Professional Documents
Culture Documents
Nashed
Nashed
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):(Risk Concept
.
.
.
.
.
Peresonal and Genral Expection
Scientific Guess
.
)(
.
:
.
.
.
7
.
.
):(Nature of Risks
Noneconomic Risks
.Econimic Risks
Financial Loss
9
10
.
( :
Speculative Risks
)) (( )) ((.
) (
) (
) (.
11
( :
Pure Economic Risks
.
- :
) Static Risks
(Dynamic Risks
12
Objective Doubt
subjective doubt
.
:
.
:
.
:
.
:
13
:
.
):(Hazards
.
:
)(
.
14
.
:
- ):(Physical Hazards
.
- :
15
:
- ):(Morale Hazards
.
.
16
( ):(Moral Hazard
.
:
:
.
17
:
.
:
. :
.
. :
.
. :
.
):(Nature of Hazards
:
-
. Perasonal Hazards
-
18
) Property
.(and Liability Hazards
-
.
.
19
):(Perils
:
.
):(Loss
20
.
:
:
.
):(Personal Perils
PERSONAL Perils
Sickness
Disability
Death
21
Lightning
Windstorm
Fire
Water
Earthquakes
Glass Breakage
Explosion
Dishonesty
Strikes
Fraud
Collision
Hail
.
.
Failure of Contractors
Transportation of Goods on laad Sea and Air
Monetary Laflation
Liability
22
Toward Strangers
Toward Properties
Toward Employees
) (
23
)(Measurements of Risk
)(
.
):(Degree of Risk
24
Utils
25
.
:
))
((.
) : (Costs of Unexpected
): :(Costs of Uncertainty
26
.
):(Probability of Loss
.
)(
.
:
:
.
27
Expected Probability
Realized Probaility
Law of Large Numbers
Poisson ) (
.
28
.
%
29
%
%
%
.%
-
.
-
30
.
-
.
-
.
-
.
31
Irrarional Specutative
.
):(Expected Loss
.
Amount at Stake or Risk
32
33
- = ,
- % =,
- % = ,
- % =,
- % =,
- % = ,
.
):(Expectatiol of Loss
34
Amount at Stake
x
= x
:
= x
35
:
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.
=,x,
: = xx.
36
%
:
=x,x, %.
=,=,x,x,.
: ):(Risk Severity
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,
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37
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) (
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38
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39
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40
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41
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42
)(
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43
)(Risk Management
44
Risk Control
.
.
) .(Risk Manager
45
.
:
-
.
-
.
-
-
.
)(Policies of Management
46
Risk Avoidance
:
.
47
.
(
Unplanned Risk Assumption
48
.
49
- Contingency Reserve
.
50
.
(
Loss
51
.
-
.
-
Sprinkles
.
52
.
.
53
54
.
:
. ):(Construction Gontracts
55
Transferee
Transferor Goat of Risk
Transferee
56
. ):(Leases
.
Lessee
Lessor
57
.
. ):(Cariers Contracts
Carrier
58
. ):(Bailment Contracts
Bailor
Baielee
59
. ):(Forming Organizaytions
60
):(Risk Reduction
.Accurate Prediction
Risk Aversion
.
) ( .
61
) ( =
x x
, = , x x
=
= ,
62
.
)(
63
( ):(Pooling of Risks
Risk Exposures
Averages
.
General Average
64
.
( ):(Insuring of Risk
65
66
):(Quantiattive Opprooches
Statsitical
Decision Theory
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71
) (:
72
73
)(Insurance
74
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75
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Insurance Retetion .
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76
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77
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Kulp
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Dandel
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79
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80
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81
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82
Loss Expected
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83
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Low of Iarge
Number
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84
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85
Tidal Waves
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Homogenous
Discrimination Classify
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86
Adverse
Selection
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Mass Similarity
87
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88
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91
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92
( :
Personal Insurance
Commercial
Insurance
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93
( )(:
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94
)(Life Assurance
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( )(Property Insurance
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- .
- .
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- .
- .
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:
.
95
.
96
.
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97
:
- :
Insurer
Insured
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Beneficiary
98
Life Insured
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99
)( )(
.
100
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Ceding Insurer
Reinsures
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Risk Transfer Risk Distribution
Coverage .Insurance Risk
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101
) (
Reinsurance
Proportional )(%
)(%
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102
Non
Proportional Reinsurance
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103
.
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Self Incurance
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104
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105
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106
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107
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114
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115
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116
117
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118
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119
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121
- ) .(Temporary Annuity
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122
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Installments Policies )(
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124
) (%
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125
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Joint Life
(Assurance
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Joitn Life
(Annuity
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126
Reversionary
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127
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128
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129
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130
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132
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133
Warehouse to Warehouse
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% .
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134
( :
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135
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136
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137
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138
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139
):(F.A.A
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Free of all Average
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of Particular average
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W.P.A
140
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141
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Insurance
142
Commission Insurance
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143
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146
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147
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148
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149
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& Specified Diseases).
(Personal
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Accidence and All Sickness).
150
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