《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。

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 exampl

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: pri