网络保险的发展
The Evolution of Cyberinsurance
摘要：
网络保险是一个强大的工具，可以调整市场激励措施，提高互联网安全性。我们追溯了网络保险从传统保险政策到早期网络风险保险政策再到当前综合网络保险产品的演变。我们发现，不断增加的互联网安全风险，以及遵守最新企业法规的需要，极大地促进了对网络保险的需求。随着保险公司更好地了解风险格局和特定业务需求，网络保险政策变得更加全面。更具体地说，网络保险公司正在解决过去被认为无法克服的问题（例如，逆向选择/信息不对称、道德风险等）这可能导致市场解决方案的失败。尽管仍然存在一些实施问题，但我们认为，网络保险的未来发展将解决这些问题，其他风险领域的保险解决方案就是明证。
英文摘要：
Cyberinsurance is a powerful tool to align market incentives toward improving Internet security. We trace the evolution of cyberinsurance from traditional insurance policies to early cyber-risk insurance policies to current comprehensive cyberinsurance products. We find that increasing Internet security risk in combination with the need for compliance with recent corporate legislation has contributed significantly to the demand for cyberinsurance. Cyberinsurance policies have become more comprehensive as insurers better understand the risk landscape and specific business needs. More specifically, cyberinsurers are addressing what used to be considered insurmountable problems (e.g., adverse selection/asymmetric information, moral hazard, etc.) that could lead to a failure of this market solution. Although some implementation issues remain, we suggest the future development of cyberinsurance will resolve these issues as evidenced by insurance solutions in other risk domains.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
