Weike · 2024年03月05日
NO.PZ2015121801000033
问题如下：
An entity choosing to accept a risk exposure may:
选项：
A.
buy insurance.
B.
enter into a derivative contract.
C.
establish a reserve fund to cover losses.
解释：
C is correct.
Risk acceptance is similar to self-insurance. An entity choosing to self-insure may set up a reserve fund to cover losses. Buying insurance is a form of risk transfer and using derivatives is a form of risk-shifting, not risk acceptance.
买保险是转移风险敞口，B和C应该怎么区分
Kiko_品职助教 · 2024年03月06日
嗨，从没放弃的小努力你好：
有细微区别，可以看下强化班这张图。但这个知识点里没必要研究那么细，可以粗略的都理解为风险转移，只不过适用对象不同。
Risk transfer is the process of passing on a risk to another party, often, but not always, in the form of an insurance policy.---保险对应risk transfer
risk shifting refers to actions that change the distribution of risk outcomes. Risk transfer is often associated with insurance, whereas risk shifting generally involves derivatives as the risk modification vehicle.----derivatives对应risk shifting
----------------------------------------------加油吧，让我们一起遇见更好的自己！
