期刊名称：Ovidius University Annals: Economic Sciences Series
电子版ISSN：2393-3127
出版年度：2011
卷号：11
期号：1
语种：English
出版社：Ovidius University Press
摘要：Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks,there would be no insurance. Therefore,risk insurance is a specific element,being subject to any insurance contract. Seeking a definition for risk,one can say that “risk is a danger,a threat faced by goods,people,businesses and insurance companies may provide”. The insurance companies have to deal with specific risks as their field of activity: risks generated by undercutting premiums,incorrect sizing of technical reserves,unpredictable changes in the frequency of claims,an inadequate reinsurance and risk of general nature common to all types of businesses: incompetent management or maladministration development strategies,etc.
