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ACCA考试科目 P1 Risk Pooling?

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Gale 发表于 2012-7-18 09:02:16 | 显示全部楼层 |阅读模式
ACCA考试科目 P1 Risk Pooling?

What is risk pooling??

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acca_renrenwang 发表于 2012-7-18 14:51:28 | 显示全部楼层
A risk pool is one of the forms of risk management mostly practiced by insurance companies. Under this system, insurance companies come together to form a pool, which can provide protection to insurance companies against catastrophic risks such as floods, earthquakes etc. The term is also used to describe the pooling of similar risks that underlies the concept of insurance. While risk pooling is necessary for insurance to work, not all risks can be effectively pooled. In particular, it is difficult to pool dissimilar risks in a voluntary insurance market, unless there is a subsidy available to encourage participation
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