保险学第一章

1、LOGO保 险 学（第二版）A d d Y o u r C o m p a n y S l o g a nLOGOLOGOLOGOLOGO自然灾害自然灾害LOGO武汉沌口开发区雾霾天气武汉沌口开发区雾霾天气LOGO2012年北京特大暴雨年北京特大暴雨LOGO交通事故交通事故LOGO山西校车事故山西校车事故LOGO火灾火灾v 2011年年1月，武汉汉正月，武汉汉正街大火现场。街大火现场。v 此次火灾造成至少此次火灾造成至少14名人名人员死亡。员死亡。LOGO疾病疾病LOGO第一章第一章 风险与保险风险与保险风险及其特征风险及其特征第一节第一节风险的分类风险的分类第二节第二节风险管理风险管理第三节

2、第三节可保风险可保风险第四节第四节LOGO第一节第一节 风险及其特征风险及其特征LOGO风险是指引致损失的事件风险是指引致损失的事件发生的一种可能性发生的一种可能性损失事件事件并非事件并非特指特指可能性一、风险的概念一、风险的概念LOGO、 客观性客观性 损害性损害性 不确定不确定性性 可测性可测性发展性发展性二、风险的特征二、风险的特征LOGO风险的不确定性风险的不确定性空间空间时间时间结果结果LOGO三、风险的构成三、风险的构成LOGO（一）风险因素（一）风险因素风险因素，也称风险条件，是指引发风险事故或在风风险因素，也称风险条件，是指引发风险事故或在风险事故发生时致使损失增加的条件。是损

3、失的间接原险事故发生时致使损失增加的条件。是损失的间接原因。因。结冰路面结冰路面出门不锁门出门不锁门骗保 实质因素实质因素道德因素道德因素心理因素心理因素LOGOLOGOLOGOLOGOLOGO第二节第二节 风险的分类风险的分类LOGOLOGOLOGOLOGOPart 1按按风险产风险产生的原因生的原因分分Table of Contents政治风险自然风险社会风险经济风险技术风险LOGO第三节第三节 风险管理风险管理 一、风险管理的概念一、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。处理的主动行为。二、风险管理的目标二、风险管

4、理的目标1 1、损前目标：、损前目标：避免和减少风险事故形成的机会避免和减少风险事故形成的机会 2 2、损后目标：、损后目标：努力使损失的标的恢复到损失前的状努力使损失的标的恢复到损失前的状 态态 3 3、基本目标：以最小的成本获取最大的保障、基本目标：以最小的成本获取最大的保障LOGO三、风险管理的基本过程示意图三、风险管理的基本过程示意图风险分析与处理风险识别执行并定期检查LOGOLOGONO.1 风险识别风险识别v风险识别是风险管理的第一步。风险识别是风险管理的第一步。v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。 LOGOLOGONO.2风险估测风险估测 v风险估测是

5、指在风险识别的基础上，通过对所收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数理统计，估计和预测风险发生的概率和损失程度。度。LOGONO.3风险评价风险评价v风险评价通过定性、定量分析风险的性质以及比风险评价通过定性、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。处理和处理的程度。LOGONO.4选择风险管理技术选择风险管理技术 v根据风险评价结果，为实现风险管理目标，选根据风险评价结果，为

6、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。中最重要的一步。v1、避免、避免v2、自留、自留v3、预防、预防v4、抑制、抑制v5、转嫁、转嫁LOGONO.5风险管理效果评价风险管理效果评价 v风险管理效果评价是指对风险管理技术适用性及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。其收益性情况的分析、检查、修正和评估。LOGOLOGO四、四、风险管理技术风险管理技术 v 1、避免、避免v 2、自留、自留v 3、预防、预防v 4、抑制、抑制v 5、转嫁、转嫁LOGOv控制型风险管理技术控制型风

7、险管理技术v目的：目的：v1、在风险事故发生前，降低风险事、在风险事故发生前，降低风险事故发生的频率。故发生的频率。v2、在风险事故发生时或发生后，减、在风险事故发生时或发生后，减小损失程度。小损失程度。LOGOLOGOLOGOLOGO达喀尔拉力赛LOGOLOGOv财务型风险管理技术财务型风险管理技术v目的：目的：v在风险事故发生后，对发生的损失在在风险事故发生后，对发生的损失在经济上进行补偿。经济上进行补偿。LOGOLOGOLOGOLOGOLOGO第四节第四节 可保风险可保风险LOGO二、可保风险要件二、可保风险要件风险不是投机的风险不是投机的风险必须是偶然的风险必须是偶然的风险必须是意外的

8、风险必须是意外的大量标的受损可能大量标的受损可能重大损失可能重大损失可能12345一、概念：可保危险，可被保险公司接受或一、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。向保险公司转嫁的风险。LOGOv6、损失的概率可以预测、损失的概率可以预测LOGOv下列哪一项属于可保风险（下列哪一项属于可保风险（ ） v选项选项A：无法测定导致损失的风险：无法测定导致损失的风险 v选项选项B：投资股票可能遭受损失的风：投资股票可能遭受损失的风险险 v选项选项C：会使个人遭受轻微损失的风：会使个人遭受轻微损失的风险险 v选项选项D：分散地区发生洪水、地震的：分散地区发生洪水、地震的风险风险 LOG

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