汽车保险与理赔（Auto insurance and claims）.docVIP

汽车保险与理赔（Auto insurance and claims） (1) the meaning of risk: first, there may be loss; two, this kind of loss is uncertain (2) risk factors: risk factors, the risk of accidents and losses (in the risk management, the loss of which is not intentional, reduce, unexpected and unplanned economic value of this definition is the narrow definition of loss) (3) classification of risks: 1. According to the nature of risk, risk can be divided into pure risk and speculative risk. 2, according to the object of risk classification, the risk can be divided into property risk, liability risk, credit risk and personal risk. 3, according to the causes of risk classification, risk can be divided into self Risks, social risks, political risks, economic risks and technical risks. 4, according to the extent of the impact of risk classification can be divided into basic risk and specific risk. 5, the environmental classification according to risk can be divided into static risk and dynamic risk (4) the meaning of risk management: refers to economic units by the parties on risk identification, risk estimation, risk evaluation, risk control effectively and properly handle the risk caused by loss of expectation with the minimum cost to get the maximum security management activities (5) the goal of risk management is to select the most economical and effective method to minimize the risk cost and obtain the maximum safety guarantee. The general objectives of risk management can be divided into: management objectives before loss (including the following aspects: to reduce loss costs and prevent potential losses. Alleviate and eliminate In addition to the psychological pressure on potential losses of business personnel. Abide by and fulfill the responsibility of the enterprise, given outside) loss management objectives (including the following: to maintain the survival of enterprises, maintain, and profit plan production capacity to maintain service capability of enterprises to fulfill their so