风险与保险原理课件_ch01 风险的概念(英文版)(23页)ppt.pdf
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The Concept of Risk
1.Basic problem with which insurance deals 2.
Insurance theorists have not been able to
agree on a definitionCommon Elements in Definitions of Risk
1.Indeterminancy - at least two possible outcomes 2.
Adversity - at least one of the outcomes
is undesirable
The Text’s Definition of Risk
Risk is a condition in which there is a possibility
of an adverse deviation from a desired outcome that
is expected or hoped for. 1.
Risk not subjective - a state of the real world 2.
Risk can exist whether or not it is perceived 3.
Risk can be imagined where possibility of
loss does not exist
Uncertainty and its Relationship to Risk
1.The most widely held meaning of uncertainty
refers to a state of mind characterized by a lack
of knowledge or doubt about the future. 2.
It is contrasted with certainty, as in “I am certain
I will get an A in this course.” “I am uncertain
what grade I will get.”