HNDFS保险学1.doc

Q1:Two uses of insurance（Direct/Indirect）: Primary function: transfer risk to other and compensated Secondary function: Direct use： 1. Stimulate business activities. 2. Solution to social difficulties. 3. Remove business distractions and problems. 4. Promotion of loss prevention. 5. Promote invisible exports. Indirect use: 1. Promote investment in nation. 2. Marginally reduce price of goods and service. 3. Reduce insurance premiums. Q2: Definition of risk: Definition: Hazard, danger, exposure to mischance or peril. Risk is defined as the uncertainty of loss. Different type of risk: Pure risk: 纯粹风险the insurer has no prospect of gain if the risk is realized: (accident, fire) Speculative risk: 投机性风险this type of risk, there is the possibility of making a gain or a loss from each of the activities (invests in stock market, invest in house) You can not insure against speculative risk 有可能损失有可能盈利—不承保 Fundamental risk: 灾难性风险 a more graphic way of describing this type of risk is to refer to it as ‘catastrophic’ and uninsurable. (war, famine)加附加险或高额投保 Particular risk: 特殊险 this is risk where the consequences are restricted in scope but are still likely to result in a loss for the company or individual concerned (theft of building contents, accidental damage to possessions, vehicle accident) Acceptable risk: 不可投保风险this is risk that is inherent in certain activities and which therefore cannot be insured against (losing an item on which you place great sentimental value, although it may cost very little to replace ,being hit by a ball while watching a certain sport, football or baseball) Q3: Scope of two from four categories: Insurance: Insurance is economic compensation system which describes relationship between the condition that insured pays the premium and the insurer will compensate and give the benefit when perils occur. （被保险进行保险费用的交纳及保险事故的交付） The classes of insurance we will look at are property insurance, motor insurance, personal insurance and travel insurance. 1. Pro