保险与风险管理-教学大纲

保险与风险管理-教学⼤纲
《保险与风险管理》教学⼤纲
课程编号：111194A
课程类型：专业必修课
总学时：64
学分：4
适⽤对象：国际⾦融
⼀、教学⽬标
《保险与风险管理》是为国际⾦融（全英班）本科⽣开设的课程，在⾦融专业课程体系中属于不可缺少的部分。

通过本门课程的教学，使学⽣掌握保险与风险管理的基本概念、原理和相关术语，提⾼风险管理与保险的英⽂专业⽂献的阅读能⼒；了解中美两国保险市场的运营状况；探索保险⾏业各个经营环节的内在机制，以满⾜⾦融保险部门对既能熟练掌握英语⼜能掌握保险业务的复合型专业⼈才的需要。

教学过程中，坚持专业英⽂与知识学习相结合的原则，为学⽣进⼀步学习专业英⽂⽂献、阅读国外保险⾏业前沿信息打下坚实基础。

⽬标1：能熟练阅读风险管理英⽂专业⽂献
⽬标2：能熟悉保险业各经营环节的内在逻辑
⽬标3：能熟悉中美两国保险市场的运营状况差异
⼆、教学内容及其与毕业要求的对应关系
本课程是⼀门专业必修的课程，它的主要内容有：风险及其应对、保险和风险、风险管理导论、保险公司和营销体制的类型、保险公司业务、保险公司
的财务运作、政府对保险业的监管、保险基本法律原理、保险合同分析、⼈寿保险条款、年⾦和个⼈退休账户、医疗保障改⾰、员⼯福利之养⽼⾦计划、汽车保险等。

其中，风险管理的基础知识、保险公司业务（重点）、保险基本法律原理（重点）、保险合同分析、政府对保险业的监管、各险种基本逻辑及条款（重点）应精讲、细讲；保险公司与营销体制、保险公司财务运作可粗讲。

重点内容应在讲清概念的基础上，增加案例分析、课堂模拟等使学⽣熟练掌握。

（⼆）教学⽅法和⼿段
采⽤启发与互动式教学⽅法，课堂讲授与课堂分组讨论、案例分析等活动相结合，并注重学⽣练习。

强调学⽣课前预习、⾃学。

要求学⽣积极参与课堂分组练习及课后分组预习、按时完成作业。

该课程强调将基础知识应⽤于实务案例分析及理解，有助于实现教学⽬标。

三、各教学环节学时分配
教学课时分配
四、教学内容（⿊体，⼩四号字）Chapter 1 Risk in Our Society
Different Definitions
Chance of Loss
Peril and Hazard
Classification of Risk
Major Personal Risks and Commercial Risks
Burden of Risk on Society
Techniques for Managing Risk
教学重点：Chance of Loss、Peril and Hazard、Classification of Risk
理解Burden of Risk on Society
掌握Classification of Risk
应⽤Techniques for Managing Risk
复习思考题：应⽤案例及课后习题选做
Chapter 2 Insurance and Risk
Definition of Insurancce
Basic Characteristics of Insurance
Characteristics of an Ideally Insurable Risk
Adverse Selection and Insurance
Insurance and Gambling Compared
Insurance and Hedging Compared
Types of Insurance
Benefits of Insurance to Society
Costs of Insurance to Society
教学重点：Characteristics of an Ideally Insurable Risk，Adverse Selection and Insurance 理解Definition and Basic Characteristics of Insurance, Adverse Selection, Contrast and Comparison between Insurance and Gambling, Contrast and Comparison between Insurance and Hedging
掌握Characteristics of an Ideally Insurable Risk
复习思考题：应⽤案例及课后习题选做
Chapter 3 Introduction to Risk Management
Meaning of Risk Management
Objectives of Risk Management
Steps in the Risk Management Process
Identify Loss Exposures
Measure and Analyze the Loss Exposures
Select the Appropriate Combination of Techniques for Treating the Loss Exposures
Implement and Monitor the Risk Management Program
Benefits of Risk Management
Personal Risk Management
教学难点：Measure and Analyze the Loss Exposures（学⽣动⼿练习）
了解Meaning of Risk Management，Objectives of Risk Management
理解Steps in the Risk Management Process，
掌握Measure and Analyze the Loss Exposures
复习思考题：应⽤案例及课后习题选做
Chapter 4 Types of Insurers and Marketing Systems
Overview of Private Insurance in the Financial Services Industry
Types of Private Insurers
Agents and Brokers
Types of Marketing Systems
Group Insurance Marketing
教学重点：Types of Private Insurers， Agents and Brokers
了解Overview of Private Insurance in the Financial Services Industry， Types of Marketing Systems
理解Types of Private Insurers， Agents and Brokers
复习思考题：应⽤案例及课后习题选做
Chapter 5 Insurance Company Operations
Insurance Company Operations
Rating and Ratemaking
Underwriting
Production
Claims Settlement
Reinsurance
Alternatives to Traditional Reinsurance
Investments
Other Insurance Company Functions
教学难点：Alternatives to Traditional Reinsurance（案例分析）
了解Insurance Company Operations
理解Rating and Ratemaking，Underwriting ，Claims Settlement，Reinsurance
复习思考题：应⽤案例及课后习题选做
Chapter 6 Financial Operations of Insurers
Property and Casualty Insurers
Life Insurance Companies
Rate Making in Property and Casualty Insurance
Rate Making in Life Insurance
The Financial Crisis and Insurers
教学重点：Rate Making in Property and Casualty Insurance，Rate Making in Life Insurance 理解并会计算Rate Making in Property and Casualty Insurance，Rate Making in Life Insurance
复习思考题：应⽤案例及课后习题选做
Chapter 7 Government Regulations of Insurance
Reasons for Insurance Regulation
Historical Development of Insurance Regulation
Methods of Regulating Insurers
What Areas are Regulated?
State Versus Federal Regulation
Current Problems and Issues in Insurance Regulation
教学重点：Methods of Regulating Insurers，What Areas are Regulated?
了解Reasons for Insurance Regulation
掌握 Methods of Regulating Insurers，What Areas are Regulated?
了解State Versus Federal Regulation，Current Problems and Issues in Insurance Regulation
复习思考题：应⽤案例及课后习题选做
Chapter 8 Fundamental Legal Principles
Principle of Indemnity
Principle of Insurable Interest
Principle of Subrogation
Principle of Utmost Good Faith
Requirements of an Insurance Contract
Distinct Legal Characteristics of Insurance Contracts
Law and Insurance Agent
教学重点：Principle of Indemnity, Principle of Insurable Interest, Principle of Subrogation, Principle of Utmost Good Faith 理解Principle of Indemnity, Principle of Insurable Interest, Principle of Subrogation, Principle of Utmost Good Faith
应⽤ Apply Four Principles of Insurance to Case Analysis
复习思考题：应⽤案例及课后习题选做
Chapter 9 Analysis of Insurance Contracts
Basic Parts of Insurance Contract
Definition of “Insured”
Endorsements and Riders
Deductibles
Coinsurance
Coinsurance in Health Insurance
Other Insurance Provisions
教学重点：Deductibles, Coinsurance, Coinsurance in Health Insurance
了解Basic Parts of Insurance Contract
应⽤Apply Basic Concepts of Insurance (Deductibles, Coinsurance) to Case Analysis
复习思考题：应⽤案例及课后习题选做
Chapter 10 Life insurance
Premature Death
Financial Impact of Premature Death on Different Types of Families
Amount of Life Insurance
Variations of Whole Life Insurance
Other Types of Life Insurance
教学重点：Financial Impact of Premature Death on Different Types of Families, Amount of Life Insurance 了解Premature Death and Financial Impact of Premature Death on Different Types of Families
应⽤确定Amount of Life Insurance
复习思考题：应⽤案例及课后习题选做
Chapter 11 Life Insurance Contractual Provisions
Life Insurance Contractual Provisions
Dividend Options
Nonforfeiture Options
Settlement Options
Additional Life Insurance Benefits
教学重点：Dividend Options， Nonforfeiture Options， Settlement Options
了解Life Insurance Contractual Provisions
掌握 Dividend Options， Nonforfeiture Options， Settlement Options
复习思考题：应⽤案例及课后习题选做
Chapter 12 Annuities and Individual Retirement Accounts
Individual Annuities
Types of Annuities
Taxation of Individual Annuities
Individual Retirement Accounts
Adequacy of IRA Funds
教学重点：Types of Annuities，Taxation of Individual Annuities，Individual Retirement Accounts
了解Individual Annuities， Types of Annuities
掌握 Individual Retirement Accounts
了解Adequacy of IRA Funds
复习思考题：应⽤案例及课后习题选做
Chapter 13 Individual Health Insurance Coverages
Health Care Problems in the USA
Individual Health Insurance Coverages
Major Medical Insurance
Health Savings Accounts
Long-Term Care Insurance
Disability Income Insurance
Individual Medical Expense Contractual Provisions
Shopping for Individual Health Insurance
教学重点：Individual Health Insurance Coverages， Major Medical Insurance， Health Savings Accounts， Long-Term Care Insurance，了解Reasons for Insurance Regulation
了解Health Care Problems in the USA， Major Medical Insurance
掌握Individual Health Insurance Coverages，Major Medical Insurance，Health Savings Accounts， Long-Term Care Insurance
了解Individual Medical Expense Contractual Provisions， Shopping for Individual Health Insurance
复习思考题：应⽤案例及课后习题选做
Chapter 14 Employee Benefits: Retirement Plans
Fundamentals of Private Retirement Plans
Types of Qualified Retirement Plans
Defined-Benefit Plans
Defined-Contribution Plans
Section 401k Plans
Section 403b Plans
Profit-Sharing Plans
Retirement Plans for the Self-Employed
Simplified Employee Pension
Simple Retirement Plans
Funding Agency and Funding Instruments
教学重点：DB Plans, DC Plans
了解DB Plans, DC Plans ， Section 401k Plans, Section 403b Plans
掌握中美企业年⾦的对⽐
复习思考题：应⽤案例及课后习题选做
Chapter 15 Auto Insurance
Overview of Personal Auto Policy
Part A: Liability Coverage
Part B: Medical Payments Coverage
Part C: Uninsured Motorists Coverage
Part D: Coverage for Damage to Your Auto
Part E: Duties after an Accident or Loss
Part F: General Provision
Insuring Motorcycles and Other Vehicles
教学重点：Different Parts of Personal Auto Policy
了解Overview of Personal Auto Policy
掌握 Different Parts of Personal Auto Policy, 中美车险对⽐
复习思考题：应⽤案例及课后习题选做
五、考核⽅式、成绩评定（⿊体，⼩四号字）
采⽤闭卷考试的考核⽅法。

平时成绩（含课堂⼩测验、作业完成情况、出勤情况等）占总成绩的40%，期末考试成绩占总成绩的60%。

六、主要参考书及其他内容
[1]George E. Rejda. Principles of Risk Management and Insurance（Eleventh Edition）. 北京：中国⼈民⼤学出版社. 2012
[2] 张栓林编著.《保险专业英语》.北京：中国⾦融出版社.2004
[3] Michael R.Sneyd 编写，杨志强译注. 《保险英语—专业英语阅读教材系列》.北京：清华⼤学出版社.1998
[4] 张栓林编著.《保险英语⼝语》.北京：中国⾦融出版社.2008
[5] 张海平等编著.《保险英语理论与实务》.北京：⽔利⽔电出版社.2006
[6] 沈素萍编著.《⾦融英语阅读教程(第⼆版)》.北京：中国⾦融出版社.2006
[7] 袁建华编著.《保险英语》.成都：西南财经⼤学出版社.2005
执笔⼈：王雅婷
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