《保险学原理》第一讲参考讲义 2007年春季学期
1 《保险学原理》第一讲参考讲义 2007年春季学期
第一讲风险与风险管理 第一节风险概述 第二节风险管理
2 第一讲 风险与风险管理 第一节 风险概述 第二节 风险管理
第 风险概述 风险的含义 风险的组成要素 三、风险的分类 四、风险的度量
3 第一节 风险概述 一、风险的含义 二、风险的组成要素 三、风险的分类 四、风险的度量
风险的含义 风险是一种客观存在的、损失的发生具 有不确定性的状态。 风险是一种客观存在的状态 风险是与损失相关的状态 风险是损失的发生具有不确定性的状态
4 一、风险的含义 风险是一种客观存在的、损失的发生具 有不确定性的状态。 风险是一种客观存在的状态 风险是与损失相关的状态 风险是损失的发生具有不确定性的状态
风险的组成要素 1、风险因素( Hazard):增加损失发生的频率 或严重程度的因素 (1)有形(物质形态)风险因素 Physical (tangible) Hazard (2)无形(非物质形态)风险因素 Non-physical (Intangible )Hazard 道德风险因素Mora| Hazard —行为(心理)风险因素 Morale hazard 2、风险事故(Peri):损失的直接原因 3、损失(Loss):价值的消灭或减少
5 二、风险的组成要素 1 、 风险因素(Hazard):增加损失发生的频率 或严重程度的因素 ( 1)有形(物质形态)风险因素 Physical (Tangible) Hazard ( 2)无形(非物质形态)风险因素 Non-physical (Intangible) Hazard ——道德风险因素 Moral Hazard ——行为(心理)风险因素 Morale Hazard 2 、 风险事故(Peril):损失的直接原因 3 、 损失(Loss):价值的消灭或减少
三、风险的分类 1、按风险的损害对象分: 人身风险 财产风险 责任风险 2、按风险的性质分: 纯粹风险 Pure risk ■投机风险 Speculative risk
6 三、风险的分类 1、按风险的损害对象分: 人身风险 财产风险 责任风险 2、按风险的性质分: 纯粹风险 Pure Risk 投机风险 Speculative Risk
三、风险的分类 3、按损失的原因分: 自然风险 社会风险 经济风险 ■政治风险 ■技术风险
7 三、风险的分类 3、按损失的原因分: 自然风险 社会风险 经济风险 政治风险 技术风险
专栏:学生所面临的风险 Harrington Niehaus risk Management and Insurance Consider some of the risks that you face during a semester as a student. The obvious risks are that you could become ill or injured you could have an automobile accident your residence could burn down, your vehicle could be stolen, and so on Consider some other risks that you face: You could buy food that is contaminated you could purchase a product that causes an accident, and your bank could fail You also are exposed to many other risks. For example, your teacher could give a very difficult exam, or you could forget a fundamental concept--so that in either case you bomb the exam, causing your grade point average to suffer. alternatively, your best
8 专栏:学生所面临的风险 Harrington & Niehaus, Risk Management and Insurance Consider some of the risks that you face during a semester as a student. The obvious risks are that you could become ill or injured, you could have an automobile accident, your residence could burn down, your vehicle could be stolen, and so on. Consider some other risks that you face: You could buy food that is contaminated, you could purchase a product that causes an accident, and your bank could fail. You also are exposed to many other risks. For example, your teacher could give a very difficult exam, or you could forget a fundamental concept—so that in either case you bomb the exam, causing your grade point average to suffer. Alternatively, your best f d ld d d d f
课后作业 请列出你在北大学习、生活中面临的五 大风险。 A4纸,不超过1页 下周四上课前交给助教
9 课后作业 请列出你在北大学习、生活中面临的五 大风险。 A4纸,不超过1页 下周四上课前交给助教
四、风险的度量 标准差是常用的风险度量指标 期望:均值 方差:度量对均值的偏差 标准差:方差的开方,单位还原
10 四、风险的度量 标准差是常用的风险度量指标 期望:均值 方差:度量对均值的偏差 标准差:方差的开方,单位还原