查询词典 risk

This paper sets up the evolvement model of risk management system from the perspective of evolution, and illustrates, in a quantitative way, how cognitive structure, logistic discursion, information receive and diffuse behavior of risk management micro-agent influence the risk management system, which provides the research framework and practical instrument for the computer simulation of risk management system.

论文从进化的角度出发，构建了灾害管理系统的演化模型，探讨了灾害管理微观主体根据自身周围情况变化，不断改进自身的行为库和知识库，组成相互分工与协作的自组织系统，完成灾害管理任务。

Returns from these investments, bank savings, the lowest investment income, only 2%-3%, but its risk minimization, and the best liquidity; bond investment income of about 3%— 5 percent, its risk, realized a long time; the real estate rental investment income of about 5%-8%, with less risk, but poor liquidity; investing in stocks or buy new real estate investment, their investment income about 10% or more, but they risk the most, there are too many uncertainties.

这些投资的回报，银行存款，投资收入最低，只有2％-3 ％，但其风险最小化，最好的流动资金；债券投资收益的约3％- 5点，风险，实现很长一段时间；房地产投资租金收入约5％-8 ％，且风险较小，但穷人的流动资金投资于股票或购买新的房地产投资，其投资收益约10 ％或更多，但他们最危险，有太多的不确定因素。

On the basis, the thesis introduces the non-commercial risk main content: expropriation risk, inconvertibility risk and war risk.

第二章在明晰非商业风险相关概念的基础上，介绍了非商业风险的主要内容：征收险、汇兑限制险及战乱险。

This thesis conform to necessity of risk management of real estate. This thesis make foundations in the theory of risk , make systemic research and analysis of all kinds of risk factors of real estate market, expound the instancy and necessary of risk management of real estate.

本文顺应房地产开发经营风险管理的需要，在对风险理论研究的基础上，基于对房地产市场各类风险因素进行了系统的研究和分析，阐述了房地产风险管理的必要性和紧迫性。

Firstly,we analyzed the insurability of flood risk and concluded that under the condition of implementing mandatory flood insurance,building multi-level risk compensation mechanism and developing single risk flood insurance policy, flood risk is insurable.

首先，分析洪水风险的可保性，认为在实行强制性洪水保险、构建多层次风险损失补偿机制和发展单一洪水风险保单等条件下洪水风险是可保风险的结论。

In the fourth part, the thesis firstly analyses the principle and developing direction that the state-owned commercial bank should take to implement overall risk management. Then it expounds the countermeasures and measures for the state-owned commercial banks to carry out overall risk management in all dimensions, namely the reforming of the property right institution, bettering the risk management idea, structuring the framework of the risk management, building interne grade system and improving external economical environment.

论文的第四部分首先分析了国有商业银行实施全面风险管理应采取的原则和发展方向；其次从产权制度改革、优化风险管理理念、构建风险管理组织架构、建设内部评级系统以及改善外部经济环境等方面提出了国有商业银行实施全面风险管理的对策和措施。

This paper applies Risk-based strategic-systems audit mode to build framework of enterprise materially misreport risk assessment. Advanced technology of computer auditing is used in diverse audit analysis procedure. In order to construct a scientific evaluating system, Case- Based Reasoning is also applied in this research to identify and estimate the risk factor more correctly in auditing. This system will achieve at debasement of audit risk by avoiding blind audit effectively, using audit resources reasonably and making pertinent audit program.

本文运用现代风险导向审计的理念，构建审计企业重大错报风险评估框架；先进的计算机审计技术应用于多样性的分析性复核中；基于案例的推理技术引入到审计风险评估研究中，建立一套科学的评估体系以便较为准确的识别、评估审计中的风险因素，以期达到有效避免盲目审计，合理分配审计资源，有针对性地执行审计程序，从而实现降低审计风险的目的。

We obtain the risk process involved in this model,the statistical properties of the surplus process,and statistical features of the claim numbers and the probability distribution of the total amount of compensation.The three types of business of the risk model is given when the number of claims obey Poisson distribution and negative binomial distribution.We make a comparison between the risk model built in the thesis and the classic risk models with independent claim numbers when the amount of claims obey Weillbull distribution and Exponential distribution.The results have a good practical significance.

其次，考虑不同险种间的相互关系，建立了一种含有主副理赔的风险分析模型；借助随机过程和经典风险理论，对该风险模型所涉及的风险过程、盈余过程的统计特性以及理赔总额的概率分布、数字特征和矩母函数进行解析研究，给出了主理赔次数服从泊松分布和负二项分布的这种风险模型的具体实例，并在理赔额变量服从Weillbul分布和Exponential分布的情况下，把文中所建风险模型和理赔次数相互独立的风险模型作了比较，所得结果有很好的现实意义。

However, due to the influences of the traditional thought pattern and the mainstream media propaganda, as well as the lagging risk education and the lack of relevant systems, the public has limited rational risk consciousness, and their understanding of the risk omnipresence and responsibility to undertake the risk are insufficient.

但由于受传统思维模式、主流传媒宣传的影响，风险意识教育的滞后和相关制度的缺失，公众的风险理性意识程度较低，对风险的跨时空性认识不够，缺乏承担风险责任的主体意识。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。