圣智学习

《风险管理与保险》以风险为主线，逐步引入风险管理的各个层面——风险、风险管理程序、企业风险管理、个人风险管理和风险管理环境等，然后导出对可保风险的保险，对各种保险所承担的主要风险及其管理问题，同时对保险业所涉及到的组织、法律以及政府监管等更深层次的问题作系统的讨论。 《风险管理与保险》的论述由浅入深、逐步深入，便于读者系统地理解风险管理与保险的理论与实践问题，非常适合作为金融（含保险）专业或商业管理专业的双语教学教材，也可用作相关专业培训和进修学习的教材。

PART 1 RISK AND THE RISK MANAGEMENT PROCESS
1 Introduction to Risk
The Burden of Risk
Definitions of Risk
Sources of Risk
Measurement of Risk
Management of Risk

2 Risk Identification and Evaluation
Risk Identification
Risk Evaluation
Accuracy of Predictions

3 Property and Liability Loss Exposures
Property Loss Exposures
Liability Exposures
Types of Liability Damages
Criminal and Civil Law
Torts
Basic Law of Negligence
Defenses Against Negligence Claims
Factors Leading to Higher Standards of Care
Types of Liability Exposures
Miscellaneous Liability

4 Life, Health, and Loss of Income Exposures
Exposures Due to Premature Death
Exposures Due to Loss of Health
Other Income Loss Exposures

5 Risk Management Techniques:
Noninsurance Methods
Risk Avoidance
Loss Control
Risk Retention
Risk Transfer
The Value of Risk Management

6 Insurance as a Risk Management Technique: Principles
The Nature of Insurance
Principle of Indemnity
Principle of Insurable Interest
Principle of Subrogation
Principle of Utmost Good Faith
Requisites of Insurable Risks
Requirements of an Insurance Contract
Distinguishing Characteristics of Insurance Contracts
Role of Agents and Brokers
Principles of Social Insurance
Social and Economic Values and Costs of Insurance

7 Insurance as a Risk Management
Technique: Policy Provisions
Declarations
The Insuring Agreement
Exclusions
Common Policy Conditions
Definitions
Basis of Recovery
Clauses Limiting Amounts Payable

8 Selecting and Implementing Risk
Management Techniques
Avoid Risks If Possible
Implement Appropriate Loss Control Measures
Select the Optimal Mix of Risk Retention and Risk Transfer
Implementing Decisions
Subjective Risk Management
Enterprise Risk Management and Alternative Risk Transfer

PART 2 COMMERCIAL RISK MANAGEMENT APPLICATIONS:Property-Liability
9 Risk Management and Commercial Property——Part I
The Commercial Package Policy (CPP)
Business Owners Policy
Other Commercial Property Forms
Reporting Forms
Consequential Loss Coverage

10 Risk Management and Commercial Property——Part II
Transportation Insurance
Ocean Transportation Insurance
Land Transportation Insurance
Floater Contracts
Credit Insurance
Title Insurance
Glass Coverage Form
Crime
Disaster Risk Management: A Case Study

11 Risk Management and Commercial Liability Risk
Common Liability Contract Provisions
Commercial Liability Insurance

12 Workers\' Compensation and
Alternative Risk Financing
Workers\' Compensation Insurance
Major Reform
Risk Management and Workers\' Compensation
Captive Insurance Companies
Conclusions

PART 3 PERSONAL RISK MANAGEMENT APPLICATIONS:Property-Liability
13 Risk Management for Auto Owners——Part I
The High Cost of Automobile Losses
Insurance Claims
The Need for Insurance
Personal Automobile Policy
Personal Auto Policy Components
Automobile Insurance and the Law
Risk Management and Personal Automobile Rating

14 Risk Management for Auto Owners——Part II
Where Does the Auto Insurance Premium Go?
Auto Death Rates
Car Theft
Cost Containment
No-Fault
Alcohol and Driving
Advances in Driver and Auto Safety
Airbags, Auto Property Damage, and Teenage Drivers

15 Risk Management for Homeowners
Homeowners\' Program: Development
Outline of Homeowners\' Coverages
Analysis of Homeowners\' Policy
Perils Covered in Homeowners\' Insurance
Optional Property Endorsements to Homeowners\' Policies
Flood Insurance
Personal Articles Floater (PAF)
Mobile Home Endorsement to Homeowners\' Policy
Shopping Tips for Homeowners
Personal Liability and Medical Payments Insurance
Dwelling Program (Not Homeowners\')
Farmowners\'-Ranchowners\' Policy
Risk Management——Personal Lines
Personal Risk Management

PART 4 RISK MANAGEMENT APPLICATIONS:Life. Health. and Income Exposures
16 Loss of Life
Types of Life Insurance
Income Tax Treatment of Life Insurance
Life Insurance Contract Provisions

17 loss of Health
Health Insurance Providers
Mechanics of Cost Sharing
Health Expense Insurance
Disability Income Insurance
Health Insurance Policy Provisions
Health Care Reform

18 Retirement Planning and Annuities
Structure of Annuities
Annuity Characteristics
Annuity Taxation

PART 5 THE RISK MANAGEMENT ENVIRONMENT
19 Risk Management and the Insurance Industry
The Field of Insurance
Types of Insurers
Channels of Distribution in Insurance
Globalization of Risk Management and the Insurance Industry

20 Functions and Organization of Insurers
Functions of Insurers
Reinsurance

21 Government Regulation of Risk
Management and Insurance
Why Insurance Is Regulated
The Legal Background of Regulation
The McCarran-Ferguson Act
Federal Versus State Regulation
Responsibilities of the Insurance Regulators
Miscellaneous Insurance Laws
Tort Reform
Taxation of Insurance