1、Chapter 10,Risk Management and Insurance 风险管理和保险,Learning objectives,Approaches to Managing Business Risks 管理企业风险的方法 Insurance and Its Principles 保险及其原则 Insurable Risks 可保风险 Insurance for Business 企业保险 Fidelity and Surety Bonds 忠实险和履行义 务险,Approaches to Managing Business Risks 管理企业风险的方法,Risk - Uncert
2、ainty of occurrence of any unforeseen event 任何无法预料事件发生的不确定性What is Risk Management?It is a process to: Control and prevent losses Reduce the total cost of risk over a long period of time Preserve the financial integrity of the business,Approaches to Managing Business Risks 管理企业风险的方法,Two factors that
3、 a company should take into consideration before assuming risks: The amount of money involved 涉及多少资金 The probability of success 成功的概率,Approaches to Managing Business Risks 管理企业风险的方法,Risk Management Process风险管理的基本过程 Recognise 风险识别 Evaluate 风险评估 Control 风险处理 Review效果评估与回顾,Approaches to Managing Busine
4、ss Risks 管理企业风险的方法,Approaches to Managing Business Risks 管理企业风险的方法,Approaches to Managing Business Risks 管理企业风险的方法 Avoid the risk 避免风险 Control the risk 控制风险 Assume the risk 假设风险 Shift the risk- Insurance 转移风险套期保值：交易者配合在现货市场的买卖，在期货市场买进或卖出与现货市场交易品种、数量相同，但方向相反的期货合同，以期在未来某一时间通过卖出或买进此期货合同来补偿因现货市场价格变动带来的实
5、际价格风险。,Insurance and Its Principles 保险及其原则,Insurance is a risk-sharing mechanism whereby many individuals contribute to a pool of money.保险是一种由许多个人作贡献而汇聚成基金的风险分担机制。 Premium 保险费 Insurance policy 保险合同 Policyholder 投保人,Insurance Principles 保险原则,Principles： Insurable interest 可保利益 Utmost good faith 最大诚信
6、Indemnity 受损补偿 Contribution 损失分担 Subrogation 担保取代 The doctrine of proximate cause 就近原则,Insurance Principles 保险原则,Insurable interest 可保利益 A person may not insure against any risk unless he will suffer a loss if the risk occurs. 如果出险，投保人没受损失便不能享受保险。,Insurance Principles 保险原则,Utmost good faith 最大诚信 The
7、 insured must tell the insurance company every detail he knows that may affect him when fixing premium and paying any claim later. 保险人必须告诉保险公司他所知道的日后影响保险费确定和索赔的所有细节。,Insurance Principles 保险原则,Indemnity 受损补偿 In case of loss, the insured is compensated for the loss and restored to the position he was
8、in at the moment that loss occurred. 如果发生损失，保险人得到受损的赔偿，并恢复到损失没有发生前的状态。,Insurance Principles 保险原则,Contribution 损失分担 No matter how many policies are taken out to cover a risk, the amount of compensation that can be claimed in total is still only the indemnity figures. 无论为同一保险投了多少份保险，索赔额只能是投保价值的总额。,Ins
9、urance Principles 保险原则,Subrogation 担保取代 If it is desirable, the insurance company has the right to replace the insured person. 如果有必要，保险公司有权更替受保人。,Insurance Principles 保险原则,The doctrine of proximate cause 就近原则 The insured cannot claim compensation unless the insured risk is the closest cause of losse
10、s. 除非该险是造成损失最直接的原因，否则受保人不得索赔。,Case： 如某人投保了人身意外伤害险，发生交通事故并使下肢伤残，但在康复过程中，突发心脏病，导致死亡。其中，心脏病突发为独立的新介入的原因，在人身意外伤害险中，不属于保险责任范围，但其为死亡近因，因此，保险人对被保险人死亡不承担赔偿责任。但对其因交通事故造成的伤残，保险人应承担保险金的支付责任。,Insurable Risks 可保风险,Characteristics 风险是按照以往发生的概率来计算的，否则就是不可保的。 投保的损失超出保户的控制范围。 风险扩散到广大地区。 保险公司必须确保要有足够的可能购买保险的人群，而且是来自各
11、行各业的人。,Insurance for Business 企业保险,Four types Property insurance 财产险 Liability insurance 责任险 Health insurance 医疗险 Life insurance 人寿险,Insurance for Business 企业保险,Property insurance 财产险Types Fire insurance 火险 Marine and aviation insurance 海险和航空险 Business interruption insurance 营业中断险,Insurance for Busi
12、ness 企业保险,Liability insurance 责任险Types General liability 共同责任险 Workers compensation 工伤赔偿 Automobile insurance 汽车险,Insurance for Business 企业保险,Health Insurance 医疗保险 Surgical and hospital expenses,Insurance for Business 企业保险,Life Insurance 人寿保险Types Term life insurance 简单寿险 Straight life insurance 终身寿
13、险 Limited payment life insurance 限期缴费寿险 Endowment life insurance 两全寿险,Insurance for Business 企业保险,Life Insurance Plans 企业人寿保险计划Types Group life insurance 集团寿险 Key person insurance 关键人物险 Credit life insurance 信用寿险 Retirement and Pension Plans 退休养老计划,Insurance for Business 企业保险,Fidelity and Surety Bonds 忠实险和履行义务险 忠实险保护雇主免受由于雇员的不诚实（如偷窃或挪用公款等行为）而造成的经济损失。 履行义务险：避免公司因为职员没能履行应尽义务遭受挫折。,
