风险管理与保险原理（第十二版）_乔治·E·瑞达迈克尔·J.麦克纳马拉著_9787300247946

　　《风险管理与保险原理（英文版第十二版）/高等学校经济类双语教学推荐教材·经济学经典教材·金融系列》是一本关于风险以及如何应对风险的保险学教材，长期畅销于美国。它涵盖了当今风险管理和保险原理的所有主要领域，包括风险和保险的基本概念、风险管理中浅层次和深层次的问题、保险公司的功能和财务运作、法律原理、寿险和健康险、财产和责任保险、员工福利和社会保险。

　　此外，《风险管理与保险原理（英文版第十二版）/高等学校经济类双语教学推荐教材·经济学经典教材·金融系列》着重强调了对消费者的保护，并将基本的风险管理和保险原理与对消费者的关切结合起来。

　　《风险管理与保险原理（英文版第十二版）/高等学校经济类双语教学推荐教材·经济学经典教材·金融系列》内容全面，语言通俗易懂，对理论的讲解深入浅出，并与实务密切结合。既可以作为保险专业本科生的保险学入门教材，也适合作为对风险管理和保险、社会保障、个人财务规划感兴趣的人士的参考书。

　　此外，《风险管理与保险原理（英文版第十二版）/高等学校经济类双语教学推荐教材·经济学经典教材·金融系列》也是我国保险业及金融业广大从业人员学习风险管理和保险原理、了解美国保险业全貌和发展状况的重要工具。

　　This text deals with risk and its treatment. Since the last edition of Principles of Risk Management and Insurance appeared， several unprecedented events have occurred that clearly demonstrate the destructive presence of risk in our society. In 2010， one of the most devastating earthquakes in recent history struck poverty-stricken Haiti， causing enormous human suffering， an estimated 316，000 deaths， one million homeless people， and widespread property destruction. In 2011， a deadly earthquake hit Japan that caused a devastating tsunami and a nuclear accident crisis. More than 18，000 people died， thousands more are missing， and estimated property damage may exceed $300 billion. During the same period， the Obama Administration introduced legislation to reform a broken health-care delivery system. Despite formidable opposition by the Republicans， and heated and bitter debate， Congress enacted the Affordable Care Act in March 2010. The new law extends health insurance coverage to millions of uninsured people， provides subsidies to purchase insurance， and prohibits certain abusive practices by insurers.

　　Finally， in 2012， a deranged gunman randomly killed 12 people and wounded at least 58 others in a theater in Aurora， Colorado. This tragic act again highlights the fact that spree killings are not isolated events， and that the risk of death or injury is markedly present. Flash forward to the present. The economy and housing markets are slowly recovering from the second most severe economic downswing in the nation's history; although declining， unemployment remains at historically high levels; and a dysfunctional Congress remains hopelessly deadlocked because of deeply held ideological beliefs by its members. The Affordable Care Act remains controversial， and Republicans in Congress are determined to repeal it. The House has already enacted legislation to repeal the Affordable Care Act. To say that we live in a risky and dangerous world is an enormous understatement. The twelfth edition of Principles of Risk Management and Insurance discusses these issues and other insurance issues as well. As in previous editions， the text is designed for a beginning undergraduate course in risk management and insurance with no prerequisites. The twelfth edition provides an in-depth treatment of major risk management and insurance topics. Coverage includes a discussion of basic concepts of risk and insurance， introductory and advanced topics in risk management， functional and financial operations of insurers， legal principles， life and health insurance， property and liability insurance， employee benefits， and social insurance. In addition， the new Affordable Care Act is discussed in depth. Once again， the twelfth edition places primary emphasis on insurance consumers and blends basic risk management and insurance principles with consumer considerations. With this user-friendly text， students can apply basic concepts immediately to their own personal risk management and insurance programs.

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