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1、ReferenceAnswersofChapter1Ⅴ.TranslationfromEnglishtoChinese:1.如果一个小孩在繁忙的大道中间玩耍、如果一个工人使用机器时,不知道机器出了问题而面临危险、如果一个行人不知道靠近人行道的墙壁处于危险境地,面临倒塌的危险,他们将会发生什么?每一种情况都有风险的因素和不确定性存在。这个小孩也许不会收到伤害、机器也许会坚持到这个工人用完机器为止、靠近人行道的墙壁没有倒塌伤到这个人。但是在每一种情况都有可能造成严重的伤害。2.众所周知,每一个人对他的邻居的人
2、身伤害和财产损失负有责任,不要伤害他的身体以及损坏他的财产。责任的产生也许是因一个房屋的所有权、一个宠物、户外运动或者一个简单的行为引起,比如穿越马路不开前方等等。在英国1968年卡拉克先生(Clark)起诉西普思顿(Shepstone)女士案件中,Shepstone女士突然从人行道走出来,没有看前方,致使摩托车驾驶者紧急刹车导致翻车,摩托车后座乘客Clark先生严重受损。他起诉Shepstone女士,最终获得了28,500英镑的赔偿。如果Shepstone女士没有购买个人公众责任保险,她就会面临严重的经
3、济困难。Ⅵ.TranslationfromChinesetoEnglish:1.Riskisuncertaintyoflossandisthepossibilityofloss.2.Riskisunpredictable,whichrefersthattheactualresultsmaydifferfrompredictedresults.3.Floodistheperilandthehousenearthebankoftheriveristhehazard.4.Hazardsarenotthemsel
4、vesthecauseoftheloss,buttheycanincreaseordecreasetheeffectifaperiloperates.5.Physicalhazardrelatestothephysicalcharacteristicsoftherisk.176.Moralhazardisasituationinwhichapartyismorelikelytotakerisksbecausethecoststhatcouldresultwillnotbebornebythepartyta
5、kingtherisk.7.Wherethereisnorisk,thereisinsurance.8.Afinancialriskisonewheretheresultortheoutcomecanbemeasuredbymoney.Ⅶ.Caseanalysis:1.Supposeyouwanttoestablishasmallbusiness.Thebusinessisaboutasmallgrocery,sellingfoodstuffsandvarioushouseholdsupplies.Des
6、cribethewaysinwhichriskmayaffectyourbusiness.Howyoudealwiththebusiness?Describethepurerisksandspeculativerisks.Atfirst,youmustconsiderpurerisksandspeculativerisks.Youshouldidentifytherisks,thenanalyzethemandtakestepstocontroltherisks.Youmaytransfertherisk
7、stoinsurance.Purerisksincludematerialdamagestothegroceryandstockbyfire,storm,explosionormaliciousdamagesortheft.Liabilityriskstoemployeesorclients.Speculativerisksincludepricing,marketingdecisionsandcreditprovidingtoclients.Youshouldtakemeasurestominimize
8、thefrequencyorseveritybybuyingequipment,forexample,fireprotection,securitysystems,burglaralarm,etc.Besides,youshouldmakesomeinvestigationsonclientsdemand.Purerisksareinsurable.Thereforeyoushouldbuysomekindsofinsuran