风险管理与保险/高等学校金融学类英文版教材

本书以风险为主线，逐步引入风险管理的各个层面一一风险、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。 本书的论述由浅入深、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。

RISK AND THE RISK MANAGEMENT PROCESS
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

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..

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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