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Subject: господа! все знают что такое риск-менеджмент, но что такое риск пулинг? for better risk-pooling
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risk management - управление рисками risk pooling - "широкое территориальное покрытие рисков" широкий охват территории (из страхования) |
| risk pooling: Combining the uncertainty of individuals into a calculable risk for large groups. For example, you may or may not contract the flu this year. However, if you're thrown in with 99,999 other people, then health-care types who spend their lives measuring the odds of an illness, can predict that 1 percent of the group, or 1,000 people, will get the flu. The uncertainty is that they probably don't know which 1,000 people, they only know the number afflicted. This little bit of information is what makes risk pooling possible. If the cost is $50 per illness, then an insurance company can insure your 100,000-member group against flu if they collect $50,000 ($50 x 1,000 sick people), or 50 cents per person. By agreeing to pay the cost of each sick person in exchange for the 50 cent payments, the insurance company has effectively pooled the risk of the group. |
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of course that's right but: I mean we have one suitable russian word for риск-менеджмент, а вот for риск-пулинг как? риск-охват (спасибо про территорию), риск-покрытие или покрытие и охват рисков. Подскажите как грамотнее и красивше по русски сказать? |
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