风险管理与保险期末复习大纲

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1、风险管理与保险期末复习大纲七道简答三道计算,集中前三章，考试内容与以前变化不大；考试原则：首先讲义，按照讲义答，并且有所发挥；读书；查资料1.风险的分类classificationofrisk(1)Threebases–onthenatureoftherisk根据风险的性质分为三种-Pureandspeculativerisks纯粹风险和投机性风险——可能的后果分类-Purerisk:absolutelossornoloss–nopossibilityofagain.-Theunderlyingca

2、useswithinthecontroloftheaffectedparty,unlesstheyareactsofnature;Lossescanbefinancedbypurchasinginsurance;lossesarenotoffsetbygainsbyotherparties–(notzerosum)Itisdividedintodirectloss(financiallossresultingfromtheevent);indirectloss(consequentiallossre

3、sultingfromthedirectloss);extraexpenses(requiredtocontinuewiththeoperations)-Speculativerisk:eitheraprofitorlossispossible.-Fundamentalandparticularrisks重大风险和特殊风险——起因和后果是社会和个别单位分类-Fundamentalrisk:duetothefundamentalcharacteristicsoftheenvironmentorthea

4、ctivity;affectlargenumberofthepopulation:country,largegeographicalregionsetc;hasimplicationstothewidersociety;receivesgovernmentorotherformsofassistance-Particularrisk:duetothenatureofthespecificactivityorthesituation;itaffectsindividualswhoparticipate

5、inanactivityoraremembersofanorganizedorunorganizedgroup,suchascantheft-Staticanddynamicrisks动态风险和静态风险——社会经济技术条件是否变动分类-Staticrisks:Thatwouldoccurindependentofthechangesintheenvironment;mainlyduetohumanerror,dishonesty,defectiveequipment,unsafeworkplace,

6、etc;theytendtooccurwithsomeregularity;moresuitableforinsurance(定义,原因,发生状况,保险)-Dynamicrisk:thatresultfromchangesintheenvironment–technology,changesinthepricelevels,tastesandpreferences；donotoccurwithanyregularity(2)Financialandnon-financialrisks-basedon

7、whethertheriskcanbemeasuredintermsofmonetaryvalue-Everyriskhasafinancialandnon-financialaspect.-Non-financialaspectsaredifficulttomanage.会区分三组不同的概念。三种分类要学会区别，Segu给的教材的习题答案，部分涉及区别要仔细看一下。哪些可保，哪些不可保，可能让你举例2.风险管理（第一章第二章都讲了）Riskmanagement(1)包括风险管理的步骤thestep

8、softheriskmanagementprocess-Identifyallsignificantrisksthatcanreducebusinessvalue–resultinaloss-evaluatefrequencyandthemaximumprobableloss(valueatrisk)-developstrategiesandmethodsformanagingtheriskstoincreasevalue-implementmethods-monit