国际贸易运输及保险复习重点

1、国际贸易运输及保险复习重点（ International trade,transportation and Insurance Review )The tenth chapter is about the basic knowledge of insurance1., how to understand risk?Risk refers to the uncertainty of a certain loss within a given period of time in a given objective situation.To understand risk, we should gr

2、asp the following two aspects:First, risk exists objectively and is not transferred by human will.Second, risk loss is uncertain. Including the uncertainty of risk: the loss of the degree and range of random events lead to loss is uncertain, the loss occurred at a time of uncertainty, the loss of th

3、e place of uncertainty and loss caused by the uncertainty, which is unpredictable and uncontrollable2. briefly describe the elements of risk and the relationship between themThe elements of risk include risk factors, risk accidents, risk loss three aspects, they constitute the basic conditions for t

4、he existence or absence of risk.Risk factors are the factors that cause risk accidents or increase the frequency of losses or expand the extent of losses. There are usually three types of risk factors. Moral hazardfactor. Psychological risk factors.Risk accident refers to the risk of becoming a real

5、ity, resulting in property damage or loss of life and health accidental events.Risk loss, in risk management, loss refers to the unintended, unplanned and unplanned economic value reduction, that is, the economic value of accidental decrease or loss. They are usually classified as direct loss (i.e.,

6、 substantial loss), indirect loss (including extra cost, loss of income, loss of liability)Risk factors, risk accidents and loss of risk between the three relations: risk factors lead to risk accidents, risk accidents lead to risk losses. Therefore, risk is the unity of risk factors, risk accidents

7、and risk losses.3. simply analyze the function of insurance.The function of insurance refers to the inherent function of insurance, which is determined by the nature and content of insurance, and the function of insurance is the objective reflection of the nature of insurance. The function of insura

8、nce can be divided into basic function and derivative function.The basic function of insurance: it can be summed up as the method of collecting insurance premium to disperse the loss of disaster and accident, so as to realize the purpose of economic compensation. Therefore, to disperse the risk func

9、tion (insurance is a mechanismto spread risk and share losses) and to compensate for the loss (including the function of economic compensation and the payment of insurance benefits) are two inseparable parts of the insurance mechanism. These two functions complement each other, and compensation for

10、loss is the ultimate goal of insurance, and it is the precondition and means of economic compensation to spread risk. Therefore, the two are the unity of means and purpose in the operation of insurance mechanism, and the most basic reflection of the essential characteristics of insurance.The functio

11、n of insurance is derived based on the basic functions of the formed and developed, usually reflects the financing function and loss prevention function two. First, the financing function means that the part of the insurance fund is temporarily idle and re - entered into the process of social reprod

12、uction. Second, loss prevention function, is to prevent the occurrence of disasters and accidents and prevent further loss. This function is actually to provide risk management services.4. what kinds of insurance do you have?There are many kinds of insurance, and there are different classifications

13、according to different standards.According to the different classification of insurance policySocial insurance is a social security system in which the state provides some material assistance to social workers to temporarily or permanently lose their ability to work or lose their jobs in order to pr

14、otect their basic livelihood.The commercial insurance is the insured according to the contract, pay insurance premiums to the insurer and the insured for the contract of possible accidents caused by the loss of its assets to bear the liability to pay the insurance money, or when the insured person d

15、ies, disability or disease to contract age or time period for paying insurance the behavior of liability insurance.According to the insurance, whether for-profit classificationFirst, earnings insurance is commercial insurance for profit purposes, and commercial insurance is basically a profit-making

16、 insurance.Nonprofit insurance meansthat the purpose of the operation is not to make profits,It is the mutual cooperation insurance (social insurance, agricultural insurance, export credit insurance and indemnity insurance) that improves the welfare of the whole society or achieves a mutual assistan

17、ceAccording to the classification of different forms of insurance C.The original insurance is the insurance contract signed by the insurer and the insured, which constitutes the insurance of the insurer and the insurers rights and obligations.Reinsurance is also a reinsurance, which is an insurance

18、that the insurer transfers part or all of its risks and liabilities to other insurers. This way of risk transfer is the insurers vertical shift to the original risk, that is, the second risk shift.Co insurance, also known as coinsurance, is composed of several insurance joint directly cover the same

19、 subject, the same risk insurance, the same insurable interest insurance.The double insurance, the insured is on the samesubject matter of the insurance, the same insurable interest, the same insurance accident insurance at the same time respectively, with more than two people enter into an insuranc

20、e contract, the insured amount exceeds the value of insurance and insurance.The twelfth chapter is about the basic principles of insurance1, the composition of the insurance benefits?Legal interests must be recognized. Insurable interest must be in accordance with the law, meet the requirements of t

21、he social public order, be recognized by law and be protected by law. The benefits arising out of illegal acts shall not be used as insurance benefits. For example, to insure property against stolen property, the insurance contract is null and void.Economic interests must be. Insurable interest must

22、 be in the interest of monetary calculation and valuation. It is impossible to calculate its value in the form of money. The loss can not be compensated by money. It cannot be used as insurance benefits.It must be a certain interest and a profitable one. Only by the policy holder subjectively finds

23、the existence, but in the objective reality does not exist the benefit, should not take the insurance benefit. Certain insurable interests include the existing interest of the insured on the subject matter of insurance and the expected interest arising from the existing interest.2, the meaning and c

24、ontent of the principle of utmost good faithIntegrity refers to all the important facts of the party sincerely to each other fully and accurately inform the relevant insurance, does not allow any hypocrisy, deceit, concealment behavior. And not only whenthe insurance contract is concluded, it should abide by this principle, b