风险与保险原理课件_ch02 风险管理的性质(英文版)(71页)ppt.pdf
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The Nature of Risk Management
Risk management is a scientific approach to the
problem of dealing with the pure risks facing
individuals and organizations. It evolved from
corporate insurance management, which focused
on the risk of accidental loss to assets and
income of the organization
The Nature of Risk Management
Many organizations have highly trained individuals
who specialize in dealing with pure risk. In some
cases this is a full-time job for one person, or
even for an entire department within the company.
Those who are responsible for the entire program
of pure risk management (of which insurance buying
is only a part) are risk managers.
Risk Management
Although the term risk management is a recent
phenomenon, the actual practice of risk management
is as old as civilization itself. In the broad
sense of the term, risk management is the process
of protecting one’s person and assets.