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1、RiskManagementandInsuranceChapter1IntroductiontoRisk4.Differentiatebetweenaperil（风险事件）andahazard（风险因素）andgiveanexampleofeach.(P9)Aperilisaspecificcontingency（意外事件）thatmaycauseloss.Examplesofperilsincludefire,windstorm（暴风）,collision（冲突）,war,etc.Ahazardisaconditionorsituatio
2、nthatmakesitmorelikelythataperilwilloccur.Examplesofhazardsincludeoilyrags（油布）,icyroads,adishonestemployee,acarelessdriver,etc.Hazardsinclude:nPhysicalhazards（物质风险因素）,likeiceonthesidewalks,smoking,orskydiving;nMoralhazards（道德风险因素）(mostofwhichareavoidable),likedishonesty(su
3、chasburningdownthewarehouse（仓库）whenyourcompanygoesbankrupt（破产）tocollectinsurancemoneyorbuyinginsuranceonsomeonewithyourselfasbeneficiary（受益人）andthenkillingthem);nMoralehazards（心理/行为风险因素）,likeacarelessattitudesince“insurancewillpayforit”.5.Classifyeachofthefollowinghazardsa
4、sphysical,morale,ormoral.(P9-10)a.Acarelessdriver;b.Apersonwhosuffersanexaggerated（夸张的）caseofwhiplash（脖子扭伤）followinganautomobileaccident;c.Aworkerwhooccasionallyleavesadangerousmachineunattendedtotalkwithfriends;d.Anemployeewhooccasionallyembezzles（挪用）money;e.Icyroadcondit
5、ions.a:Morale;b:Moral;c:Morale;d:Moral;e:Physical.6.Define（定义）riskmanagementandidentify（识别、确定）thefourstepsintheriskmanagementprocess.Howdoesenterprise（企业）riskmanagementdifferfromthetraditionalformofriskmanagement?（P13.10）Riskmanagementistheprocessusedtosystematically（系统地）m
6、anageexposurestopurerisk.Thefourstepsintheprocessare①identifyrisks,②evaluaterisks,③selectriskmanagementtechniques,and④implement（执行、实施）andreviewdecisions.Traditionally,riskmanagementhasdealtprimarily（首要地）withpurerisks.Enterpriseriskmanagementconsidersallofanentity’srisks（实体
7、风险）together,bothpureandspeculative（投机的）.8.ABCCompanyowns10,000carsandhasdeterminedthatitisverylikelytosufferbetween60and70collisionlossesthisyear.XYZCompanyalsoowns10,000carsandhasdeterminedthatitislikelytoexperience50to80collisionlossesthisyear.Computethedegreeofriskforea
8、chcompany,assumingthatthecompaniesexpecttosuffer65losseseach.(P11)RiskABC=(70－60)/65=15%R
