CPCU 500课程指南：风险融资教育目标与学习指导.pdfVIP

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RiskFinancing

EducationalObjectives

Afterlearningthecontentofthisassignment,you

shouldbeableto:

1.Exinhowindividualsororganizationscanachievetheiroverallandrisk

managementgoalsbyfulfillingthefollowingriskfinancinggoals:

Payforlosses

-Managethecostofrisk

-Managecashflowvariability

-Maintainanappropriatelevelofliquidity

-Complywithlegalrequirements

2.Describethefollowingaspectsofretentionandtransfer:

Retentionfundingmeasures

-Limitationsonrisktransfermeasures

Theadvantagesofbothretentionandtransfer

3.Exinhowthefollowingcanaffecttheselectionoftheappropriaterisk

financingmeasure:

•风险融资措施满足风险融资目标的能力

•损失特征

•特定于个人或组织的特征4.解释组织如何通过以下风险融资措施实现其

风险融资目标：

保证成本自保大额

免赔计划捕获

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教育目标，续

•有限风险计划

•池

•回顾性计划

•无害协议资本市场解决方

案

大纲

风险管理目标

A.支付损失B.管理风险成本C.管理现金

流波动D.维持适当的流动性水平E.遵守

法律要求

自留与转移

A.在同一风险融资措施中的保留和转移B.保留

•Abilityofariskfinancingmeasuretomeetriskfinancinggoals

•Lossexposurecharacteristics

•Characteristicsspecifictoanindividualororganization

4.Exinhowanorganizationmeetsitsriskfinancinggoalsbyusingthefollowing

riskfinancingmeasures:

Guaranteedcostinsurance

Self-insurance

Largedeductiblens

Captives

4

EducationalObjectives,

•Finiteriskns

•Pools

•Retrospectiveratingns

•Hold-harmsagreements

Capitalmarketsolutions

Outline

RiskFinancingGoals

A.PayforLosses

B.ManagetheCostofRisk

C.ManageCashFlowVariability

D.MaintainanAppropriateLevelofLiquidity

E.ComplyWithLegalRequirements

RetentionandTransfer

A.RetentionandTransferinSameRiskFinancingMeasure

B.Retention

1.保留措施2.保留的

优势

C.转移

1.风险转移措施的限制2.转移的

优势3.损失限额4.最低和最