保险学笔记整理.docVIP

Chapter one Risk, risk management There is a maxim at the insurance circle: no risk, no insurance. Section one Basic definitions of the risk What is risk the risk is the measurable uncertainty. the risk is that uncertainty of some unfortunate incident. the risk is the uncertainty of loss the risk is the results of the objective concerns about the future under certain circumstances. the risk is subjected to objective doubts of the possibility of damage Characteristics of risk objectivity 客观性 damagement 损害性：人身/经济损害 uncertainty 不确定性 the uncertainty of space the uncertainty of time the uncertainty of loss measurability 可测定性 expansibility 拓展性 The risk—related terms :risk factors the substantive risk factors :实质性风险：某一标的物本身所具有的足以引起或增加损失机会的客观原因与条件。 Moral risk factors道德风险: moral risk factors refer to personal dishonest foul or ill intentions so deliberately promote the accidents, resulting in the loss of the expansion of the loss. psychological risk factors也指风纪危险因素，与道德风险不同，不是由于个体故意行为引起的，是出于不注意，不关心，依赖保险的心理，以致于增加危险事故发生的机会和损失的严重性。 Section two Classification of the risk According to procreant circumstance Static risk静态风险 指由于自然力的不规则变动或人们行为的错误或失败所导致的危险。 Static risk refers to the irregular changes due to the forces of nature or people’s behavior caused by error or misconduct 。 Static risk stems from an unchanging society that is in stable equilibrium. For example , fire, flood, earthquake, explosion ,etc dynamic risk Dynamic risk refers to the risk due to social—economic or political changes. dynamic risk is produced because of changes in society . difference between static risk and dynamic risk loss or not动态危险对某一部分人来讲可能带来收益，但或是损失，但静态危险对个人或社会来讲都会带来损失。 range of influence 动态危险影响范围更广泛。 characteristic静态危险有一定规律性，动态危险较难预测。 nature静态危险一般属于一种纯粹危险，动态危险属于一种投机危险。 According to the nature An important classification of risk involves the concepts of pure risk and speculative risk . pure risk :指只有损失机会，而没有获利可能的危险 pure risk exits when there is uncertainty as to whether loss will occur