保险学第一章

保险学（第二版）,AddYourCompanySlogan,主编魏华林林宝清,自然灾害,武汉沌口开发区雾霾天气,2012年北京特大暴雨,交通事故,山西校车事故,火灾,2011年1月，武汉汉正街大火现场。此次火灾造成至少14名人员死亡。,疾病,第一章风险与保险,风险及其特征,第一节,风险的分类,第二节,风险管理,第三节,可保风险,第四节,第一节风险及其特征,风险是指引致损失的事件发生的一种可能性,损失事件,事件并非特指,可能性,一、风险的概念,、,客观性,损害性,不确定性,可测性,发展性,二、风险的特征,风险的不确定性,三、风险的构成,（一）风险因素,第二节风险的分类,Part1,按风险产生的原因分,TableofContents,政治风险,自然风险,社会风险,经济风险,技术风险,第三节风险管理,一、风险管理的概念风险管理是指人们对各种风险的认识、控制和处理的主动行为。二、风险管理的目标1、损前目标：避免和减少风险事故形成的机会2、损后目标：努力使损失的标的恢复到损失前的状态3、基本目标：以最小的成本获取最大的保障,三、风险管理的基本过程示意图,NO.1,风险识别,风险识别是风险管理的第一步。是对企业面临的和潜在的风险加以判断、归类和鉴定风险性质的过程。,NO.2,风险估测,风险估测是指在风险识别的基础上，通过对所收集的大量详细损失资料加以分析，运用概率论和数理统计，估计和预测风险发生的概率和损失程度。,NO.3,风险评价,风险评价通过定性、定量分析风险的性质以及比较处理风险所支出的费用，来确定风险是否需要处理和处理的程度。,NO.4,选择风险管理技术,根据风险评价结果，为实现风险管理目标，选择最佳风险管理技术并实施。是风险管理程序中最重要的一步。1、避免2、自留3、预防4、抑制5、转嫁,NO.5,风险管理效果评价,风险管理效果评价是指对风险管理技术适用性及其收益性情况的分析、检查、修正和评估。,四、,风险管理技术,1、避免2、自留3、预防4、抑制5、转嫁,控制型风险管理技术目的：1、在风险事故发生前，降低风险事故发生的频率。2、在风险事故发生时或发生后，减小损失程度。,达喀尔拉力赛,财务型风险管理技术目的：在风险事故发生后，对发生的损失在经济上进行补偿。,第四节可保风险,二、可保风险要件,风险不是投机的,风险必须是偶然的,风险必须是意外的,大量标的受损可能,重大损失可能,1,2,3,4,5,一、概念：可保危险，可被保险公司接受或向保险公司转嫁的风险。,6、损失的概率可以预测,下列哪一项属于可保风险（）选项A：无法测定导致损失的风险选项B：投资股票可能遭受损失的风险选项C：会使个人遭受轻微损失的风险选项D：分散地区发生洪水、地震的风险,Contents,Addyourtextinhere,Addyourtextinhere,Addyourtextinhere,Addyourtextinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Addyourtextinhere,HotTip,ImageinformationinproductImage:CD_SchoolDays(EyeWire),www.photosclub.co.krNotetocustomers:ThisimagehasbeenlicensedtobeusedwithinthisPowerPointtemplateonly.Youmaynotextracttheimageforanyotheruse.,HowdoIincorporatemylogotoaslidethatwillapplytoalltheotherslides?OntheViewmenu,pointtoMaster,andthenclickSlideMasterorNotesMaster.Changeimagestotheoneyoulike,thenitwillapplytoalltheotherslides.,Clicktoedittitlestyle,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Textinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Textinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Textinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Textinhere,2.DescribecontentsforaChartDescriptionofthecompanyssubcontentsDescriptionofthecompanyssubcontents,1.DescribecontentsforaChartDescriptionofthecompanyssubcontentsDescriptionofthecompanyssubcontents,Title,Title,Title,Title,ChartTitleinhere,textinhere,textinhere,textinhere,textinhere,Clicktoedittitlestyle,Describeavisionofcompanyorstrategiccontents.,Describeavisionofcompanyorstrategiccontents.,Describeavisionofcompanyorstrategiccontents.,Describeavisionofcompanyorstrategiccontents.,70%,50%,83%,90%,65%,75%,50%,65%,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Clicktoedittitlestyle,Clicktoedittitlestyle,Textinhere,Textinhere,Textinhere,Textinhere,Textinhere,Textinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Titleinhere,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,ABCD,80%,90%,30%,55%,A.Descriptionofthecontents,B.Descriptionofthecontents,C.Descriptionofthecontents,D.Descriptionofthecontents,Clicktoedittitlestyle,Clicktoedittitlestyle,Descriptionofthecontents,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,Descriptionofthecontents,Descriptionofthecontents,Descriptionofthecontents,M1,M2,M4,M3,ClicktoaddTextClicktoaddTextClicktoaddTextClicktoaddText,Textinhere,Textinhere,Textinhere,Textinhere,ClicktoaddTextClicktoaddTextClicktoaddTextClicktoaddText,ClicktoaddTextClicktoaddTextClicktoaddTextClicktoaddText,ClicktoaddTextClicktoaddTextClicktoaddTextClicktoaddText,Clicktoedittitlestyle,Clicktoedittitlestyle,Textinhere,Textinhere,Textinhere,Textinhere,Text,Text,Text,Text,Descriptionofthecontents,Descriptionofthecontents,Descriptionofthecontents,Descriptionofthecontents,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,AddYourText,AddYourText,AddYourText,AddYourText,AddYourText,Text,Text,Text,Text,Text,Clicktoedittitlestyle,Clicktoedittitlestyle,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,-Descriptionofthecontents,-Descriptionofthecontents,CompanyLOGO,ClicktoaddText,ClicktoaddText,ClicktoaddText,ClicktoaddText,Clicktoedittitlestyle,2005,2035,Describeavisionofcompanyorstrategiccontents.,Descriptionofthecontents,Descriptionofthecontents,+40%,Describeavisionofcompanyorstrategiccontents.,Describeavisionofcompanyorstrategiccontents.,Descriptionofthecontents,Describeavisionofcompanyorstrategiccontents.,Clicktoedittitlestyle,2007.01,20062005,20042003,20022000,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,ThemeGalleryisaDesignDigitalContent&ContentsmalldevelopedbyGuildDesignInc.,2007.10AddYourText2007.10AddYourText2007.10AddYourText,2004,2005,2006,2007,CompanyHistory,2005.10Ad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