个人家庭风险管理.pptVIP

组员：方文林，刘菁，董小萌，徐友娟，刘玉婷，程俊熙 Contents 一、个人/家庭理性思考的局限性 The limitations of individual rational thinking 二、明确个人/家庭风险管理目标 Define individual risk management goals （一）损前目标 Goals before the Loss （二）损后目标 Goals after the Loss 三、个人/家庭风险管理程序 （一）识别和分析个人/家庭风险 Identify and analyze risk of personal/family （二）分析不同的风险管理技术 Analysis of different risk management techniques （三）选择最合适的风险管理技术 Select the most appropriate risk management techniques （四）实施风险管理计划 Implement risk management plan （五）监控与调整风险管理计划 Monitor and adjust the risk management plan （一）识别和分析个人/家庭风险To identify and analyze risk of personal/family 1、识别和分析个人/家庭风险信息来源 Identification and analysis of personal/family risk sources （1）基本依据：个人/家庭财产、责任和家庭目标等信息 Fundamental basis: personal/family property, responsibility and family goals 配偶、受抚养人、其他家庭义务 Spouse, dependent people, other family obligations 年龄、健康状况及相关因素Age, health status and related factors 收入来源、收入金额及取得方式Source of income, income amount and way 所拥有和使用的财产The property of the owned and used 其他有形和无形资产Other tangible and intangible assets 负债状况sheets 可能导致他人受伤害或财产损毁的活动或行为May cause others to suffer injury or property damage of activities or behavior 目前已有的商业保险保障The existing commercial insurance 社会保险状况Social insurance status 目前已有的员工福利计划The existing employee benefits plans 已建立的退休计划Has established the retirement plan 目前有效的遗嘱及其他遗产计划The effective property and other plans 收集方法的不足：缺乏系统性，容易遗漏信息 An inadequate collection methods: systemic, easy to missing information 针对以上不足，通常采用填写风险调查表的方式 To solve above is not enough, usually adopt fill out the questionnaire of risk 2、分析个人/家庭风险Risk analysis of personal/family 识别风险后要分析引起损失的风险事故以及发生损失的后果 After identifying risk to analyze the risk of loss caused by accidents and the consequences of the loss （1）人身风险分析Personal risk analysis 每个人都面临生、老、病、死的风险