风险管理与保险(高等学校金融学类英文版教材)(Risk Management and Insurance 12e)
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品牌: 特里斯曼
基本信息·出版社：高等教育出版社
·页码：444 页
·出版日期：2005年
·ISBN：7040161680
·条形码：9787040161687
·包装版本：1版
·装帧：平装
·开本：16
·正文语种：英语
·读者对象：使用对象：高校金融学专业学生
·丛书名：高等学校金融学类英文版教材
·外文书名：Risk Management and Insurance 12e
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内容简介《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。
目录
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
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序言自教育部在《关于加强高等学校本科教学工作提高教学质量的若干意见》【教高（2001）4号】中提出双语教学的要求后，各地高校相继开设了一系列双语教学课程。这对提高学生的学科和外文水平，开阔国际视野，培养创新型人才起到了重要的作用；一大批教师也逐渐熟悉了外文授课，自身的教学水平和能力得到较大提高，具备国际学术思维的中青年教师脱颖而出。同时，经过近几年的双语教学实践，国外原版教材量大、逻辑不够清晰、疏离中国现实等问题也影响了双语教学的效果。因此，对外版教材进行本土化的精简改编，使之更加适合我国的双语教学已提上教材建设日程。
为了满足高等学校经济管理类双语课程本土化教学的需要，在教育部高等教育司的指导和支持下，高等教育出版社同’I'homson Learning等国外著名出版公司通力合作，在国内首次推出了金融、会计、经济学等专业的英文原版改编教材。本套教材的遴选、改编和出版严格遵循了以下几个原则：
1.择优选取权威的新版本。在各专业选书论证会上，我们要求入选改编的教材不仅是在国际上多次再版的经典之作的最新版本，而且是近年来已在国内被试用的优秀教材。
2.改编后的教材力求内容规范简明，逻辑更加清晰，语言原汁原味，适合中国的双语教学。选择的改编人既熟悉原版教材内容又具有本书或本门课程双语教学的经验；在改编过程中，高等教育出版社组织了知名专家学者召开了数次改编和审稿会议，改编稿征求了众多教师的意见。
3.改编后的教材配有较丰富的辅助教学支持资源，教师可在网上免费获取。同时，改编后的教材厚度适中，定价标准较低。
由于原作者所处国家的政治、经济和文化背景等与我国不同，对书中所持观点，敬请广大读者在阅读过程中注意加以分析和鉴别。
此次英文改编教材的出版，得到了很多专家学者的支持和帮助，在此深表谢意！我们期待这批英文改编教材的出版能对我国经济管理类专业的教学能有所帮助，欢迎广大读者给我们提出宝贵的意见和建议。
文摘The two major categories of property are real property and personal property. Real property has been defined as "land, all structures permanently attached to the land, and whatever is growing on the land?' Personal property has been defined as "all property other than real property, and therefore its primary characteristic is that it is not permanently attached to real property"
Common examples of real property are buildings and attachments to buildings, land, and crops or other items growing on the land. Personal property is everything else, such as auto-mobiles, money, clothes, radios, furniture, sailboats, jewelry, tickets to a rock concert, text-books, paintings, personal computers, airplanes, chemicals, and animals.
When property is damaged, there may be both direct and indirect losses. A direct loss occurs when there is damage to property, as when a fire damages a home. An indirect loss occurs when a direct loss causes expenses to increase or revenues to decline. For example, after a fire, the owner of a home can no longer rent the basement apartment to college stu-dents, and the rent is lost. Also, additional funds must be spent by the homeowner for rental of a motel room or an apartment while the home is being repaired.
Because of this dual nature of property losses, many insurance contracts insure both di-rect and indirect losses in the same contract. For instance, a homeowners' policy insures di-rect losses to real and personal property as well as indirect losses that result when the insured dwelling is damaged by an insured peril.
When dealing with property insurance, there are usually only two parties to the contract:the insured and the insurer. Payments are made to the insured for covered losses caused by insured perils. If a person purchases fire insurance and a windstorm damages the property, there is no coverage. However, if the insured accidentally starts a fire, it is covered. Property insurance pays the policyholder without regard to f
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