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tsmightbe我希望你们已经阅读了有关保险的指定章节，所以你们对今天的讨论是有准备的。但是，在我们开始前，我想说你们课文里没有的几件事。有趣的是，保险已经以某些形式存在很久了。最开始的保险政策是冒险借贷契约。公元前3000年，它们提供商人海运保护。一般来说，契约通常是口头协议。他们授予商人们贷款，如果装运物品在海里丢失了，贷款就不用还了。贷款利息的不同取决于运输货物的风险。在海盗行为严重的时期，比如，利息总额和政策的价格上升了很多。所以，你可以看到保险是如何帮助促进国际贸易的。即使是最谨慎的商人也开始想去承担长距离运输货物的风险，更不用说当恶劣的天气条件时他们有这种保护。一般来说，保险政策的基本形式从中世纪起就几乎一样。在所有政策里，有四个方面是显著和重要的。这些在第六章中都概括了并且会是今天其余的讨论。有人能告诉我其中的一个方面是什么吗？
3
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