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1、《保险基础知识教程()[transfer]insuraneebasedtutorial201LIL102012-2-916:22readingknowledge(1)reprintedfromautilitymodel4backloglistLikereprint(2)sharecomments,copymoreaddress1:riskconsistsofthreeelementsofriskfactors,theriskofaccidentsandlossof.2:classificationofrisksubject:property,personalresporisib
2、ility,andcredit・3:theelementsofinsuranee:theexistenceofinsurablerisks,thecollectionanddispersionofalargenumberofhomogeneousrisks,thedeterminationofpremiumrates,theestablishmentofinsurancereserves,andtheconclusionofinsurancecontracts・4:insurancedensity=premiumincome/totalpopulation,theinsuran
3、eepremiumincomedepth=/GDP5:thebasicprincipleofutmostgoodfaith,insurance:insuraneebenefits,compensation,theprincipleofproximatecause6:insuraneecompanybusinessoperations:insuraneesales,insuranceunderwriting,insuranceclaims,insurancecustomerservice.7:riskmanagementreferstotheriskcontrolinordert
4、oachievemanagementobjectivesandstrategies,aconstructionbasedonacomprehensive,systematicanddynamicriskanalysisonthegeneralprocessoffinancing,riskcompensationandriskdecision-makingsystemandmethod・8:theoverallgoalofriskmanagement:tominimizetheriskmanagementcoststoobtainthemaximumsecurity,tomaxi
5、mizethevalueofeconomicunits・9:theinsuranceeconomicperspective:insuranceisamethodoflossallocation,theinsuraneepremiumissetupbythepremiumspaidbymostunitsandindividuals,andthelossofminoritymembersisassumedbyall.10:moderninsurancewitheconomiccompensation,financingandsocialmanagement・11:insurance
6、contractisaspecialdualcontract,insurancecontractisastandardformofcontract,insuranceisalsoaluckycontract・Theinsurancecontractisthegreatestgoodfaithcontract・12:insurancecontractelements:themainbodyoftheinsurancecontract(insurancecontract(theinsurerandtheinsured),therelationshipbetweentheinsura
7、ncecontract(insuredandbeneficiary)),istheinsuranceobject,insurancecontractinterest(insuranceinterestisinsuredfortheinsuredduetovariousintereststherelationshiptosomeDepartmentofeconomicinterest,insurableinterest;insurancecontract(basicclause,clause)
