kockázatátadást

Kockázatátadás is a Hungarian term that translates to risk transfer or risk shifting in English. It refers to a strategic process where a party seeks to shift the potential negative financial consequences of a specific risk to another party. This is a common practice in various fields, most notably in insurance and finance.

In insurance, kockázatátadás is the fundamental principle. An individual or entity facing a potential loss (e.g., fire damage to a home, a car accident) pays a premium to an insurance company. In return, the insurer agrees to bear the financial burden if the insured event occurs. This process effectively transfers the risk from the policyholder to the insurer, who can then pool and manage risks across a larger group.

Beyond insurance, kockázatátadás can also occur through contractual agreements. For example, in construction projects, a contractor might transfer certain risks, such as delays caused by unforeseen site conditions, to a subcontractor through a subcontract. In financial markets, derivatives like futures and options are used to transfer price volatility risk from one party to another. The core idea is to allocate the burden of potential losses to the party best equipped to absorb or manage it, or to hedge against unfavorable outcomes. This mechanism is crucial for enabling economic activity and providing financial security.