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風(fēng)險管理與保險

風(fēng)險管理與保險

定 價:¥69.00

作 者: 郭皓晨
出版社: 上海財經(jīng)大學(xué)出版社
叢編項(xiàng):
標(biāo) 簽: 暫缺

ISBN: 9787564241834 出版時間: 2023-06-01 包裝: 平裝
開本: 16開 頁數(shù): 261 字?jǐn)?shù):  

內(nèi)容簡介

  保險是重要的風(fēng)險管理工具。在風(fēng)險決策中,保險是轉(zhuǎn)移風(fēng)險的一種有效地手段。本書旨在介紹保險原理以及保險業(yè)務(wù)的技術(shù)和財務(wù)方面,特別強(qiáng)調(diào)保險產(chǎn)品的精算評估。雖然大部分內(nèi)容涉及人壽保險,但也涉及非人壽保險以及養(yǎng)老金計劃。本書在策劃時假定目標(biāo)讀者為經(jīng)濟(jì)學(xué)、商業(yè)和金融學(xué)專業(yè)的本科生和研究生??紤]到目標(biāo)讀者,本書避免了使用復(fù)雜的數(shù)學(xué)工具。但目標(biāo)讀者需已參加學(xué)習(xí)金融數(shù)學(xué)(利率、復(fù)利、現(xiàn)值、積累、年金等)和概率(概率分布、條件概率、期望值、方差等)等相關(guān)課程。本書的總體框架分為兩部分: 部分,保險的原則。旨在介紹風(fēng)險的概念,特別側(cè)重于一些事件的后果,這些事件可能涉及一個人、一個家庭、一個公司等。各章節(jié)介紹了保險公司(保險市場、保險合同、人壽保險和非人壽保險產(chǎn)品)的作用及承擔(dān)個人風(fēng)險、建立風(fēng)險池,承擔(dān)池內(nèi)大量事件或意外嚴(yán)重性索賠所造成的損失風(fēng)險以及保險監(jiān)管等內(nèi)容。第二部分,保險數(shù)學(xué)。首先介紹保險的決策方法。其次,討論技術(shù)準(zhǔn)備金、再保險和保險業(yè)的財務(wù)報表以及生命表等相關(guān)內(nèi)容。包括人壽保險所涉及的 估計準(zhǔn)備金、風(fēng)險邊際、利潤評估等計算;非人壽保險,包括保費(fèi)計算和相關(guān)統(tǒng)計基礎(chǔ)。各章節(jié)的內(nèi)容均已在相關(guān)本科生和研究生課程中成功地測試了其邏輯結(jié)構(gòu)和內(nèi)容,均有提供參考書目和進(jìn)一步閱讀的建議。

作者簡介

暫缺《風(fēng)險管理與保險》作者簡介

圖書目錄

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
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