目    录

412前言1a1c1ac111c111a1a1

413cccc第1篇cc基本原则和术语2a2c2ac222c222a2a2

414第1章cc基本原理和术语3a3c3ac333c333a3a3

415cccc1.31cc定义保险4a4c4ac444c444a4a4

416cccc1.41.41cc金融定义5a5c5ac555c555a5a5

417cccc1.51.52cc法律定义6a6c6ac666c666a6a6

418cccc1.62cc损失.c损失机会.c风险事故.c风险因素和近因7a7c7ac777c777a7a7

419cccc1.72.71cc损失8a8c8ac888c888a8a8

4110cccc1.82.82cc损失机会9a9c9ac999c999a9a9

4111cccc1.92.93cc风险事故和风险因素10a10c10ac101010c101010a10a10

4112cccc1.102.104cc近因11a11c11ac111111c111111a11a11

4113cccc1.112.115cc风险12a12c12ac121212c121212a12a12

4114cccc1.122.126cc纯粹风险和投机风险13a13c13ac131313c131313a13a13

4115cccc1.132.137cc风险管理14a14c14ac141414c141414a14a14

4116cccc1.143cc保险的数理基础15a15c15ac151515c151515a15a15

4117cccc1.154cc保险体系运行的数学实例16a16c16ac161616c161616a16a16

4118cccc1.165cc保险费的构成17a17c17ac171717c171717a17a17

4119cccc1.175.171cc四个基本组成部分18a18c18ac181818c181818a18a18

4120cccc1.185.182cc现金流量承保19a19c19ac191919c191919a19a19

4121cccc1.196cc保险体系的社会效益和社会成本20a20c20ac202020c202020a20a20

4122cccc1.206.201cc成本21a21c21ac212121c212121a21a21

4123cccc1.216.212cc效益22a22c22ac222222c222222a22a22

4124cccc1.227cc纵火案：是谁真正赔付了被保险人的损失23a23c23ac232323c232323a23a23

4125cccc小结24a24c24ac242424c242424a24a24

4126第2章cc可保事件的内涵与外延25a25c25ac252525c252525a25a25

4127cccc2.251cc理想的可保损失风险26a26c26ac262626c262626a26a26

4128cccc2.261.261cc大量的同质风险27a27c27ac272727c272727a27a27

4129cccc2.271.272cc损失必须是意外的.c被保险人无法控制的28a28c28ac282828c282828a28a28

4130cccc2.281.283cc损失必须是确定的和可测量的,29其严重程度足以造成经济困难的29a29c29ac292929c292929a29a29

4131cccc2.292cc巨灾损失30a30c30ac303030c303030a30a30

4132cccc2.302.301cc近期巨灾损失的冲击31a31c31ac313131c313131a31a31

4133cccc2.312.312cc巨灾损失成本增加的原因32a32c32ac323232c323232a32a32

4134cccc2.322.323cc联邦灾难救济33a33c33ac333333c333333a33a33

4135cccc2.332.334cc巨灾保险方案34a34c34ac343434c343434a34a34

4136cccc2.343cc若仅为最易遭受特殊损失者投保,35则属不可保事件35a35c35ac353535c353535a35a35

4137cccc2.354cc赌博损失是不可保事件36a36c36ac363636c363636a36a36

4138cccc2.365cc一些投机风险可能成为可保事件37a37c37ac373737c373737a37a37

4139cccc2.376cc风险分类与可保事件38a38c38ac383838c383838a38a38

4140cccc2.386.381cc补贴39a39c39ac393939c393939a39a39

4141cccc2.396.392cc逆选择40a40c40ac404040c404040a40a40

4142cccc2.406.403cc风险分类原则41a41c41ac414141c414141a41a41

4143cccc2.417cc保险种类42a42c42ac424242c424242a42a42

4144cccc2.428cc责任保险43a43c43ac434343c434343a43a43

4145cccc2.438.431cc法律背景44a44c44ac444444c444444a44a44

4146cccc2.448.442cc疏忽45a45c45ac454545c454545a45a45

4147cccc2.458.453cc疏忽诉讼案46a46c46ac464646c464646a46a46

4148cccc2.468.464cc疏忽及赔偿金的确定47a47c47ac474747c474747a47a47

4149cccc2.478.475cc疏忽诉讼案件中的辩护48a48c48ac484848c484848a48a48

4150cccc2.488.486cc疏忽与责任保险的关系——事实问题49a49c49ac494949c494949a49a49

4151cccc2.498.497cc法律判决50a50c50ac505050c505050a50a50

4152cccc2.508.508cc伦理.c责任保险与可保事件51a51c51ac515151c515151a51a51

4153cccc小结52a52c52ac525252c525252a52a52

4154第3章cc风险管理53a53c53ac535353c535353a53a53

4155cccc3.531cc风险管理的职能54a54c54ac545454c545454a54a54

4156cccc3.541.541cc风险管理人员55a55c55ac555555c555555a55a55

4157cccc3.551.552cc风险与保险管理协会56a56c56ac565656c565656a56a56

4158cccc3.561.563cc目标报告书及原则57a57c57ac575757c575757a57a57

4159cc3.572cc风险管理程序58a58c58ac585858c585858a58a58

4160cc3.583cc第一步：识别并衡量风险59a59c59ac595959c595959a59a59

4161cccc3.593.591cc直接财产损失60a60c60ac606060c606060a60a60

4162cccc3.603.602cc收入损失61a61c61ac616161c616161a61a61

4163cccc3.613.613cc责任损失62a62c62ac626262c626262a62a62

4164cccc3.623.624cc关键人物的损失63a63c63ac636363c636363a63a63

4165cccc3.633.635cc最大损失估测64a64c64ac646464c646464a64a64

4166cccc3.643.646cc紧急筹划——灾后恢复65a65c65ac656565c656565a65a65

4167cccc3.654cc第二步：损失控制与风险融资66a66c66ac666666c666666a66a66

4168cccc3.664.661cc损失控制67a67c67ac676767c676767a67a67

4169cccc3.674.672cc风险融资68a68c68ac686868c686868a68a68

4170cccc3.685cc第三步：风险管理计划的常规评介69a69c69ac696969c696969a69a69

4171cccc小结70a70c70ac707070c707070a70a70

4172cccc3.706cc附录：个人风险管理71a71c71ac717171c717171a71a71

4173cccc第2篇cc运行及监管背景72a72c72ac727272c727272a72a72

4174第4章cc金融服务公司73a73c73ac737373c737373a73a73

4175cccc4.731cc两种不同类型的保险公司74a74c74ac747474c747474a74a74

4176cccc4.741.741cc股份保险公司75a75c75ac757575c757575a75a75

4177cccc4.751.752cc相互保险公司76a76c76ac767676c767676a76a76

4178cccc4.761.763cc非相互化77a77c77ac777777c777777a77a77

4179cccc4.772cc伦敦劳合社78a78c78ac787878c787878a78a78

4180cccc4.783cc保险公司的其他组织形式79a79c79ac797979c797979a79a79

4181cccc4.793.791cc互惠合作社80a80c80ac808080c808080a80a80

4182cccc4.803.802cc互助人寿保险人81a81c81ac818181c818181a81a81

4183cccc4.813.813cc储蓄银行人寿保险82a82c82ac828282c828282a82a82

4184cccc4.823.824cc蓝十字和蓝盾83a83c83ac838383c838383a83a83

4185cccc4.833.835cc健康维护组织和选择性医疗组织84a84c84ac848484c848484a84a84

4186cccc4.844cc产业组织85a85c85ac858585c858585a85a85

4187cccc保险产业86a86c86ac868686c868686a86a86

4188cccc小结87a87c87ac878787c878787a87a87

4189cccc4.875cc附录：保险与私营企业——东欧潜在市场88a88c88ac888888c888888a88a88

4190cccc4.885.881cc引言89a89c89ac898989c898989a89a89

4191cccc4.895.892cc为何选择保险90a90c90ac909090c909090a90a90

4192cccc4.905.903cc为何选择私营保险91a91c91ac919191c919191a91a91

4193cccc4.915.914cc竞争与效率cccc92a92c92ac929292c929292a92a92

4194cccc4.925.925cc自由资本体系的核心93a93c93ac939393c939393a93a93

4195cccc4.935.936cc私营保险公司的要求94a94c94ac949494c949494a94a94

4196cccc4.945.947cc在东欧建立私营保险体系的困难95a95c95ac959595c959595a95a95

4197cccc4.955.958cc未来展望96a96c96ac969696c969696a96a96

4198第5章cc保险职业97a97c97ac979797c979797a97a97

4199cccc5.971cc保险营销和分销98a98c98ac989898c989898a98a98

4100cccc5.982cc保险代理人和经纪人99a99c99ac999999c999999a99a99

4101cccc5.992.991cc代理人法100a100c100ac100100100c100100100a100a100

4102cccc5.1002.1002cc保险经纪人101a101c101ac101101101c101101101a101a101

4103cccc5.1012.1013cc许可要求102a102c102ac102102102c102102102a102a102

4104cccc5.1022.1024cc财产与责任保险代理人和经纪人103a103c103ac103103103c103103103a103a103

4105cccc5.1032.1035cc寿险代理人和经纪人104a104c104ac104104104c104104104a104a104

4106cccc5.1042.1046cc保险代理人的义务105a105c105ac105105105c105105105a105a105

4107cc5.1053cc损失理算人106a106c106ac106106106c106106106a106a106

4108cc5.1064cc雇员.c独立理算局和公共理算人107a107c107ac107107107c107107107a107a107

4109cccc5.1074.1071cc理算人属于代理人108a108c108ac108108108c108108108a108a108

4110cccc5.1084.1082cc权利保留109a109c109ac109109109c109109109a109a109

4111cccc5.1094.1093cc弃权和禁止反言110a110c110ac110110110c110110110a110a110

4112cc5.1105cc核保人111a111c111ac111111111c111111111a111a111

4113cccc5.1115.1111cc逆选择112a112c112ac112112112c112112112a112a112

4114cccc5.1125.1122cc财产险核保113a113c113ac113113113c113113113a113a113

4115cccc5.1135.1133cc人身险核保114a114c114ac114114114c114114114a114a114

4116cccc5.1145.1144cc核保与隐私权115a115c115ac115115115c115115115a115a115

4117cccc5.1156cc精算师116a116c116ac116116116c116116116a116a116

4118cccc5.1167cc律师117a117c117ac117117117c117117117a117a117

4119cccc5.1178cc投资专家118a118c118ac118118118c118118118a118a118

4120cccc5.1189cc其他职位119a119c119ac119119119c119119119a119a119

4121cccc小结120a120c120ac120120120c120120120a120a120

4122cccc5.12010cc附录1：有关保险代理人和经纪人的法律问题121a121c121ac121121121c121121121a121a121

4123cccc5.12111cc附录2：伦理选择122a122c122ac122122122c122122122a122a122

4124cccc5.12211.1221cc前言123a123c123ac123123123c123123123a123a123

4125cccc5.12311.1232cc词汇124a124c124ac124124124c124124124a124a124

4126cccc5.12411.1243cc道德规范125a125c125ac125125125c125125125a125a125

4127cccc5.12511.1254cc三个实践案例126a126c126ac126126126c126126126a126a126

4128第6章cc保险市场：经济问题127a127c127ac127127127c127127127a127a127

4129cccc6.1271cc经济理论128a128c128ac128128128c128128128a128a128

4130cccc6.1281.1281cc供给与需求129a129c129ac129129129c129129129a129a129

4131cccc6.1291.1292cc历史问题130a130c130ac130130130c130130130a130a130

4132cccc6.1302cc保险消费者131a131c131ac131131131c131131131a131a131

4133cccc消费者的选择：公司.c代理人或经纪人.c保险单.c132a132c132ac132132132c132132132a132a132

4134cccc保险金额和价格133a133c133ac133133133c133133133a133a133

4135cccc6.1333cc保护消费者：法院</