摘要：Certain events as September 11, 2001, the flooding in Europe and Romania, Katrina hurricane from last year or the terrorists attacks from London and Madrid – are all compelling to understand the importance of risk exposures and the possibilities to identify them or at least to approximate their occurrence. To a smaller extend, all of us, individuals and companies, exposed to risks in our private and professional lives. The human impact of these exposures is increasing from year to year and it is important to estimate it. Two qualitative methods of approximating the impact of exposures over organizations are the standard bet and the perception of risks.
关键词：group exposure; risk analysis; risk psychology; risk shift standard bet.
