Trong mt chuyn hnh trnh c 4 ch hng gi hng trn tu;

Tng gi tr hng ha ca 4 ch hng: 800.000 USD

Trong : ch hng A : 200.000 USD
Ch hng B: 300.000 USD
Ch hng C: 100.000 USD
Ch hng D: 200.000 USD
Tr gi con tu ca ch tu l: 2.000.000 USD.
Tng cng ti sn l: 2.800.000 USD
Trng hp 1:
Mt hng vi ca ch hng A b chy thit hi hng ha c tnh l 150.000 USD. y l ri ro bt ng,
do tn tht ny l tn tht ring, ch hng A phi chu.
Ngn la chy sang phng my lm tu b thit hi 50.000 USD. y cng l tn tht ring ch tu phi
chu.
cu nguy chung cho c tu v hng, thuyn trng cn nhc tht k l phi dung nc dp tt
ngn la ( y l hnh ng d ch hi sinh ca thuyn trng, bi l thuyn trng bit trc c hu
qu ca vic dng nc dp tt la s lm hng mt s hng nhng vn phi lm). Vic dp tt ny lm
cho mt s hng ha ca ch hng khc b h hng. Thit hi c tnh 260.000USD. Sau khi dp tt la
hng vn v cng an ton. Nh vy, tn tht 260.000USD l tn tht chung m tt c cc ch hng ch
tu u phi chia s. T l ng gp c xc nh l:
Tn tht chung: 2600.000 USD.
Cng ng ti sn - tn tht ring:
2.800.00 USD (150.000 + 50.000) = 2.600.000 USD
Nh vy, mi ch hng v tu u fphair ng gp 10% tr gi c cu vn. S tin ng gp ny, ch
tu s n b li cho cc ch hng c hng ha b tn tht do hnh ng tn tht chung sau khi h
ng gp tn tht chung.
Trng hp 2
Nu sau khi dp tt ngn la, tu khng th chy c na. cu nguy
tu khi b chm, ch tu quyt nh thu tu khc ko tu v cng, chi phi cu h l 20.000 USD. Chi
ph ny cng l tn tht chung. Nh vy trong trng hpJ ny tn tht chung s l: 260.000 + 20.000 =
280.000 USD. V t l ng gp s khc i l: 280.000 / 260.000 = 12.5% tr gi c cu vn