{"id":21159,"date":"2026-06-24T03:21:57","date_gmt":"2026-06-24T03:21:57","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21159"},"modified":"2026-06-24T03:21:57","modified_gmt":"2026-06-24T03:21:57","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9a%e9%a3%8e%e9%99%a9%e7%b1%bb%e5%88%ab","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21159","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1a\u98ce\u9669\u7c7b\u522b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728\u4fdd\u9669\u5b66\u4e2d\uff0c<strong>\u98ce\u9669\uff08Risk\uff09\u901a\u5e38\u5206\u4e3a\u4e09\u5927\u7c7b\u522b<\/strong>\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Pure Risk\uff08\u7eaf\u7cb9\u98ce\u9669\uff09<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53ea\u6709<strong>\u635f\u5931\u6216\u65e0\u635f\u5931<\/strong>\u4e24\u79cd\u7ed3\u679c\uff0c\u6ca1\u6709\u83b7\u5229\u7684\u53ef\u80fd\u3002<\/li>\n\n\n\n<li>\u8fd9\u662f\u4fdd\u9669\u516c\u53f8\u4e3b\u8981\u627f\u4fdd\u7684\u98ce\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f8b\u5b50\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u706b\u707e<\/li>\n\n\n\n<li>\u8f66\u7978<\/li>\n\n\n\n<li>\u75be\u75c5<\/li>\n\n\n\n<li>\u76d7\u7a83<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7ed3\u679c\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loss\uff08\u635f\u5931\uff09<\/li>\n\n\n\n<li>No Loss\uff08\u65e0\u635f\u5931\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. Speculative Risk\uff08\u6295\u673a\u98ce\u9669\uff09<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53ef\u80fd\u5bfc\u81f4<strong>\u635f\u5931\u3001\u65e0\u53d8\u5316\u6216\u83b7\u5229<\/strong>\u3002<\/li>\n\n\n\n<li>\u4e00\u822c\u4e0d\u5c5e\u4e8e\u53ef\u4fdd\u98ce\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f8b\u5b50\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u80a1\u7968\u6295\u8d44<\/li>\n\n\n\n<li>\u8d4c\u535a<\/li>\n\n\n\n<li>\u521b\u4e1a\u7ecf\u8425<\/li>\n\n\n\n<li>\u5546\u54c1\u4ea4\u6613<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7ed3\u679c\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loss\uff08\u635f\u5931\uff09<\/li>\n\n\n\n<li>No Loss\uff08\u65e0\u53d8\u5316\uff09<\/li>\n\n\n\n<li>Gain\uff08\u83b7\u5229\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fundamental Risk\uff08\u57fa\u672c\u98ce\u9669\uff09\u4e0e Particular Risk\uff08\u7279\u5b9a\u98ce\u9669\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u6559\u6750\u5c06\u98ce\u9669\u6309\u5f71\u54cd\u8303\u56f4\u8fdb\u4e00\u6b65\u5206\u7c7b\uff0c\u5176\u4e2d\u5e38\u89c1\u7684\u4e09\u7c7b\u98ce\u9669\u662f\uff1a<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">(1) Fundamental Risk\uff08\u57fa\u672c\u98ce\u9669\uff09<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f71\u54cd\u6574\u4e2a\u793e\u4f1a\u6216\u5927\u91cf\u4eba\u53e3\u3002<\/li>\n\n\n\n<li>\u901a\u5e38\u8d85\u51fa\u4e2a\u4eba\u63a7\u5236\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f8b\u5b50\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5730\u9707<\/li>\n\n\n\n<li>\u6d2a\u6c34<\/li>\n\n\n\n<li>\u901a\u8d27\u81a8\u80c0<\/li>\n\n\n\n<li>\u6218\u4e89<\/li>\n\n\n\n<li>\u75ab\u60c5<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">(2) Particular Risk\uff08\u7279\u5b9a\u98ce\u9669\uff09<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f71\u54cd\u4e2a\u4eba\u6216\u5c11\u6570\u4eba\u3002<\/li>\n\n\n\n<li>\u901a\u5e38\u7531\u4e2a\u4eba\u4e8b\u4ef6\u5f15\u8d77\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f8b\u5b50\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u623f\u5c4b\u5931\u706b<\/li>\n\n\n\n<li>\u6c7d\u8f66\u78b0\u649e<\/li>\n\n\n\n<li>\u5165\u5ba4\u76d7\u7a83<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">RIBO Level 1 \u6700\u5e38\u8003\u7684\u201c\u4e09\u5927\u98ce\u9669\u7c7b\u522b\u201d<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Risk Category<\/th><th>Definition<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><strong>Pure Risk<\/strong><\/td><td>Only loss or no loss<\/td><td>Fire, illness, accident<\/td><\/tr><tr><td><strong>Speculative Risk<\/strong><\/td><td>Possibility of gain or loss<\/td><td>Investing, gambling<\/td><\/tr><tr><td><strong>Fundamental Risk<\/strong><\/td><td>Affects large groups or society<\/td><td>Earthquake, pandemic<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u8bb0\u5fc6\u53e3\u8bc0<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Pure = Loss only<\/strong><br><strong>Speculative = Gain or Loss<\/strong><br><strong>Fundamental = Affects many<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u662f <strong>RIBO Level 1<\/strong> \u8003\u8bd5\uff0c\u6700\u5e38\u89c1\u7684\u7b54\u6848\u901a\u5e38\u662f\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pure Risk<\/strong><\/li>\n\n\n\n<li><strong>Speculative Risk<\/strong><\/li>\n\n\n\n<li><strong>Fundamental Risk<\/strong> (\u6216 Particular Risk\uff0c\u89c6\u6559\u6750\u5206\u7c7b\u800c\u5b9a)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u7b54\u9898\u65f6\u6700\u597d\u6839\u636e\u9898\u76ee\u6240\u91c7\u7528\u7684\u5206\u7c7b\u4f53\u7cfb\u6765\u4f5c\u7b54\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21159\" class=\"pvc_stats all  \" data-element-id=\"21159\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5728\u4fdd\u9669\u5b66\u4e2d\uff0c\u98ce\u9669\uff08Risk\uff09\u901a\u5e38\u5206\u4e3a\u4e09\u5927\u7c7b\u522b\uff1a 1. Pure Risk\uff08\u7eaf\u7cb9\u98ce\u9669\uff09 \u4f8b\u5b50\uff1a \u7ed3\u679c\uff1a 2. Speculative Risk\uff08\u6295\u673a\u98ce\u9669\uff09 \u4f8b\u5b50\uff1a \u7ed3\u679c\uff1a 3. Fundamental Risk\uff08\u57fa\u672c\u98ce\u9669\uff09\u4e0e Particular Risk\uff08\u7279\u5b9a\u98ce\u9669\uff09 \u6709\u4e9b\u6559\u6750\u5c06\u98ce\u9669\u6309\u5f71\u54cd\u8303\u56f4\u8fdb\u4e00\u6b65\u5206\u7c7b\uff0c\u5176\u4e2d\u5e38\u89c1\u7684\u4e09\u7c7b\u98ce\u9669\u662f\uff1a (1) Fundamental Risk\uff08\u57fa\u672c\u98ce\u9669\uff09 \u4f8b\u5b50\uff1a (2) Particular Risk\uff08\u7279\u5b9a\u98ce\u9669\uff09 \u4f8b\u5b50\uff1a RIBO Level 1 \u6700\u5e38\u8003\u7684\u201c\u4e09\u5927\u98ce\u9669\u7c7b\u522b\u201d Risk Category Definition Example Pure Risk Only loss or no loss Fire, illness, accident Speculative Risk Possibility of gain or loss Investing, gambling Fundamental Risk Affects &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21159\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1a\u98ce\u9669\u7c7b\u522b&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21159\" class=\"pvc_stats all  \" data-element-id=\"21159\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[157,156,177],"class_list":["post-21159","post","type-post","status-publish","format-standard","hentry","category-155","tag-ribo","tag-156","tag-177"],"a3_pvc":{"activated":true,"total_views":0,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21159"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21159\/revisions"}],"predecessor-version":[{"id":21160,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21159\/revisions\/21160"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21159"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21159"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}