为什么保险不谈收益？

保险作为一种风险管理工具，其主要目的是为个人和企业提供经济保障。然而，与其他投资产品相比，保险很少涉及收益方面的讨论。这是因为保险的核心是在不可预测的风险事件发生时提供保障，而不是追求投资回报。下面将探讨保险不谈收益的原因。

首先，保险的本质是为了对冲风险。人们购买保险是为了在面临意外风险时获得赔偿，以帮助他们恢复到事故发生前的财务状况。保险公司通过收取保费来管理风险，以便在需要时支付索赔。因此，保险并非旨在提供投资回报，而是为了提供经济安全网。

其次，保险市场的运行机制也决定了它不太关注收益。保险市场的基础是大量的互助共济，即众多被保险人每年共同支付的保费形成的基金池，用于赔付发生的风险事件。这种互助共济的特性意味着保险公司在经过精确计算风险之后，以较为稳定的保费收入用于支付索赔，并为被保险人提供保障。因此，保险公司不追求高投资回报，而是更关注风险管理和保证能够及时支付索赔。

此外，保险业监管也加强了对保险公司的财务稳健性要求，限制了其投资风险。监管机构要求保险公司以低风险、稳定性好的投资组合来支持其承保活动。这样可以确保保险公司有足够的资金来履行与保险契约相关的义务。因此，保险公司主要投资于稳定的债券和一些低风险的金融产品，而不是追求高回报的股票和其他高风险资产。

最后，保险的收益相比于其他投资产品是比较有限的。由于保险公司的风险管理和费用开支，以及监管要求稳健投资的原因，保险产品的投资回报往往较低。因此，如果购买保险的目的是追求高回报，那么其他投资产品可能更适合满足这个需求。

综上所述，保险不谈收益主要是因为其定位是为个人和企业提供经济保障，对冲风险，而不是作为投资产品来追求高回报。保险的核心是风险管理和经济安全，而不是投资增值。因此，在购买保险时，我们应该更关注保险条款、保费和赔偿等方面，而不是过多关注保险的投资回报。

Why doesn't insurance talk about returns?

Insurance, as a risk management tool, aims to provide financial protection to individuals and businesses. However, unlike other investment products, insurance rarely involves discussions about returns. This is because the core purpose of insurance is to provide protection against unpredictable events, rather than to pursue investment returns. Let's explore the reasons behind why insurance does not focus on returns.

Firstly, the essence of insurance lies in hedging risks. People purchase insurance to obtain compensation in the event of unexpected risks, helping them to restore their financial situation to what it was before the accident occurred. Insurance companies manage risks by collecting premiums, which are used to pay claims when necessary. Therefore, the aim of insurance is not to provide investment returns, but rather to offer an economic safety net.

Secondly, the operating mechanism of the insurance market also determines its limited focus on returns. The foundation of the insurance market is based on mutual aid and cooperation, where a pool of funds is formed from the premiums paid collectively by policyholders each year. These funds are used to compensate for the occurrence of risk events. The nature of mutual aid implies that insurance companies, after accurately calculating risks, utilize stable premium income to pay claims promptly and provide policyholders with protection. Hence, insurance companies do not strive for high investment returns but prioritize risk management and ensuring the ability to pay claims in a timely manner.

Furthermore, insurance regulations strengthen the requirement for financial stability within insurance companies, thereby limiting their investment risks. Regulatory authorities demand that insurance companies support their underwriting activities through low-risk and stable investment portfolios. This ensures that insurance companies possess sufficient funds to fulfill contractual obligations. Consequently, insurance companies primarily invest in stable bonds and some low-risk financial products, rather than pursuing high returns from stocks and other high-risk assets.

Lastly, the returns from insurance are relatively limited compared to other investment products. Due to risk management, expense expenditures by insurance companies, and the need for prudent investments required by regulations, the investment returns of insurance products tend to be lower. Therefore, if the objective of purchasing insurance is to pursue high returns, other investment products may be more suitable to meet this need.

In conclusion, insurance does not focus on returns primarily because its role is to provide financial protection, hedge risks, and offer an economic safety net to individuals and businesses. Insurance revolves around risk management and economic security, rather than serving as an investment product seeking high returns. Therefore, when purchasing insurance, it is more important to pay attention to insurance terms, premiums, compensation, and other aspects, rather than overly emphasizing investment returns from insurance.