风险管理与保险

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：第一部分 ，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 保险所涉及的最佳估计准 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。

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