This paper oppugns the analysis of expect utility theory , uses prospect theory to interpret insurance , and points out that insurance buyer is risk seeking when facing gains and risk averse when facing lose .

本文质疑了期望效用理论在保险学中的分析，并用前景理论来解释保险业务，提出购买保险产品者在面临收益时是风险偏好的，在面临损失时是风险规避的观点。