1

-1
1-1
2-1
3-1
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1.4.1
2.4.1
-2
1.2
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1.3
2.3
3.3
4.3
5.3

-4 ( )
1.4
1.1.4
2.1.4
23.1.4
2.4
1.2.4
2.2.4
3.2.4
1.4.4
2.4.4
-5 ( ) E /
-6

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-1
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12
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-15

Risk
Hazard
Moral hazard
Morale hazard

uncertainty
Financial loss
Risk management
Risk Identification
Risk analysis

Risk Assessment
Selecting the best method
Risk Avoidance
Self Insurance
Risk Control

Risk Reduction