风险保险管理.pptVIP

PRESENTATION 组员：魏 静 肖 瑶 袁利利 1.1 Definition of risk Different Definitions of Risk Chance of Loss Peril and Hazard Classification of Risk Classification of Risk Major Personal Risks and Commercial Risks Major Personal Risks and Commercial Risks Major Personal Risks and Commercial Risks Major Personal Risks and Commercial Risks Burden of Risk on Society Techniques for Managing Risk Techniques for Managing Risk RISK IN OUR SOCEITY Framework objective risk subjective risk 1.2 Change of loss objective probability Subjective probability 1.3 Peril hazard Physical hazards Maral hazard Attitudinal hazard Legal hazard 1.4 Types of risk Framework pure risk speculative risk diversifiable risk enterprise risk 1.5 Personal risk property risks liability risks loss of business income other risks 1.6 Commercial risk risk of premature death risk of insufficient retirement income risk of poor health risk of unemployment Framework 1.7 Burden of risk lager emergency fund loss of certain goods and services worry and fear 1.8 Techiniques for managing risk avoidance loss control retention noninsurance transfers insurance KEY WORDS 1. Risk 风险 P3 2. Objective risk 客观风险 P3 3. Subjective risk 主观风险 P4 4. Low of lager numbers 大数法 P4 5. Chance of loss 损失机会 P4 KEY WORDS 6. Objective probability 客观概率 P4 7. Subjective probability 主观概率 P4 8. Peril 风险事故 P5 9. Hazard 风险因素 P5 10. Physical hazards 物质风险因素 P5 KEY WORDS 11. Moral hazard 道德风险因素 P5 12. Attitudinal hazard （Morale hazard） 心理风险因素 P5 13. Legal hazard 法律风险因素 P6 14. Pure risk 纯粹风险 P6 15. Speculative risk 投机风险 P6 KEY WORDS 16. Diversifiable risk 可分散化风险 P6