1, risk?
Uncertainty of loss.
The difference between the expected result and the actual result.
The state of being unable to meet current and future needs.
2. Personal risk accident?
Birth, old age, illness, death, injury and disability.
3. What is the economic performance of personal risk accidents?
Lose income
supernumerary expenditure
Insufficient income
Income instability
Second, the analysis of personal risk factors
1, natural disasters
2. Accidents
3, the law of life
4. Health status
5. Other factors? Low wages, inflation, unemployment, divorce, gambling, alcoholism, drug abuse,
Domestic violence, etc.
Third, personal risk countermeasures
1, private plan
Personal?
Personal savings? Commercial insurance? Sell the property or mortgage the property? Ask relatives and children for help
Woman? Transfer to private welfare institutions? Improve work skills.
Employer?
Pension? Group insurance? Dismissal fee for life insurance, health insurance and annuity insurance? unemployment benefit
Post? Employee dividend plan and welfare plan? A stable employment plan? Vocational training?
2, the public * * * plan
Social relief and assistance
social security
Social allowance
help the poor
Macro control? Stimulate economic growth? Monetary policy? Stabilize the economy? Employment promotion financing
Policy? Employment policy.
Fourth, personal risk management decisions.
1, decision principle? Lowest cost? The guarantee is the highest.
2. Basic methods? Personal risk countermeasure combination? Choose the best.