2. According to the nature of risk, risk can be divided into pure risk and speculative risk.
3. According to the environmental classification of risks, risks can be divided into static risks and dynamic risks.
4. According to the scope of loss, risks can be divided into basic risks and specific risks.
5. According to the classification of risk objects, risks can be divided into property risks, personal risks, liability risks and credit risks.
Insurance risk refers to the danger or accident that has not yet occurred and can cause damage to the subject matter insured, such as natural disasters, accidents or events. Events regarded as insurance risks are possible and accidental.
Risk in insurance refers to the uncertainty of loss, that is, it is difficult to determine and predict the time, place and consequences of loss subjectively.
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Under the new situation, the CIRC must strengthen supervision in five aspects:
1. Prevent insurance risks in advance. With the participation of domestic and foreign media, all walks of life are eager to apply for insurance companies. It should be noted that there are many links, a lot of efforts and a long process to turn the potential of insurance into reality. When examining and approving their qualifications, we should exclude all non-market factors and strictly follow them.