风险管理与保险（配教学课件、二维码拓展阅读） / 匡时·金融学系列
￥69.00定价
作者： 郭皓晨
出版时间：2023-06
出版社：上海财经大学出版社
- 上海财经大学出版社
- 9787564241834
- 1版
- 465901
- 62250735-8
- 16开
- 2023-06
- 金融学
- 本科
作者简介
内容简介
本书为全英文写作的教材，主要供高等院校经济管理类专业的本科学生使用，也可作为相关专业硕士研究生的教材和学习参考用书，旨在为学生提供一个全面、系统的风险管理和保险知识框架，使其能够具备国际视野，更好地应对日益复杂的全球风险环境和挑战。
本教材内容涵盖风险管理和保险领域，包括风险识别与评估、风险管理策略与实施、保险原理与合同、保险产品等方面，注重理论与实践相结合，选用诸多在国际上具代表性的案例来阐明理论知识。作者设计教学总学时为48课时，并提供教学课件，教师可自行从上海财经大学出版社网站（www.sufep.com）“下载”专区下载。
本教材除了可以满足高等院校相关专业的本科生、研究生对于风险管理和保险领域的学习需求，还可以满足相关行业从业人员对于提升专业素质和应对全球化市场挑战的需要，成为风险管理和保险领域的重要参考资料，帮助读者更好地理解和应用相关理论和方法。
本教材内容涵盖风险管理和保险领域，包括风险识别与评估、风险管理策略与实施、保险原理与合同、保险产品等方面，注重理论与实践相结合，选用诸多在国际上具代表性的案例来阐明理论知识。作者设计教学总学时为48课时，并提供教学课件，教师可自行从上海财经大学出版社网站（www.sufep.com）“下载”专区下载。
本教材除了可以满足高等院校相关专业的本科生、研究生对于风险管理和保险领域的学习需求，还可以满足相关行业从业人员对于提升专业素质和应对全球化市场挑战的需要，成为风险管理和保险领域的重要参考资料，帮助读者更好地理解和应用相关理论和方法。
目录
Preface 2
前言 3
PART I. Principles of Insurance 13
Chapter 1. Risk and Insurance 13
1.1. INSURANCE DEFINITION 13
1.2. THE CONCEPT OF RISK 14
1.3. CLASSIFICATIONS OF RISK 14
1.4. INSURANCE AND UNINSURABLE RISKS 17
1.5. POOLING OF RISK 19
1.6. PERILS AND HAZARDS 20
1.7. FUNCTIONS AND BENEFITS OF INSURANCE 22
1.8. REINSURANCE， CO-INSURANCE， AND SELF-INSURANCE 25
1.9. INSURANCE HISTORY AND EVOLUTION 31
1.10. INSURANCE PRODUCTS 36
REVIEW 40
QUESTIONS 41
REFERENCES 41
Chapter 2. Insurance Regulation and Supervision 43
2.1. INSURANCE REGULATION 43
2.2. THE PURPOSE OF REGULATION 44
2.3. REASONS THE INSURANCE INDUSTRY NEEDS TO BE REGULATED 44
2.4. OVERVIEW OF REGULATED ACTIVITIES 46
2.5. REGULATION OF INSURANCE IN DIFFERENT COUNTRIES – CASE STUDY 49
REVIEW 55
QUESTIONS 55
REFERENCES 55
Chapter 3. The Insurance Market 57
3.1. INTRODUCTION OF THE INSURANCE MARKET 57
3.2. COMPONENTS OF THE INSURANCE MARKET 58
3.3. INTERMEDIARIES 62
3.4. DISTRIBUTION CHANNELS 64
3.5. THE ROLE OF ANCILLARY PLAYERS IN THE INSURANCE MARKET 65
REVIEW 67
QUESTIONS 67
REFERENCES 67
Chapter 4. The Insurance Contracts 69
4.1. INTRODUCTION OF INSURANCE CONTRACT 70
4.2. CLASSIFICATION OF INSURANCE CONTRACT 70
4.3. DISTINGUISHING CHARACTERISTICS OF INSURANCE CONTRACTS 73
REVIEW 78
QUESTIONS 78
REFERENCES 79
Chapter 5. Life Insurance and Annuities 80
5.1. THREE WAYS LIFE INSURANCE IS DISTRIBUTED 80
5.2. TYPES OF LIFE INSURANCE 84
5.3. ANNUITY - INTRODUCTION 95
5.4. AN ANNUITY INSURANCE OPERATION 95
5.5. ANNUITY CONTRACTS 95
5.6. CLASSIFICATION OF ANNUITIES 97
5.7. USES OF ANNUITIES 99
REVIEW 101
QUESTIONS 101
REFERENCES 101
Chapter 6. Health Insurance and Social Security 103
6.1. HEALTH INSURANCE DEFINITION 103
6.2. HEALTH INSURANCE OVERVIEW 103
6.3. MANAGED CARE ORGANIZATIONS 105
6.4. MANAGED CARE MODELS 109
6.5. HEALTH INSURANCE PRODUCTS 112
6.6. SOCIAL SECURITY 117
REVIEW 119
QUESTIONS 119
REFERENCES 119
Chapter 7. Employee Benefit 121
7.1. EMPLOYEE BENEFITS DEFINITION 121
7.2. TYPES OF EMPLOYEE BENEFITS 122
7.3. WHO PAYS THE COST OF BENEFITS 126
7.4. GROUP LIFE INSURANCE 127
7.5. GROUP DISABILITY INCOME INSURANCE 128
7.6. GROUP HEALTH INSURANCE 130
7.7. PENSION PLANS 132
REVIEW 139
QUESTIONS 139
REFERENCES 139
Chapter 8 Business Risk Insurance 141
8.1. AGRICULTURAL RISK 141
8.2. INDUSTRIAL RISK 147
REVIEW 151
QUESTIONS 151
REFERENCES 152
Chapter 9. Homeowners Insurance 153
9.1. HOMEOWNERS (HO) INSURANCE DEFINITION 153
9.2. TYPES OF POLICIES 154
9.3. MAJOR COVERAGES 155
9.4. EXCLUSIONS 157
9.5. PROPERTY LOSS SETTLEMENT 158
9.6. PRICING HOMEOWNERS POLICIES 160
REVIEW 162
QUESTIONS 162
REFERENCES 162
Chapter 10. Car Automobile Insurance 164
10.1. AUTO LOSS EXPOSURES 164
10.2. COVERAGE 166
10.3. AUTO INSURANCE PRICING: RATING FACTORS 171
10.4. AUTO INSURANCE PRICING: UNDERWRITING 173
REVIEW 173
QUESTIONS 174
REFERENCES 174
PART II. Insurance Mathematics 175
Chapter 11. Multiple Criteria Decision Making (MCDM) 175
11.1. MULTIPLE CRITERIA DECISION MAKING (MCDM) 175
11.2. TERMS OF MCDM ENVIRONMENT 177
11.3. CLASSIFICATION OF MADM METHODS 178
11.4. MULTIPLE CRITERIA DECISION MAKING METHODS 180
REVIEW 200
QUESTIONS 201
REFERENCES 201
Chapter 12. Regulation and SOLVENCY II 203
12.1. SOLVENCY 203
12.2. SOLVENCY II 207
12.3. LAMFALUSSY PROCEDURE 214
REVIEW 216
QUESTIONS 216
REFERENCES 216
Chapter 13. Financial Statements 217
13.1. FINANCIAL STATEMENTS 217
13.2. FINANCIAL REPORTING ANALYSIS 219
13.3. FINANCIAL RATIOS 235
REVIEW 237
QUESTIONS 238
REFERENCES 238
Chapter 14. Technical Provisions 239
14.1. INITIAL THOUGHTS OF TECHNICAL PROVISIONS 239
14.2. LIFE INSURANCE TECHNICAL PROVISION 239
14.3. NONLIFE INSURANCE TECHNICAL PROVISIONS 243
REVIEW 250
QUESTIONS 250
REFERENCES 250
Chapter 15. Reinsurance 251
15.1. INTRODUCTION - REINSURANCE 251
15.2. CLASSIFICATION OF REINSURANCE 256
15.3. REINSURANCE ARRANGEMENTS 263
15.4. INSURANCE-REINSURANCE NETWORKS 283
15.5. REINSURANCE TREATIES 285
15.6. REINSURANCE PROGRAMMES 285
REVIEW 287
QUESTIONS 288
REFERENCES 288
Chapter 16. Life Insurance: Pricing and Reserving 289
16.1. LIFE TABLE 289
16.2. LIFE INSURANCE PRICING 292
16.3. LIFE INSURANCE RESERVING 298
REVIEW 301
QUESTIONS 302
REFERENCES 302
Chapter 17. Non-Life Insurance: Reserving 303
17.1. INTRODUCTION OF TECHNICAL RESERVING 303
17.2. ANNUAL PROFIT 309
17.3. CLAIM RESERVES MODEL: RUN-OFF TRIANGLES 312
REVIEW 315
QUESTIONS 315
REFERENCES 315
前言 3
PART I. Principles of Insurance 13
Chapter 1. Risk and Insurance 13
1.1. INSURANCE DEFINITION 13
1.2. THE CONCEPT OF RISK 14
1.3. CLASSIFICATIONS OF RISK 14
1.4. INSURANCE AND UNINSURABLE RISKS 17
1.5. POOLING OF RISK 19
1.6. PERILS AND HAZARDS 20
1.7. FUNCTIONS AND BENEFITS OF INSURANCE 22
1.8. REINSURANCE， CO-INSURANCE， AND SELF-INSURANCE 25
1.9. INSURANCE HISTORY AND EVOLUTION 31
1.10. INSURANCE PRODUCTS 36
REVIEW 40
QUESTIONS 41
REFERENCES 41
Chapter 2. Insurance Regulation and Supervision 43
2.1. INSURANCE REGULATION 43
2.2. THE PURPOSE OF REGULATION 44
2.3. REASONS THE INSURANCE INDUSTRY NEEDS TO BE REGULATED 44
2.4. OVERVIEW OF REGULATED ACTIVITIES 46
2.5. REGULATION OF INSURANCE IN DIFFERENT COUNTRIES – CASE STUDY 49
REVIEW 55
QUESTIONS 55
REFERENCES 55
Chapter 3. The Insurance Market 57
3.1. INTRODUCTION OF THE INSURANCE MARKET 57
3.2. COMPONENTS OF THE INSURANCE MARKET 58
3.3. INTERMEDIARIES 62
3.4. DISTRIBUTION CHANNELS 64
3.5. THE ROLE OF ANCILLARY PLAYERS IN THE INSURANCE MARKET 65
REVIEW 67
QUESTIONS 67
REFERENCES 67
Chapter 4. The Insurance Contracts 69
4.1. INTRODUCTION OF INSURANCE CONTRACT 70
4.2. CLASSIFICATION OF INSURANCE CONTRACT 70
4.3. DISTINGUISHING CHARACTERISTICS OF INSURANCE CONTRACTS 73
REVIEW 78
QUESTIONS 78
REFERENCES 79
Chapter 5. Life Insurance and Annuities 80
5.1. THREE WAYS LIFE INSURANCE IS DISTRIBUTED 80
5.2. TYPES OF LIFE INSURANCE 84
5.3. ANNUITY - INTRODUCTION 95
5.4. AN ANNUITY INSURANCE OPERATION 95
5.5. ANNUITY CONTRACTS 95
5.6. CLASSIFICATION OF ANNUITIES 97
5.7. USES OF ANNUITIES 99
REVIEW 101
QUESTIONS 101
REFERENCES 101
Chapter 6. Health Insurance and Social Security 103
6.1. HEALTH INSURANCE DEFINITION 103
6.2. HEALTH INSURANCE OVERVIEW 103
6.3. MANAGED CARE ORGANIZATIONS 105
6.4. MANAGED CARE MODELS 109
6.5. HEALTH INSURANCE PRODUCTS 112
6.6. SOCIAL SECURITY 117
REVIEW 119
QUESTIONS 119
REFERENCES 119
Chapter 7. Employee Benefit 121
7.1. EMPLOYEE BENEFITS DEFINITION 121
7.2. TYPES OF EMPLOYEE BENEFITS 122
7.3. WHO PAYS THE COST OF BENEFITS 126
7.4. GROUP LIFE INSURANCE 127
7.5. GROUP DISABILITY INCOME INSURANCE 128
7.6. GROUP HEALTH INSURANCE 130
7.7. PENSION PLANS 132
REVIEW 139
QUESTIONS 139
REFERENCES 139
Chapter 8 Business Risk Insurance 141
8.1. AGRICULTURAL RISK 141
8.2. INDUSTRIAL RISK 147
REVIEW 151
QUESTIONS 151
REFERENCES 152
Chapter 9. Homeowners Insurance 153
9.1. HOMEOWNERS (HO) INSURANCE DEFINITION 153
9.2. TYPES OF POLICIES 154
9.3. MAJOR COVERAGES 155
9.4. EXCLUSIONS 157
9.5. PROPERTY LOSS SETTLEMENT 158
9.6. PRICING HOMEOWNERS POLICIES 160
REVIEW 162
QUESTIONS 162
REFERENCES 162
Chapter 10. Car Automobile Insurance 164
10.1. AUTO LOSS EXPOSURES 164
10.2. COVERAGE 166
10.3. AUTO INSURANCE PRICING: RATING FACTORS 171
10.4. AUTO INSURANCE PRICING: UNDERWRITING 173
REVIEW 173
QUESTIONS 174
REFERENCES 174
PART II. Insurance Mathematics 175
Chapter 11. Multiple Criteria Decision Making (MCDM) 175
11.1. MULTIPLE CRITERIA DECISION MAKING (MCDM) 175
11.2. TERMS OF MCDM ENVIRONMENT 177
11.3. CLASSIFICATION OF MADM METHODS 178
11.4. MULTIPLE CRITERIA DECISION MAKING METHODS 180
REVIEW 200
QUESTIONS 201
REFERENCES 201
Chapter 12. Regulation and SOLVENCY II 203
12.1. SOLVENCY 203
12.2. SOLVENCY II 207
12.3. LAMFALUSSY PROCEDURE 214
REVIEW 216
QUESTIONS 216
REFERENCES 216
Chapter 13. Financial Statements 217
13.1. FINANCIAL STATEMENTS 217
13.2. FINANCIAL REPORTING ANALYSIS 219
13.3. FINANCIAL RATIOS 235
REVIEW 237
QUESTIONS 238
REFERENCES 238
Chapter 14. Technical Provisions 239
14.1. INITIAL THOUGHTS OF TECHNICAL PROVISIONS 239
14.2. LIFE INSURANCE TECHNICAL PROVISION 239
14.3. NONLIFE INSURANCE TECHNICAL PROVISIONS 243
REVIEW 250
QUESTIONS 250
REFERENCES 250
Chapter 15. Reinsurance 251
15.1. INTRODUCTION - REINSURANCE 251
15.2. CLASSIFICATION OF REINSURANCE 256
15.3. REINSURANCE ARRANGEMENTS 263
15.4. INSURANCE-REINSURANCE NETWORKS 283
15.5. REINSURANCE TREATIES 285
15.6. REINSURANCE PROGRAMMES 285
REVIEW 287
QUESTIONS 288
REFERENCES 288
Chapter 16. Life Insurance: Pricing and Reserving 289
16.1. LIFE TABLE 289
16.2. LIFE INSURANCE PRICING 292
16.3. LIFE INSURANCE RESERVING 298
REVIEW 301
QUESTIONS 302
REFERENCES 302
Chapter 17. Non-Life Insurance: Reserving 303
17.1. INTRODUCTION OF TECHNICAL RESERVING 303
17.2. ANNUAL PROFIT 309
17.3. CLAIM RESERVES MODEL: RUN-OFF TRIANGLES 312
REVIEW 315
QUESTIONS 315
REFERENCES 315
