风险管理与保险期末复习大纲.docVIP

风险管理与保险期末复习大纲 七道简答三道计算集中前三章，考试内容与以前变化不大考试原则：首先讲义，按照讲义答，并且有所发挥；读书；查资料1. 风险的分类classification of risk Three bases – on the nature of the risk根据风险的性质分为三种 Pure and speculative risks纯粹风险和投机性风险——可能的后果分类 - Pure risk: absolute loss or no loss – no possibility of a gain. - The underlying causes within the control of the affected party, unless they are acts of nature; Losses can be financed by purchasing insurance; losses are not offset by gains by other parties – (not zero sum) It is divided into direct loss (financial loss resulting from the event); indirect loss (consequential loss resulting from the direct loss); extra expenses (required to continue with the operations) - Speculative risk: either a profit or loss is possible. Fundamental and particular risks重大风险和特殊风险——起因和后果是社会和个别单位分类 - Fundamental risk: due to the fundamental characteristics of the environment or the activity; affect large number of the population: country, large geographical regions etc; has implications to the wider society; receives government or other forms of assistance - Particular risk: due to the nature of the specific activity or the situation; it affects individuals who participate in an activity or are members of an organized or unorganized group, such as can theft Static and dynamic risks动态风险和静态风险——社会经济技术条件是否变动分类 - Static risks: That would occur independent of the changes in the environment; mainly due to human error, dishonesty, defective equipment, unsafe workplace, etc; they tend to occur with some regularity; more suitable for insurance (定义, 原因, 发生状况, 保险) - Dynamic risk: that result from changes in the environment – technology, changes in the price levels, tastes and preferences；do not occur with any regularity (2) Financial and non-financial risks based on whether the risk can be measured in terms of monetary value Every risk has a financial and non-financial aspect. Non-financial aspects are difficult to manage. 会区分三组不同的概念三种分类要学会区别，egu给的教材的习题答案，部分区别要仔细看一下哪些可保，哪些不可保，可能让你举例 2. 风