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The development of utility theory and its impact on the insurance contract
---the scale of assets' impact on the supply and demand for insurance

Abstract

Just like when they are making decisions on other economic matters, people consider many factors when they decide whether or not to buy insurance products. The scale of assets is a very important factor influencing people’s consuming behavior to a large extent. It also has impacts on the supply and demand for insurance. But the insurance products are different from others products, they are decisions people made when facing uncertainty. So compare with other common economic decisions, it is more complicated and difficult to explain this kind of decision-making process. As a basic theory explaining people’s economic behaviors, the utility theory has been making big developments. These developments lead to better explanations of various kinds of economic activities, and it also can be apply to explain the difference of people’s demand on insurance products under different scale of assets conditions.

the development of theory of effectiveness and its influence to the establishment of insurace contract--the scale of the property to the requirement of the insurance's influence.
Excerpt
When people decide whether to buy insurance, it would be like making any other economical choices, they consider many aspects. The scale of the property is a very important element and dominates the way people shop around, and it also affects the need of insurance. But insurance is different to any other products, it's a way to counter the unthinkables. So compared to normal economical decisions, this one is a lot more difficult and complicated. The theory of effectiveness can explain the basic theory of the way people make economical decision, and it made a lot of improvements in the recent years. These improvements can explain all sorts of economical phenonmenon, and also explain the differences in the requirement of insurance compared to the scale of the property.

效用理论的发展及其对保险合同成立的影响
——资产规模对保险需求的影响
Effect of the development of avail theory and its impact on the establishment of insurance contracts
-- effect of asset size and its impact on the insurance needs

Abstract(摘要 ):In deciding whether to purchase insurance products people will like to make other economic decision-making, they consider many factors. Asset size is an important factor in shaping people's consumption behaviour significantly, it also affects the demand for insurance. However insurance product is different from the general products, it is a a decision which people face the uncertainty. Therefore, compared with the general economic policy-making, the types of people in decision-making are more complex and difficult to explain. Effectiveness is regarded as a basic theory to explain the economic behaviour of people.For many years,it has made considerable progress. Such progress has been able to explain economic phenomena better.At the same time,it could also explain the different asset sizes of the demand for insurance products and the sameness and differences.

the developement of effectiveness theroy and its infulence upon the effectiveness of the insurance contract

abstract
When deciding whether to or not to buy the products which have insure, people will usually consider factors from a lot aspects, just as they make other decosion upon economy. Capital scope, as a very important factor which influence people's consumption, it controls people's needs for insurance as well. However, "insurance product" differs from others, for it is an uncertain decision that people make when they face uncertainty. Thus, compared with the average economic decision-making, the explaination for such kind of "insurance product" decision-making is more complicated and difficult. As the basic theory of exlaining people's economic activities, the effectiveness theory has made great progess all these year. All the improvement can give a better exlaination for various economic phenomenon, and can also give good explainnations for the similarities and differences of people's needs towards "insurance product" in different capital scopes.

People at decide whether purchase the insurance product will be like to do an other economy decision, consider the very various factor.The property scale be an important factor is or so to a large extent people of consumption behavior, the same also affects the people's need for insurance.However the insurance product is different from general product, it is a kind of people to face indetermination kind of decision.So compare of general of economy decision, make policy to that type of people hermeneutic and more complicated and difficult.The effect theories conduct and actions explains the people economy behavior of foundation theories, have another the in the last years to have already had the substantial progress.This kind of progress hases already can be better to explain various economic phenomenon, the same can also explain the different property scale people for demanding different and similar of the insurance product.

Effectiveness of the development of theory and its impact on the establishment of insurance contracts -- asset size of the impact on the insurance needs Summary In deciding whether to purchase insurance products people will like to make other economic decision-making, consider many factors. Asset size is an important factor in shaping people's consumption behaviour significantly, it also affects the demand for insurance. However the general insurance products and different products, it is a people facing the uncertainty of a decision. Therefore, compared with the general economic policy-making, the types of people in decision-making more complex and difficult to explain. Effectiveness as a theory to explain the theoretical basis of economic behaviour was, for many years have made considerable progress. Such progress has been able to better explain economic phenomena, the same could also explain the different asset size of the demand for insurance products and the differences.