問(wen) 我(wo)最近(jin)由于(yu)失(shi)業(ye)了，朋友建議我(wo)買(mai)商(shang)業(ye)保(bao)險，請問什么是商(shang)業(ye)保(bao)險啊？

答 商(shang)業保(bao)(bao)(bao)(bao)險(xian)(xian)又稱金融保(bao)(bao)(bao)(bao)險(xian)(xian)，是相對(dui)于社會保(bao)(bao)(bao)(bao)險(xian)(xian)而(er)言(yan)的(de)。商(shang)業保(bao)(bao)(bao)(bao)險(xian)(xian)組織根據保(bao)(bao)(bao)(bao)險(xian)(xian)合(he)同(tong)(tong)約(yue)(yue)定，向投保(bao)(bao)(bao)(bao)人收取保(bao)(bao)(bao)(bao)險(xian)(xian)費，建立保(bao)(bao)(bao)(bao)險(xian)(xian)基金，對(dui)于合(he)同(tong)(tong)約(yue)(yue)定的(de)發生(sheng)造成的(de)財產(chan)損(sun)失承擔賠償(chang)責任(ren)；或當(dang)被保(bao)(bao)(bao)(bao)險(xian)(xian)人死(si)亡、傷殘、疾(ji)病或者達(da)到合(he)同(tong)(tong)約(yue)(yue)定的(de)年(nian)齡(ling)、期限時承擔給付保(bao)(bao)(bao)(bao)險(xian)(xian)金責任(ren)的(de)一種合(he)同(tong)(tong)行為。