国际贸易运输及保险复习重点.pdfVIP

国际贸易运输及保险复习重点（ International trade, transportation and Insurance Review ） The tenth chapter is about the basic knowledge of insurance 1., how to understand risk? Risk refers to the uncertainty of a certain loss within a given period of time in a given objective situation. To understand risk, we should grasp the following two aspects: First, risk exists objectively and is not transferred by human will. Second, risk loss is uncertain. Including the uncertainty of risk: the loss of the degree and range of random events lead to loss is uncertain, the loss occurred at a time of uncertainty, the loss of the place of uncertainty and loss caused by the uncertainty, which is unpredictable and uncontrollable 2. briefly describe the elements of risk and the relationship between them The elements of risk include risk factors, risk accidents, risk loss three aspects, they constitute the basic conditions for the existence or absence of risk. Risk factors are the factors that cause risk accidents or increase the frequency of losses or expand the extent of losses. There are usually three types of risk factors. Moral hazard factor. Psychological risk factors. Risk accident refers to the risk of becoming a reality, resulting in property damage or loss of life and health accidental events. Risk loss, in risk management, loss refers to the unintended, unplanned and unplanned economic value reduction, that is, the economic value of accidental decrease or loss. They are usually classified as direct loss (i.e., substantial loss), indirect loss (including extra cost, loss of income, loss of liability) Risk factors, risk accidents and loss of risk between the three relations: risk factors lead to risk acciden