1. Three types of risk factors: 1) material risk factors, 2) moral risk factors and 3) psychological risk factors.

2. Characteristics of risks:

1) objectivity of risk, 2) universality of risk, 3) contingency of individual risk,

4) the inevitability of a large number of risks, 5) the variability of risks.

3. Risk classification:

1) Risks classified by damage object (property risk, personal risk, liability risk and credit risk)

2) According to the causes of risk loss (natural risk, social risk, political risk, economic risk and technical risk).

3) According to the nature of risk (pure risk, speculative risk)

4) According to the risk range (specific risk, basic risk)

4. No-fault liability risk is also called absolute liability risk.

5. Risk management procedures

1) risk identification, 2) risk estimation, 3) risk management measures and 4) risk management decision.

6, the method of risk identification

1) financial statement analysis method, 2) risk enumeration method, 3) production flow chart method and 4) on-site inspection method.

7. Ways of risk management measures

1) risk avoidance, 2) loss control, 3) risk neutralization, 4) risk retention and 5) risk transfer.

8. What are the main functions of risk management in a single enterprise?

1) is conducive to the smooth realization of business objectives; 2) it can reduce the decision-making risk; 3) it is helpful to improve the operation efficiency of enterprises; 4) It can motivate employees to work hard and improve efficiency.

9. Constitutive conditions of insurable risk

1) The occurrence of risk is accidental; 2) The risk must be that a large number of targets may suffer losses;

3) The risk must be unpredictable; 4) Risks may lead to heavy losses.

10, characteristics of insurance: mutual assistance; Economy; Legal; Scientific.

1 1, insurance classification

1) classified by insurance intention (voluntary insurance, statutory insurance)

2) Classification according to the subject matter of insurance (property insurance and life insurance)

3) Classification according to business policies (social insurance, general insurance)

4) Classification according to the subject of protection (group insurance and individual insurance)

5) Classification by risk transfer mode (* * * same as insurance, double insurance, original insurance, reinsurance and reinsurance)

12, derivative function of insurance: disaster prevention and loss prevention; Financing function.