亚当·斯密：国富论·第V篇第I章·第1745段

The value of the risk, either from fire, or from loss by sea, or by capture, though it cannot, perhaps, be calculated very exactly, admits, however, of such a gross estimation, as renders it, in some degree, reducible to strict rule and method. The trade of insurance, therefore, may be carried on successfully by a joint-stock company, without any exclusive privilege. Neither the London Assurance, nor the Royal Exchange Assurance companies have any such privilege.

出处： https://www.gutenberg.org/ebooks/3300
定位：Book V, Chapter I, paragraph 1745 · 核对日期：2026-10-19 · 核验：逐字核对

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