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財(cái)務(wù)風(fēng)險(xiǎn)和非財(cái)務(wù)風(fēng)險(xiǎn)
Financial and non-financial risks
A financial risk is one where the outcome can be measure in monetary terms. This is easy to see in the case of material damage to property， theft of property or lost business profit following a fire. In cases of personal injury， it can also be possible to measure financial loss in terms of a court award of damages， or as a result of negotiation between lawyers and insurers. In any of these cases， the outcome of the risky situation can be measured financially.
There are other situations where this kind of measurement is not possible. Take the case of the choice of a new car， or the selection of an item from a restaurant menu. These could be construed as risky situations， not because the outcome will cause financial loss， but because the outcome could be uncomfortable or disliked in some other way. There may or may not be financial implications but in the main the outcome is not measurable financially but by other， more human，criteria.
財(cái)務(wù)風(fēng)險(xiǎn)和非財(cái)務(wù)風(fēng)險(xiǎn)財(cái)務(wù)風(fēng)險(xiǎn)
是指后果可以用金錢來估量的風(fēng)險(xiǎn)。如果財(cái)產(chǎn)遭到實(shí)質(zhì)上的損壞或是遭到偷竊，或是火災(zāi)后商業(yè)利益遭到損失，那是很容易看到的。如果個(gè)人受傷，也可能用金錢來估量法定的受傷賠償，或者由律師和保險(xiǎn)人進(jìn)行協(xié)商得出一個(gè)賠償金額。無論是哪種情況，風(fēng)險(xiǎn)的后果都可以用金錢來估量。
還有其他一些情況是不可能進(jìn)行這種估量的。比如選擇一輛新車，或者從餐館菜單中點(diǎn)菜。這些可以被認(rèn)為是有風(fēng)險(xiǎn)的情況，不是因?yàn)槠浜蠊麜?huì)導(dǎo)致經(jīng)濟(jì)損失，而是因?yàn)槠浜蠊赡茉谄渌矫孀屓擞X得不舒服或者是不喜歡。這可能會(huì)牽涉到聲錢，也可能不會(huì)，但總的來說，后果不是用金錢而是用其他更具人情味的標(biāo)準(zhǔn)來估量的。
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