风险管理与保险

风险管理与保险
作 者: 郭皓晨
出版社: 上海财经大学出版社
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作者简介

暂缺《风险管理与保险》作者简介

内容简介

保险是重要的风险管理工具。在风险决策中,保险是转移风险的一种有效地手段。本书旨在介绍保险原理以及保险业务的技术和财务方面,特别强调保险产品的精算评估。虽然大部分内容涉及人寿保险,但也涉及非人寿保险以及养老金计划。本书在策划时假定目标读者为经济学、商业和金融学专业的本科生和研究生。考虑到目标读者,本书避免了使用复杂的数学工具。但目标读者需已参加学习金融数学(利率、复利、现值、积累、年金等)和概率(概率分布、条件概率、期望值、方差等)等相关课程。本书的总体框架分为两部分: 部分,保险的原则。旨在介绍风险的概念,特别侧重于一些事件的后果,这些事件可能涉及一个人、一个家庭、一个公司等。各章节介绍了保险公司(保险市场、保险合同、人寿保险和非人寿保险产品)的作用及承担个人风险、建立风险池,承担池内大量事件或意外严重性索赔所造成的损失风险以及保险监管等内容。第二部分,保险数学。首先介绍保险的决策方法。其次,讨论技术准备金、再保险和保险业的财务报表以及生命表等相关内容。包括人寿保险所涉及的 估计准备金、风险边际、利润评估等计算;非人寿保险,包括保费计算和相关统计基础。各章节的内容均已在相关本科生和研究生课程中成功地测试了其逻辑结构和内容,均有提供参考书目和进一步阅读的建议。

图书目录

Part Ⅰ Principles of Insurance

Chapter 1 Risk and Insurance

1.1 Insurance Definition

1.2 The Concept of Risk

1.3 Classifications of Risk

1.4 Insurance and Uninsurable Risks

1.5 Pooling of Risk

1.6 Perils and Hazards

1.7 Functions and Benefits of Insurance

1.8 Reinsurance, Co-insurance, and Self-insurance

1.9 Insurance History and Evolution

1.10 Insurance Products

Review

Questions

Further References

Chapter 2 Insurance Regulation and Supervision

2.1 Insurance Regulation

2.2 The Purpose of Regulation

2.3 Reasons the Insurance Industry Needs to be Regulated

2.4 Overview of Regulated Activities

2.5 Regulation of Insurance in Different Countries Case Study

Review

Questions

Further References

Chapter 3 The Insurance Market

3.1 Introduction of the Insurance Market

3.2 Components of the Insurance Market

3.3 Intermediaries

3.4 Distribution Channels

3.5 The Role of Ancillary Players in the Insurance Market

Review

Questions

Further References

Chapter 4 The Insurance Contracts

4.1 Introduction of Insurance Contract

4.2 Classification of Insurance Contract

4.3 Distinguishing Characteristics of Insurance Contracts

Review

Questions

Further References

Chapter 5 Life Insurance and Annuities

5.1 Three Ways Life Insurance is Distributed

5.2 Types of Life Insurance

5.3 Annuity--Introduction

5.4 An Annuity Insurance Operation

5.5 Annuity Contracts

5.6 Classification of Annuities

5.7 Uses of Annuities

Review

Questions

Further References

Chapter 6 Health Insurance and Social Security

6.1 Health Insurance Definition

6.2 Health Insurance Overview

6.3 Managed Care Organizations

6.4 Managed Care Models

6.5 Health Insurance Products

6.6 Social Security

Review

Questions

Further References

Chapter 7 Employee Benefit

7.1 Employee Benefits Definition

7.2 Types of Employee Benefits

7.3 Who Pays the Cost of Benefits

7.4 Group Life Insurance

7.5 Group Disability Income Insurance

7.6 Group Health Insurance

7.7 Pension Plans

Review

Questions

Further References

Chapter 8 Business Risk Insurance

8.1 Agricultural Risk

8.2 Industrial Risk

Review

Questions

Further References

Chapter 9 Homeowners Insurance

9.1 Homeowners (HO) Insurance Definition

9.2 Types of Policies

9.3 Major Coverages

9.4 Exclusions

9.5 Property Loss Settlement

9.6 Pricing Homeowners Policies

Review

Questions

Further References

Chapter 10 Car Automobile Insurance

10.1 Auto Loss Exposures

10.2 Coverage

10.3 Auto Insurance Pricing: Rating Factors

10.4 Auto Insurance Pricing: Underwriting

Review

Questions

Further References

Part Ⅱ Insurance Mathematics

Chapter 11 Multiple Criteria Decision Making (MCDM)

11.1 Multiple Criteria Decision Making (MCDM)

11.2 Terms of MCDM Environment

11.3 Classification of MADM Methods

11.4 Multiple Criteria Decision Making Methods

Review

Questions

Further References

Chapter 12 Regulation and SOLVENCY II

12.1 SOLVENCY

12.2 SOLVENCY II

12.3 Lamfalussy Procedure

Review

Questions

Further References

Chapter 13 Financial Statements

13.1 Financial Statements

13.2 Financial Reporting Analysis

13.3 Financial Ratios

Review

Questions

Further References

Chapter 14 Technical Provisions

14.1 Initial Thoughts of Technical Provisions

14.2 Life Insurance Technical Provision

14.3 Nonlife Insurance Technical Provisions

Review

Questions

Further References

Chapter 15 Reinsurance

15.1 Introduction--Reinsurance

1