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純粹風險和投機風險
Pure and speculative risks
Pure risks involve a loss or，at best，a break-even situation. The outcome can only be unfavourable to us，or leave us in the same position as we enjoyed before the event occurred. The risk of a motor accident，fire at a factory，theft of goods from a store，or injury at work are all pure risks with no element of gain.
The alternative to this is speculative risk，where there is the chance of gain. Investing money in share is a good example. The investment may result in a loss or possibly a break-even position， but the reason it was made was the prospect of gain.
純粹風險和投機風險
純粹風險包括損失或者充其量是收支相抵的情況。其后果只能對我們不利，或者讓我們處于跟事件發(fā)生前一樣的情況下。車禍、工廠的火災、商場貨物的偷竊、或者是工傷，這些風險都是不能獲利的純粹風險。
與之相對的是投機風險，這種風險是有可能獲利的。股票投資就是一個很好的例子。這種投資可能有損失或者可能收支相抵，但是投資的目的是為了獲利。
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