[英语学习]工商导论10.ppt

Chapter 10 Risk Management and Insurance 风险管理和保险 Learning objectives Approaches to Managing Business Risks 管理企业风险的方法 Insurance and Its Principles 保险及其原则 Insurable Risks 可保风险 Insurance for Business 企业保险 Fidelity and Surety Bonds 忠实险和履行义 务险 Approaches to Managing Business Risks 管理企业风险的方法 Risk --- Uncertainty of occurrence of any unforeseen event 任何无法预料事件发生的不确定性 What is Risk Management? It is a process to: Control and prevent losses Reduce the total cost of risk over a long period of time Preserve the financial integrity of the business Approaches to Managing Business Risks 管理企业风险的方法 Two factors that a company should take into consideration before assuming risks: The amount of money involved 涉及多少资金 The probability of success 成功的概率 Approaches to Managing Business Risks 管理企业风险的方法 Risk Management Process风险管理的基本过程 Recognise 风险识别 Evaluate 风险评估 Control 风险处理 Review效果评估与回顾 Approaches to Managing Business Risks 管理企业风险的方法 Approaches to Managing Business Risks 管理企业风险的方法 Approaches to Managing Business Risks 管理企业风险的方法 Avoid the risk 避免风险 Control the risk 控制风险 Assume the risk 假设风险 Shift the risk--- Insurance 转移风险 套期保值：交易者配合在现货市场的买卖，在期货市场买进或卖出与现货市场交易品种、数量相同，但方向相反的期货合同，以期在未来某一时间通过卖出或买进此期货合同来补偿因现货市场价格变动带来的实际价格风险。 Insurance and Its Principles 保险及其原则 Insurance is a risk-sharing mechanism whereby many individuals contribute to a pool of money.保险是一种由许多个人作贡献而汇聚成基金的风险分担机制。 Premium 保险费 Insurance policy 保险合同 Policyholder 投保人 Insurance Principles 保险原则 Principles： Insurable interest 可保利益 Utmost good faith 最大诚信 Indemnity 受损补偿 Contribution 损失分担 Subrogation 担保取代 The doctrine of proximate cause 就近原则 Insurance Principles 保险原则 Insurable interest 可保利益 A person may not insure against any risk unless he will suffer a loss if the risk occurs. 如果出险，投保人没受损失便不能享受保险。 Insurance Principles 保险原则 Utmost good faith 最大诚信 The insured must tell the insurance company every detail he knows that may affect him when fixing premium and paying any claim