跪求关于 保险的起源与发展 的英文文章

Question

内容够说5分钟即可。。谢谢

Answer 1

Insurance was the idea of a man called LLoyd, who freqented the coffee houses of London.These coffee houses were meting places of businessmen, and the main business in London then was shipping. He would listen to the tales of businessmen who had lost their ships at sea, or had their cargoes hijacked by Pirates. LLoyd thought about this and came up with the idea of insuring these cargoes by insuring them for a premium. The first premium paid was for £100 for a ships cargo. Within six months, this business proved so successful that he opened offices in London. He based it ina building near the docks, and named it Lloyds House. That was the start of LLoyds of London which today, has a reputation second to none.

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Insurance in some form is as old as historical society. So-called bottomry contracts were known to merchants of Babylon as early as 4000–3000 bc. Bottomry was also practiced by the Hindus in 600 bc and was well understood in ancient Greece as early as the 4th century bc. Under a bottomry contract, loans were granted to merchants with the provision that if the shipment was lost at sea the loan did not have to be repaid. The interest on the loan covered the insurance risk. Ancient Roman law recognized the bottomry contract in which an article of agreement was drawn up and funds were deposited with a money changer. Marine insurance became highly developed in the 15th century.

In Rome there were also burial societies that paid funeral costs of their members out of monthly dues.

The insurance contract also developed early. It was known in ancient Greece and among other maritime nations in commercial contact with Greece.