Depending on the nature of the risk factor, it can usually be divided into what factors

Risk elements are made up of risk factors, risk accidents, and losses.

A risk factor is any event that increases the frequency or severity of a risk event. The more conditions that constitute a risk factor, the more likely it is that a loss will occur, and the more severe the loss will be.

There are two types of risk factors that affect the likelihood and extent of loss: tangible risk factors and intangible risk factors.

1. Tangible risk factors.

Tangible risk factors are those that contribute to the material aspects of the loss. For example, the area where the property is located, the building structure.

and uses, etc. Flooding is more likely in the south than in the north; Wooden houses are more likely to fire than concrete houses; Motor vehicles are more likely to be involved in traffic accidents than non-operating vehicles.

2. Intangible risk factors.

Non-material factors such as culture, customs and attitudes can also affect the likelihood of loss and the extent of damage. There are two types of intangible risk factors: moral risk factors and behavioral risk factors. Moral hazard factors refer to factors that deliberately contribute to the occurrence of a risk accident or magnify the damage caused by a risk accident that has already occurred through dishonesty, bad intentions, or fraudulent behavior.

Behavioral risk factors refer to factors that are prone to trigger the chance of risk accidents and expand the degree of loss due to people's carelessness and indifference in behavior.

Risk elements are made up of risk factors, risk accidents, and losses.

The increase of risk factors or the occurrence of risk accidents, and the loss caused by risk accidents, constitute a risk formation mechanism in tandem.

Risk factors are the conditions that contribute to and increase the frequency or severity of losses, and are divided into two categories: tangible risk factors and intangible risk factors.

The essence of risk classification is to judge the possibility of the debtor to repay the principal and interest of the loan in a timely and full amount or to perform the contract in full and in a timely manner based on the inherent risk degree of the loan and the debtor's ability to repay the loan in full. The main factors to consider are two types: tangible risk factors and intangible risk factors. 1. Tangible risk factorsTangible risk factors, also known as substantive risk factors, refer to the factors that a certain subject itself has that are sufficient to cause the occurrence of risk accidents or increase the chance of loss or aggravate the degree of loss, such as the geographical location of a building, the nature of the building materials used, etc.

2. Intangible risk factorsIntangible risk factors are risk factors related to people's psychology or behavior, including moral risk factors and psychological risk factors. Among them, moral hazard factors refer to the intangible factors related to people's moral cultivation, that is, due to people's dishonesty or bad intentions, deliberately promote the occurrence of risk accidents, resulting in property losses and personal factors. Psychological risk factors are intangible factors related to people's psychological state, although there is no subjective intention, but due to negligence, negligence or indifference, etc., it increases the chance of risk accidents or increases the severity of losses.

Both moral hazard factors and psychological risk factors are closely related to people and can also be called anthropogenic risk factors. <>

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Risks can be divided into natural risks, social risks, economic risks, political risks, technical risks and legal risks according to the causes of risks.

Risk refers to a specific dangerous event (accident or accident.

The combination of the likelihood of occurrence and the consequences it produces. From the definition of risk, it can be seen that risk is composed of two factors, one is the probability of the occurrence of the danger, that is, the probability of danger; The other is the consequences of the occurrence of the dangerous event.

It is generally believed that risk is an objective thing and does not depend on human will. In addition, risk also has the attributes of general objective things, that is, the occurrence of risk has a certain regularity; If there is a risk, there is a high possibility that it will cause some damage to people's lives; The uncertainty of risk includes the uncertainty of space, the uncertainty of the degree of loss, and the uncertainty of time. The occurrence of risk is difficult, and its occurrence is accidental; The nature of risk can vary depending on various objective factors.

Risk control. The four basic methods are risk avoidance, loss control, risk transfer and risk retention. Liquidity risk.

That is, the risk that the bank's current assets for instant payment are insufficient to meet the payment needs, making the bank lose its solvency. Although the current risk in this regard is temporarily masked by the high savings rate of residents, there are still potential difficulties in payment. Some experts and scholars have pointed out that China's commercial banks, especially state-owned commercial banks.

There is some truth to this in terms of "technically bankrupt".

Risk assessment. It is the use of various probability and mathematical statistical methods to calculate the frequency of occurrence of a risk and estimate the degree of damage, including the degree of direct damage, the degree of people and property consumed to prevent and deal with the risk, and the degree of indirect loss related to direct loss. The aim is to take different measures against the risk of loss of different degrees of rhetoric.

In order to control and reduce risks cost-effectively, it is necessary to adopt different means or measures for different risks.

Answer: b

According to the nature of risk factors, they can usually be divided into two types: tangible risk factors and intangible risk factors.

According to the classification of risk causes, risks can be divided into natural risks, social risks, political risks, economic risks and technological risks.

1. Natural risk: refers to the risk that social starvation and social life are threatened due to irregular changes in natural forces. The characteristics of natural risks are:

First, the uncontrollability of the formation of natural risks; second, the cyclical nature of natural limb decay such as risk formation; Third, the coincidence of the consequences caused by natural risk accidents, that is, once a natural risk accident occurs, it often involves a wide range of objects.

2. Social risk refers to the risk of loss of social production and people's lives due to the behavior of individuals or groups (including negligent acts, misdeeds and intentional acts) or omissions.

3. Political risk, also known as "national risk", refers to the risk that creditors may suffer losses due to political reasons or reasons beyond the reach of both parties in the process of foreign investment and foreign investment.

4. Hunger economic risk refers to the risk of business failure due to the impact of changes in various market supply and demand, economic conditions and other factors in production and sales and other business activities, or the operator's decision-making mistakes, deviation of prospect expectations.

5. Technological risk refers to the risk that threatens people's production and life with the development of science and technology and the change of production mode. Such as nuclear radiation, air pollution and noise, etc.