人分(fen)別與(yu)投保(bao)(bao)人簽訂保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)(tong)(tong)(tong)，也可能(neng)是(shi)多(duo)(duo)個保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人以某一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人的(de)名義簽發一(yi)(yi)份保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)(tong)(tong)(tong)。與(yu)再保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不同(tong)(tong)(tong)(tong)(tong)，這種(zhong)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)轉嫁方式是(shi)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人對(dui)原始風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)橫向轉嫁，它仍屬于風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)第一(yi)(yi)次(ci)轉嫁。

重復保險

重(zhong)復保(bao)(bao)(bao)險(xian)(xian)是(shi)指(zhi)投(tou)保(bao)(bao)(bao)人(ren)以(yi)同(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)標(biao)的(de)(de)(de)、同(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)利益(yi)、同(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)事故分(fen)別與兩個(ge)或兩個(ge)以(yi)上保(bao)(bao)(bao)險(xian)(xian)人(ren)訂立保(bao)(bao)(bao)險(xian)(xian)合同(tong)(tong)，且保(bao)(bao)(bao)險(xian)(xian)金額總和超過保(bao)(bao)(bao)險(xian)(xian)價值的(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)。與共(gong)同(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)相同(tong)(tong)，重(zhong)復保(bao)(bao)(bao)險(xian)(xian)也是(shi)投(tou)保(bao)(bao)(bao)人(ren)對(dui)原始風險(xian)(xian)的(de)(de)(de)橫(heng)向轉嫁，也屬于風險(xian)(xian)的(de)(de)(de)第一(yi)(yi)次(ci)轉嫁。

商業按保險經營性質分

商業性保險

商業(ye)(ye)保險指保險公司所經營(ying)的(de)各類保險業(ye)(ye)務。商業(ye)(ye)保險以盈利為目標，進(jin)行(xing)獨立經濟核算。

政策性保險

常見的(de)政策(ce)性(xing)保(bao)(bao)(bao)(bao)險(xian)有出(chu)口信用保(bao)(bao)(bao)(bao)險(xian)、投資保(bao)(bao)(bao)(bao)險(xian)和(he)農為保(bao)(bao)(bao)(bao)險(xian)等(deng)。與此相比，商業保(bao)(bao)(bao)(bao)險(xian)由(you)以盈(ying)利為目的(de)的(de)商業保(bao)(bao)(bao)(bao)險(xian)公司(si)舉(ju)辦，它們(men)自(zi)主經(jing)營、獨立核算、自(zi)負盈(ying)虧(kui)，由(you)于利潤(run)最大化(hua)的(de)考(kao)慮、通常不會(hui)經(jing)營政策(ce)性(xing)保(bao)(bao)(bao)(bao)險(xian)。