Natural phenomena such as earthquakes, storms, fires and various plagues occur frequently and in large numbers. Among all kinds of risks, natural risk is the most insured risk by insurance companies.
Natural risks are characterized by:
(1) Uncontrollability of natural risk formation
(2) The periodicity of natural risks.
(3) The consequences of natural risk accidents are * * *, that is, once natural risk accidents occur, they often involve a wide range of objects.
2. Uncertainty of social risk: Social risk refers to the risk that social production and people's lives will suffer losses due to the actions (including negligent actions, improper actions and intentional actions) or omissions of individuals or groups.
Theft, robbery, dereliction of duty, vandalism and other acts may cause property damage or personal injury to others.
3. Uncertainty of political risk: Political risk refers to reasons beyond the control of both parties due to political reasons or in the process of foreign investment and trade; The risk that creditors may suffer losses.
The import of goods is suspended due to war or civil strife in the importing country; Because the importing country implements import or foreign exchange control.
4. Uncertainty of economic risk: Economic risk refers to the risk of business failure due to the influence of various factors such as market supply and demand, economic and trade conditions, or the operator's decision-making mistakes and the deviation of prospects. For example, the increase or decrease of enterprise production scale, price fluctuation and operating profit and loss.
5. Uncertainty of technical risk: Technical risk refers to the risk that threatens people's production and life with the development of science and technology and the change of production mode. Such as nuclear radiation, air pollution and noise.
Extended data:
The essence of risk: objectivity, contingency, damage, uncertainty, relativity (or variability), universality and sociality.
1, emergency
Due to the asymmetry of information, it is difficult to predict whether future risk events will occur.
2. Relativity theory
The nature of risk will change due to various factors in time and space.
3. Sociality
The correlation between the consequences of risk and human society determines the sociality of risk and has great social influence.
4. Objectivity
Risk is an objective existence independent of human will and consciousness. Because both the material movement in nature and the law of social development are determined by the internal factors of things and the objective laws beyond people's subjective consciousness.
5. Not sure
The time of occurrence is uncertain. Generally speaking, some risks are inevitable, but when they occur is uncertain. For example, in life risks, death is inevitable, which is an inevitable phenomenon in life, but when a person dies, it is impossible to determine when he is healthy.
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