[其它考试]Chapter 1 Nature of Risk.ppt

;CII系列资格格考试主要包括三类： Certificate in Insurance（保险从业证） 该考试共 需40学分，必考课为Insurance, legal and regulatory II. Diploma in Insurance（保险文凭） 报考人须取得 Cert CII证书或年龄在21岁以上或具有足够的教育水平。该考试共需110学分：必考课为Insurance practice and regulation ,Business practice ,Insurance law. III. Advanced Diploma in Insurance（保险高级文凭） 该考试共有31门课程，每门课程各30或40学分。考生必须通过9-10门考试（获得290学分），获证后可使用“ACII”头衔。 必考科目： 代号 510 Risk, regulation and capital adequacy 代号 P05 Insurance law 代号 530 Business and economics;1. Nature of risk 2. Human perception of risk 3. Risk management 4. Risk assessment 5. Risk treatment 6. Risk data 7. Presentation of risk data 8. Statistical measurement ;1 Nature of risk;;Whats the difference between risk and chance?;The use of risk:; What‘s the point of discussing lots of different ways to define risk?;A Meaning of Risk;A Meaning of Risk;Page ? *;1;1; Frequency refers to the number of losses during a specified period. ;A Meaning of Risk;A2A Frequency and severity . ;1;A Meaning of Risk;Peril ;What’s the peril and hazard in the following case.;The water overflowed a house on the river bank. ;Peril, Hazard and Loss;In conjunction with peril and hazard, risk means the likelihood that the hazard will indeed cause the peril to operate and cause the loss.;B. Classification of risk;Example:;B. Classification of risk; The division between pure and speculative are becoming more blurred as time passes.;B. Classification of risk;Examples of Fundamental Risk;Particular Risk;Is risk static?;What kinds of risks are insurable?;C Cost of risk;D Benefits of risk;Summary;Specialized Words and Phrases:;physical hazard物质风险因素 moral hazard道德风险因素 damages损害赔偿 probability概率 insurer保险人 insurance applicant投保人 the insured=insurant被保险人 degree of risk 风险程度 premium 保费 cover/effect/arrange/ take out insurance投保;jargon行话 credit inurance信贷风险 vertial axis 纵轴 horizontal axis 横轴 insurance policy=cover保单 insured object保险对象 options期权 futures 期货;The end!