国际贸易运输及保险复习重点

国际贸易运输及保险复习重点（International trade,

transportation and Insurance Review）

The tenth chapter is about the basic knowledge of insurance

1., how to understand risk?

Risk refers to the uncertainty of a certain loss within a given period of time in a given objective situation.

To understand risk, we should grasp the following two aspects:

First, risk exists objectively and is not transferred by human will.

Second, risk loss is uncertain. Including the uncertainty of risk: the loss of the degree and range of random events lead to loss is uncertain, the loss occurred at a time of uncertainty, the loss of the place of uncertainty and loss caused by the uncertainty, which is unpredictable and uncontrollable

2. briefly describe the elements of risk and the relationship between them

The elements of risk include risk factors, risk accidents, risk loss three aspects, they constitute the basic conditions for the existence or absence of risk.

Risk factors are the factors that cause risk accidents or increase the frequency of losses or expand the extent of losses. There are usually three types of risk factors. Moral hazard

factor. Psychological risk factors.

Risk accident refers to the risk of becoming a reality, resulting in property damage or loss of life and health accidental events.

Risk loss, in risk management, loss refers to the unintended, unplanned and unplanned economic value reduction, that is, the economic value of accidental decrease or loss. They are usually classified as direct loss (i.e., substantial loss), indirect loss (including extra cost, loss of income, loss of liability)

Risk factors, risk accidents and loss of risk between the three relations: risk factors lead to risk accidents, risk accidents lead to risk losses. Therefore, risk is the unity of risk factors, risk accidents and risk losses.

3. simply analyze the function of insurance.

The function of insurance refers to the inherent function of insurance, which is determined by the nature and content of insurance, and the function of insurance is the objective reflection of the nature of insurance. The function of insurance can be divided into basic function and derivative function.

The basic function of insurance: it can be summed up as the method of collecting insurance premium to disperse the loss of disaster and accident, so as to realize the purpose of economic compensation. Therefore, to disperse the risk function (insurance is a mechanism to spread risk and share losses) and

to compensate for the loss (including the function of economic compensation and the payment of insurance benefits) are two inseparable parts of the insurance mechanism. These two functions complement each other, and compensation for loss is the ultimate goal of insurance, and it is the precondition and means of economic compensation to spread risk. Therefore, the two are the unity of means and purpose in the operation of insurance mechanism, and the most basic reflection of the essential characteristics of insurance.

The function of insurance is derived based on the basic functions of the formed and developed, usually reflects the financing function and loss prevention function two. First, the financing function means that the part of the insurance fund is temporarily idle and re - entered into the process of social reproduction. Second, loss prevention function, is to prevent the occurrence of disasters and accidents and prevent further loss. This function is actually to provide risk management services.

4. what kinds of insurance do you have?

There are many kinds of insurance, and there are different classifications according to different standards.

According to the different classification of insurance policy

Social insurance is a social security system in which the state provides some material assistance to social workers to temporarily or permanently lose their ability to work or lose their jobs in order to protect their basic livelihood.