题目解释:风险评估是发现风险并找出公司可能受到风险冲击的程度.问,一般通过什么指标来衡量风险?

考点: risk assessment  关键词: risk assessment 

解题思路: 风险衡量的程度包括风险发生的可能性和风险的重要程度两部分

The probability or probabilities of a loss occurring are used in calculating the expected loss. The expected loss, given a set of probabilities, is the amount that management expects to be lost to a given risk on average in one year. The probability of a loss occurring is used in calculating the expected loss, and expected loss is one of the terms used to express the measurement of a potential loss from a specific risk. However, the probability of a loss occurring is not the only input into calculating expected loss and assessing risk.
The amount of a loss, if a loss does occur, is used in calculating the expected loss, and expected loss is one of the terms used to express the measurement of a potential loss from a specific risk. However, the amount of a loss if it occurs is not the only input into calculating expected loss and assessing risk.
The expected loss, given a set of probabilities, is the amount that management expects to be lost to a given risk on average in one year. Expected loss is one of the terms used to express the measurement of a potential loss from a specific risk, but it is not the way risk is assessed.
Risk assessment is the process of analyzing and considering risks from two perspectives: (1) the likelihood of the risk's occurring and (2) the potential impact of the event if it does occur. The likelihood of the risk's occuring is called the loss frequency . The potential impact of the event if it does occur is called loss severity . Loss frequency is the measurement of how often the loss occurs, on average. Loss frequency is expressed in relation to a time period such as a year. A loss frequency of .25 per year means there is a 25% probability that a loss will take place in any given year, and on average, a loss occurs once every four years. Loss severity measures how serious a loss is when it occurs, in terms of cost. For example, historically when a loss has occurred, the average cost of the loss is $50,000. Both the loss frequency and the loss severity are used in measuring the potential loss that could occur from a specific risk and thus assessing the risk.