风险管理与保险课件第2章.ppt
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第一部分 风险管理和保险基础
第1章 风险 • 第2章 风险管理
第3章 保险 第4章 影响保险合同的基本因素 第5章 保险合同的内容及其分析
1
第二章 风险管理
2
§2.1 什么是风险管理？ What is Risk Management?
• The decision-making process by which an organization or individual reduces the negative consequences of risk.
• 选择最经济、最有效的方法使风险成本 最小。
• 可分为损失前的管理目标和损失后的管 理目标。
8
2、Identify Problems 识别风险
• 风险管理者必须寻找出公司所面临的各 种风险，特别是一些容易为人们所忽视 的风险。
9
3、Evaluate Problems 估算风险
• 衡量潜在损失的规模和发生的可能性， 把风险分为Unbearable risks，Difficult to bear risks ， Relatively unimportant exposures to loss。
HIGH
百度文库
HIGH Avoidance
LOW
Loss Reduction Transfer
LOW
Loss Prevention Retention
Retention
12
• 从理论上来说，风险事件发生的频率和 损失程度有以下四种组合：
• (1)发生的频率高，损失程度大； • (2)发生的频率高，损失程度小； • (3)发生的频率低，损失程度小； • (4)发生的频率低，损失程度大，这正是
• Relatively unimportant exposures to loss(一 般 风 险 )would not materially affect the organization’s activities.
11
4、Choose Alternatives 选择方案
FREQUENCY
SEVERITY
• 风险管理的过程（The Risk Management Process）与一般的决策过程类似。
6
1、Set Objectives建立目标
2、Identify Problems识别风险
3、 Evaluate Problsms风 险 估 算
4、 Choose Alternatives选 择 方 案
• 一个组织或个人用于降低风险负面影响 的决策过程。
3
风险管理的目标 是降低与风险有关的成本
• 损失控制成本loss control costs. • 机会损失成本lost opportunity. • 心理成本psychological costs. • 损失融资成本financing of losses. • 实际损失成本actual losses.
17
Case
• Devin Davis is an independent oil driller in Oklahoma. He feels that the most important risk he has is small property damages to his drilling rig, because he constantly has small, minor damage to the rig while it is being operated or taken to new locations.
4
风险经理
• Small
firm→the
owner
• Larger organization→
a staff position. Risk
manager
reports
directly to the Chief
Executive Officer or
Chief
Financial
Officer.
5
§2.2 风险管理的过程
保险所涉及的情形。
13
5、Implement Alternatives, Monitor System
实施方案，检查方案
• 因为情况总在不断地发生变化，并且任 何人都有可能犯错误。
14
§2.3 风险管理与保险的关系
• 从客观对象来看： • 从方法论来看： • 从所管理的风险范围
来看：
15
Discussion Questions
5、 Implement Alternatives, Monitor System 实施方案，检查方案
7
1、Set Objectives 建立目标
• The primary objectives will focus on the tradeoff between risk and return.
16
• 2、It has been said that, “the most important thing in the world is to know what is most important now.” What do you think is the most important risk for you now? What do you think will be the most important risk you will face twenty-five years from now?
10
• Unbearable risks( 致 命 风 险 )are those so large that an organization’s finances would be disrupted enough to cause bankruptcy.
• Difficult to bear risks( 严 重 风 险 )would seriously impair the organization’s ability to operate, but not lead to bankruptcy.
• 1、Some firms provide annual medical screening tests, weight control programs, exercise facilities, and other health-related programs for employees. Do you think this is just another form of compensation, or may there be other reasons for such programs?
第1章 风险 • 第2章 风险管理
第3章 保险 第4章 影响保险合同的基本因素 第5章 保险合同的内容及其分析
1
第二章 风险管理
2
§2.1 什么是风险管理？ What is Risk Management?
• The decision-making process by which an organization or individual reduces the negative consequences of risk.
• 选择最经济、最有效的方法使风险成本 最小。
• 可分为损失前的管理目标和损失后的管 理目标。
8
2、Identify Problems 识别风险
• 风险管理者必须寻找出公司所面临的各 种风险，特别是一些容易为人们所忽视 的风险。
9
3、Evaluate Problems 估算风险
• 衡量潜在损失的规模和发生的可能性， 把风险分为Unbearable risks，Difficult to bear risks ， Relatively unimportant exposures to loss。
HIGH
百度文库
HIGH Avoidance
LOW
Loss Reduction Transfer
LOW
Loss Prevention Retention
Retention
12
• 从理论上来说，风险事件发生的频率和 损失程度有以下四种组合：
• (1)发生的频率高，损失程度大； • (2)发生的频率高，损失程度小； • (3)发生的频率低，损失程度小； • (4)发生的频率低，损失程度大，这正是
• Relatively unimportant exposures to loss(一 般 风 险 )would not materially affect the organization’s activities.
11
4、Choose Alternatives 选择方案
FREQUENCY
SEVERITY
• 风险管理的过程（The Risk Management Process）与一般的决策过程类似。
6
1、Set Objectives建立目标
2、Identify Problems识别风险
3、 Evaluate Problsms风 险 估 算
4、 Choose Alternatives选 择 方 案
• 一个组织或个人用于降低风险负面影响 的决策过程。
3
风险管理的目标 是降低与风险有关的成本
• 损失控制成本loss control costs. • 机会损失成本lost opportunity. • 心理成本psychological costs. • 损失融资成本financing of losses. • 实际损失成本actual losses.
17
Case
• Devin Davis is an independent oil driller in Oklahoma. He feels that the most important risk he has is small property damages to his drilling rig, because he constantly has small, minor damage to the rig while it is being operated or taken to new locations.
4
风险经理
• Small
firm→the
owner
• Larger organization→
a staff position. Risk
manager
reports
directly to the Chief
Executive Officer or
Chief
Financial
Officer.
5
§2.2 风险管理的过程
保险所涉及的情形。
13
5、Implement Alternatives, Monitor System
实施方案，检查方案
• 因为情况总在不断地发生变化，并且任 何人都有可能犯错误。
14
§2.3 风险管理与保险的关系
• 从客观对象来看： • 从方法论来看： • 从所管理的风险范围
来看：
15
Discussion Questions
5、 Implement Alternatives, Monitor System 实施方案，检查方案
7
1、Set Objectives 建立目标
• The primary objectives will focus on the tradeoff between risk and return.
16
• 2、It has been said that, “the most important thing in the world is to know what is most important now.” What do you think is the most important risk for you now? What do you think will be the most important risk you will face twenty-five years from now?
10
• Unbearable risks( 致 命 风 险 )are those so large that an organization’s finances would be disrupted enough to cause bankruptcy.
• Difficult to bear risks( 严 重 风 险 )would seriously impair the organization’s ability to operate, but not lead to bankruptcy.
• 1、Some firms provide annual medical screening tests, weight control programs, exercise facilities, and other health-related programs for employees. Do you think this is just another form of compensation, or may there be other reasons for such programs?