风险论述（Risk discourse）.docVIP

风险论述（Risk discourse） 1, pure risks and speculative risks. (1) pure risk refers to the risk that there is only loss opportunity without profit. The occurrence of pure risks will cause losses to the parties concerned. For example, fire, shipwreck and other accidents, only the victims property damage and personal injury, and without any benefit. (2) speculative risk refers to the risk of both loss and profit opportunities. For example, the changes of the market, resulting in the loss of this enterprise, this enterprise may be beneficial; for a enterprise, the changes in the market will suffer losses, but the market changes may bring benefits. (3) the risk of accidents and loss of pure risk, generally can scientifically measured by the massive statistical data, which are difficult to do because of the risk of speculation, speculative risk is largely restricted by political environment, market changes and moral factors. (4) pure and speculative risks sometimes intertwined, and risk analysis, logical analysis and judgment must be carried out according to the formation process of risk factors and the risk of accidents, to accurately identify the nature of risk. 2 compare risk avoidance, loss prevention and loss suppression To distinguish the risk avoidance, loss prevention and loss reduction is very important to avoid risk to eliminate all possible loss, is a self-contained type of risk management technology, only in a few cases can be successfully applied to. When the risk is avoided and the possibility of all losses is eliminated completely, there is no need for other risk management techniques to avoid this risk. Therefore, it is called self-contained risk management technology. In risk management, however, some risk management plans and even further risk management techniques are needed to reduce the risk of loss because some risks are unavoidable. Distinguishing the difference between loss prevention and loss control is the key to improve risk management effectiveness