资源描述：
《Risk MGMT总结》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。
1、Commondefinitionofrisk:1.Thenotionofanindeterminateoutcomeisimplicitinalldefinitionsofrisk:Theoutcomemustbeinquestion.Forrisktoexist,theremustbeatleasttwopossibleoutcomes.Ifweknowforcertainthatalosswilloccur,thereisnorisk.2.Atleastoneofthepossibleoutcomesisundesirable.Thisma
2、ybealossinthegenerallyacceptedsenseinwhichsomethingtheindividualpossessesislost,oritmaybeagainsmallerthanthegainthatwaspossible.OurDefinitionofRisk:Riskisaconditioninwhichthereisapossibilityofanadversedeviationfromadesiredoutcomethatisexpectedorhopedfor.(Probability:0-1)Them
3、ostwidelyheldmeaningofuncertaintyreferstoastateofmindcharacterizedbydoubt,basedonalackofknowledgeaboutwhatwillorwillnothappeninthefuture.Theexpectedvalueofalossinagivensituationistheprobabilityofthatlossmultipliedbytheamountofthepotentialloss.Iftheamountatriskis$10andtheprob
4、abilityoflossis0.10,theexpectedvalueofthelossis$1.Iftheamountatriskis$100andtheprobabilityis0.01,theexpectedvalueisalso$1.(Degreeofrisk)Aperilisacauseofaloss.Wespeakoftheperiloffire,windstorm,hail,ortheft.Eachoftheseisthecauseofthelossthatoccurs.Ahazard,ontheotherhand,isacon
5、ditionthatmaycreateorincreasethechanceofalossarisingfromagivenperil.Itispossibleforsomethingtobebothaperilandahazard.Forinstance,sicknessisaperilcausingeconomicloss,butitisalsoahazardthatincreasesthechanceoflossfromtheperilofprematuredeath.ThreecategoriesofHazards:1.Physical
6、hazardconsistsofthosephysicalpropertiesthatincreasethechanceoflossfromthevariousperils.Examplesofphysicalhazardsthatincreasethepossibilityoflossfromtheperiloffirearethetypeofconstruction,thelocationoftheproperty,andtheoccupancyofthebuilding.2.Moralhazardreferstotheincreasein
7、theprobabilityoflossthatresultsfromdishonesttendenciesinthecharacteroftheinsuredperson.Moresimply,itisthedishonesttendenciesonthepartofaninsuredthatmayinducethatpersontoat-tempttodefraudtheinsurancecompany.Adis-honestperson,inthehopeofcollectingfromtheinsurancecompany,mayint
8、entionallycausealossormayexaggeratetheamountofalossinanattempttocollectmore
