Insurance sciense |
| Ermasov S. V, Ermasova N.B.. Insurance: the textbook- M: Higher education, 2008. - 613 pages, 2008 The purpose of the present edition is disclosing of fundamental bases of insurance: essence and functions, the maintenance of insurance, organizational forms of insurance relations, kinds of an insurance product, interaction of the insurance organisations among themselves and with other financial institutions, specificity of financial activity of the insurance companies. |
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| Reductions |
| 1. Standard legal certificates |
| 2. Authorities |
| 3. Other reductions |
| GENERAL BASES INSURANCE |
| HISTORY OF DEVELOPMENT OF THE INSURANCE MARKET |
| 1.1. Origin of institute of insurance |
| 1.2. History of development of insurance in foreign countries |
| 1.3. Life insurance development abroad |
| 1.4. Property insurance in Russia |
| 1.5. Life insurance development in Russia |
| 1.6. Insurance development in the Soviet Russia and in the first years of market reforms |
| 1.7. Insurance development during the Post-Soviet period |
| The unions and associations of insurers. |
| 1.8. A modern condition of the Russian insurance market |
| 1.9. The basic tendencies of development of institute of insurance in Russia and abroad |
| THE ECONOMIC MAINTENANCE OF INSURANCE |
| 2.1. A role and value of insurance |
| 2.2. An insurance place in a financial system |
| 2.3 Concept and insurance functions |
| Insurance is an economic and financial category. |
| Insurance functions. |
| 2.4. Insurance principles |
| Among basic principles of insurance it is necessary to distinguish () economic principles of functioning of system of insurance and () principles of realisation insurance pravootnosheny. |
| Economic principles of functioning of system of insurance |
| Principle strahuemosti risk. |
| Unambiguity of allocation (identification) of risk. |
| Subjectivity of risk. |
| Equivalence principle. |
| Principles of realisation insurance pravootnosheny |
| Principle of the highest trust of the parties. |
| Principle of payment of insurance compensation at a rate of the valid loss. |
| Principle of presence of a relationship of cause and effect of the loss and the event which have caused it. |
| Contribution principle. |
| The principle subrogatsii |
| RISKS: ESSENCE AND CLASSIFICATION |
| 3.1. Concepts of risk and uncertainty |
| Parity of concepts - "risk" and "uncertainty". |
| Cycle of a life of risk. |
| 3.2. The business management in conditions stohastic |
| Factors of uncertainty of Russia. |
| 3.2. A business management in the conditions of uncertainty |
| 3.3. Risk theories |
| Risk as the attributive characteristic of any kind of human activity. |
| Risk as result of accumulation of regressive potential. |
| Concept of destructive risks. |
| Risk as the form of identified uncertainty of result. |
| 3.4. The basic functions and risk characteristics |
| Risk functions |
| Basic characteristics of risk. |
| 3.5. Legislative definition of insurance risk |
| Parity of accident and probability of approach of insurance event. |
| Essential and insignificant treaty provisions of insurance. |
| The circumstances important for definition of the size of insurance risk |
| Consequences of change of risk. |
| 3.6. The general classification of risks |
| Principles of classification of risks |
| Criteria of classification of risks. |
| 3.7. Insurance risks and their classification |
| Kinds of insurance risks. |
| The basic characteristics of insurance risks. |
| SPECIAL TERMINOLOGY of INSURANCE |
| 4.1. Terms and the concepts characterising insurance event and an insurance case |
| Parity of concepts «insurance risk» and «an insurance case». |
| Signs of an insurance case. |
| Some practical conclusions. |
| 4.2. The terms reflecting an insurance damage |
| 4.3. Property, events during lives and responsibility as objects of insurance protection |
| Insurance case in personal and property insurance. |
| Objects of insurance protection in property insurance. |
| Enterprise risks as object of property insurance. |
| Responsibility as object of insurance protection. |
| Insurance of a civil liability of owners of transport. |
| Regressnyj the claim in property insurance. |
| 4.4. Elements of objective system of insurance |
| The objective system of insurance is a set of objects in the course of formation and use of insurance fund. It includes following elements: 1) brave circumstances; 2) a risk situation; 3) cost (estimation) of object of insurance; 4) insurance event; 5) the insurance sum; 6) an insurance payment; 7) an insurance case; 8) a damage (loss) of the insurer; 9) insurance payment. The interrelation between these elements forms structure of objective system of insurance (fig. 4.1). |
| Brave circumstances. |
| Risk estimation of cost. |
| Risk situation. |
| Insurance event. |
| Insurance project cost of insurance. |
| The insurance sum |
| Insurance payment. |
| The insurance tariff. |
| SUBJECTS of INSURANCE |
| 5.1. The insurer and the insurer as the basic participants strahovanijasubekty insurance. |
| Insurance relations and insurance interests. |
| The rights and duties of subjects of the contract of insurance. |
| 5.2. Additional participants of insurance from the insurer |
| 5.3. Insurance intermediaries |
| Concept of insurance intermediaries. |
| Brokers as subjects of the market of insurance services. |
| Insurance agents as subjects of insurance business. |
| The basic functions of insurance agents |
| Qualifying requirements to work of the insurance agent. |
| Mutual relations between the insurance company and insurance agents. |
| 5.4. Other organizers of procedure of insurance |
| Except the insurance relations considered before participants, in insurance its direct organizers appear: acquirers, collectors, dispashery (adzha - stery), aktuarii, emergency commissioners, sjurvejery, anderrajtery, insurance auditors and inspectors. |
| Acquirers and collectors of insurance payments. |
| Emergency commissioners. |
| Dispashery. |
| Aktuarii. |
| Sjurvejery. |
| 5.5. Concept and structure of the insurance market |
| 5.6. Internal system and an external environment of the insurance market |
| Structural elements of internal system of the market of insurance. |
| xternal environment of the market of insurance. |
| Market demand for insurance services |
| The factor of a technological level of the insurance company |
| INSURANCE SWINDLE |
| 6.1. Kinds of insurance swindle |
| Classification of crimes in insurance sphere. |
| Crimes against the insurer. |
| Insurance swindle. |
| Classification of kinds of the crimes made for the purpose of illegal reception of insurance payment. |
| Swindle of the insurance companies. |
| 6.2. Insurance swindle abroad |
| ORGANIZATIONAL BASES of ACTIVITY of INSURERS |
| 7.1. Organizational-legal and economic standard requirements to creation and activity of the insurance company |
| Organizational-legal requirements to creation of the insurance company. |
| Economic standard requirements to creation and activity of the insurance organisations. |
| 1. Requirements to the minimum size of the authorised capital of the insurance company. |
| 2. Guarantees of maintenance of financial stability of the insurance company. |
| 3. Standard requirements to formation and investment of insurance reserves. |
| 4. Requirements to organizational structure of the insurance company. |
| 7.2. Types of the insurance companies |
| The joint-stock insurance companies. |
| Mutual insurance societies. |
| In what a secret of durability of societies of a mutual insurance? |
| The analysis of a being of a mutual insurance allows to allocate a number of its advantages in comparison with other forms of the organisation of insurance protection. |
| Keptivnaja the insurance company. |
| Lloyd's corporation. |
| Frontirujushchaja the company. |
| MARKETING In INSURANCE |
| 8.1. The concept insurance marketingamarketing |
| Features of marketing of insurance services. |
| Concept and characteristics of services. |
| 8.2. Elements of marketing of insurance services |
| The price policy of the organisation. |
| Marketing an organisation polyhook. |
| Marketing communications. |
| Marketing research. |
| Features of marketing of insurance services in modern conditions. |
| 8.3. Management of a marketing policy of the insurance company |
| Concept and functions of insurance management. |
| Planning. |
| The organisation. |
| Motivation of the personnel. |
| The control. |
| Service of marketing of the insurance company, its role and functions. |
| The basic functions of marketing. |
| Practice of insurance marketing. |
| Studying of insurers. |
| Sensations. |
| Inquiries and preferences. |
| Motives. |
| Studying of motives of the potential client at the conclusion of the contract of insurance. |
| The analysis of the market of the insurance company. |
| Research of an insurance product. |
| INSURANCE CONTRACT |
| 9.1. Features of occurrence and realisation insurance pravootnosheny |
| Legitimate definition of the contract of insurance. |
| Features of the contract of insurance. |
| The insurance contract is vozmezdnym the contract. |
| The insurance contract is aleatornym (or brave) the contract. |
| Kinds of insurance contracts. |
| The general order of the conclusion and registration of the contract of insurance. |
| 9.2. A subject and treaty provisions |
| Subject of the contract of insurance. |
| Essential and insignificant treaty provisions of insurance. |
| The rules of insurance developed by insurers. |
| 9.3. The rights and duties of the parties in contract action |
| The rights and duties of the insurer. |
| The rights and duties of the insurer. |
| 9.4. Mutual relations of the parties at approach insurance sluchajaponjatie an insurance case. |
| 9.5. A termination of the contract and its recognition the void |
| Period of validity of the contract of insurance. |
| Recognition of the contract of insurance by the void. |
| Order of change and insurance cancellation. |
| Preschedule termination of the contract. |
| 9.6. Insurance documents at the conclusion and a termination of the contract |
| FINANCIAL BASES of INSURANCE ACTIVITY |
| AKTUARNYE CALCULATIONS (THE FINANCIAL MATHEMATICS OF INSURANCE) |
| 10.1. Essence aktuarnyh calculations, their kinds and problems |
| Concept aktuarnyh calculations. |
| Aktuarnye calculations are made taking into account features of insurance. |
| Kinds aktuarnyh calculations. |
| 10.2. The analysis of indicators of insurance statistics |
| The basic indicators of insurance statistics. |
| The analysis of indicators of insurance statistics. |
| 10.3. The structure and structure tariff stavkiv |
| Example of calculation of the tariff rate on insurance on dozhitie. |
| 10.4. Essence and structure of the insurance tariff |
| Example of calculation of an insurance payment. |
| 10.5. Net-rate |
| 10.6. Loading |
| 10.7. Gross-rate |
| INSURANCE TARIFFS |
| 11.1. The tariff policy of the insurance organisation |
| Principles of a tariff policy. |
| 11.2. Bases of definition of insurance tariffs on insurance zhizniraschet |
| 11.3. Design procedure substantive provisions net - and gross-rate on insurance on dozhitie and on a death case |
| 11.4. Transition from edrtovremetoj net-rate to the rate gri to payment insurance gremm in raosroku |
| 11.5. Design procedure substantive provisions net - and gross-rates on rent and pension insurance |
| INSURANCE AWARD |
| 12.1. Essence of the insurance award. Discounts and extra charges in structure of the insurance award |
| Concept and structure of an insurance payment. |
| 12.2. Kinds of the insurance award |
| Management of an insurance portfolio. |
| The analysis and maintenance of financial stability of an insurance portfolio. |
| Indicators of financial stability of an insurance portfolio. |
| Hedging |
| 12.4. Systems of insurance responsibility |
| Essence of systems of insurance responsibility and franchises. |
| System of the valid cost. |
| System of regenerative cost. |
| System of the first risk. |
| System of proportional responsibility. |
| System of limiting responsibility. |
| INSURANCE FUNDS. INSURANCE RESERVES And SPARE FUNDS |
| 13.1. A role and value of insurance fund |
| Concept and essence of insurance fund. |
| Insurance fund and reserve funds. |
| 13.2. Concepts of insurance fund |
| Modern concepts of insurance fund. |
| 13.3. Kinds of insurance fund. Incomes and expenses of the insurer |
| The centralised insurance (reserve) fund. |
| Self-insurance fund. |
| Insurance fund of the insurer. |
| Incomes of insurance fund of the insurer. |
| Expenses of insurance fund of the insurer. |
| 13.4. Essence, kinds and value of spare funds |
| FINANCE of the INSURANCE COMPANY |
| 14.1. Expenses of the insurance company |
| 14.3. The mechanism of formation of net profit of the insurance company |
| 14.4. Types of tax of the insurance organisation |
| Features of payment of the profit tax the insurance organisations. |
| 14.5. The economic analysis of insurance operations |
| Method of working out of a dynamic number. |
| Features of the economic analysis of insurance operations. |
| Economic indicators of insurance activity. |
| 14.6. Profitability, financial stability and solvency of the insurance company |
| Design procedure of solvency of the insurance company (marzha solvency) |
| Indicators of financial stability of the insurance company |
| 1. Indicators of an estimation of profitability |
| 2. An estimation of liquidity of actives of the company |
| 3. Indicators of business activity |
| 4. An estimation of market stability (sufficiency of structure of balance) |
| Maintenance of financial stability of the insurance company |
| Degree of deficiency of means of the insurance company |
| Profitability of the insurance company |
| 14.7. Financial planning of insurance activity of the insurer |
| Planning of financial activity of the insurer. |
| Features of current (annual) planning |
| 14.8. Formation of insurance reserves by kinds of insurance by other, than life insurance |
| Structure of insurance reserves by kinds of insurance by other, than life insurance. |
| Procedure of payments of insurance reserves on insurance to other, than life insurance. |
| Calculation of a reserve of not earned award |
| Calculation of a reserve declared, but not settled losse |
| Calculation of a reserve occurred, but not declared losses |
| Calculation of a stabilisation reserve |
| Calculation of a reserve of alignment of losses |
| REINSURANCE BASES |
| 15.1. Essence and theoretical bases sostrahovanija and reinsurance |
| Economic essence sostrahovanija. Insurance pools. |
| Financial essence and the economic maintenance of reinsurance. |
| Reinsurance functions. |
| 15.2. Facultative and obligatory reinsurance |
| Facultative reinsurance. |
| Obligatory reinsurance. |
| 15.3. Proportional reinsurance |
| Kinds of proportional reinsurance. |
| 15.4. Disproportionate reinsurance |
| INSURANCE IN FOREIGN COUNTRIES |
| 16.1. The organisation of the insurance market in industrially developed countries of the world |
| The insurance legislation and state re_uli - rovanie insurance business. |
| 16.2. Insurance in the USA |
| 16.3. Insurance in the Great Britain |
| 16.4. Insurance in Germany |
| 16.5, Insurance in France |
| 16.6. Insurance in Japan |
| BRANCHES, podotrasli And INSURANCE KINDS |
| PERSONAL INSURANCE |
| 17.1. Features and kinds of personal insurance |
| Essence of the mechanism of personal insurance. |
| Objects and subjects of personal insurance. |
| 17.2. Life insurance |
| Concept and essence of life insurance. |
| The life insurance purposes. |
| Protection of property interests of citizens at life insurance. |
| The principles realised in life insurance. |
| Discounting principle. |
| Principle of participation in profit of the insurer under special investment policies. |
| Principle of the repayment of the contract. |
| Life insurance transparency. |
| Social and economic role of life insurance. |
| 17.4. Specificity of base kinds of life insurance |
| Urgent life insurance. |
| Lifelong insurance. |
| The mixed life insurance. |
| Forms of investment memory life insurance in Russia. |
| Innovations in the life insurance market. |
| Insurance on long-term leaving |
| Annuitetnoe life insurance. |
| Pension insurance. |
| 17.5. Problems of development of life insurance in Russia |
| 17.6. Insurance upon accidents |
| Subject, objects and subjects of insurance upon accidents. |
| Key rules of payment of the insurance maintenance, insurance applied in contracts upon accidents. |
| Insurance of children upon accidents. |
| Insurance of passengers. |
| 17.7. Medical insurance |
| 17.8. Calculations of the sums on the mixed life insurance |
| PROPERTY INSURANCE |
| 18.1. Economic essence and legal maintenance of property insurance |
| 18.2. Features of insurance of property physical and legal bodies |
| Insurance of property of citizens is diverse enough. |
| 18.3. Kinds of insurance of vehicles |
| 18.4. Insurance of cargoes |
| Concept and essence of insurance of cargoes. |
| The risks accompanying transportation of separate kinds of cargoes. |
| Kinds of an insurance covering and mode of operation of the contract of insurance of cargoes. |
| Conditions of the conclusion of contracts of insurance of cargoes. |
| 18.5. Insurance of technical risks |
| RESPONSIBILITY INSURANCE |
| 19.1. Essence of insurance of responsibility |
| 19.2. Features of realisation of insurance of responsibility in Russia |
| 19.3. Kinds of insurance of a civil liability |
| Insurance of responsibility of borrowers for nepogashenie credits. |
| 19.4. Kinds of insurance of professional responsibility |
| Insurance of responsibility of the tourist organisations. |
| Insurance of responsibility of ecological risks. |
| 19.5. Foreign experience of insurance of responsibility |
| Kinds of insurance of the responsibility, the enterprises connected with economic activities. |
| Insurance of professional responsibility. |
| Insurance of professional responsibility of doctors (Physician Professional Liability Insurance) |
| Insurance of ecological risks. |
| INSURANCE of ENTERPRISE And FINANCIAL RISKS |
| 20.1. Commercial, enterprise and financial risks as objects |
| 20.2. Self-insurance (internal insurance) |
| 20.3. Insurance upon idle times of the enterprise (organisation) |
| 20.4. Profit insurance. Insurance of incomes. Insurance of rent payments |
| 20.5. Insurance of the financial risks connected with activity of a key figure of business |
| 20.6. Insurance of risk of unforeseen court costs. Insurance of risk of bankruptcy |
| 20.7. Insurance of credit risks |
| 20.8. Insurance of bank risks |
| Systems of insurance of deposits and their kinds |
| The Russian system of insurance of bank contributions |
| 20.9. Insurance of investments |
| The literature |
Like information on life insurance: Research of Russian scientists in insurance |
- Insurance in system of the international economic relations: manual. – Orenburg, 2010. – 383 pages, 2010 year
- Insurance business: a course of lectures. - Rostov-n/D: JUFU, 2010. - 387 pages, 2010 year
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- THE INSURANCE MECHANISM OF MAINTENANCE OF SAFETYEMPLOYEES of RESCUE DIVISIONS of the Ministry of Emergency Measures of Russia In the conditions of EXTREME SITUATIONS. The DISSERTATION on competition of a scientific degree of the candidate of jurisprudence. St.-Petersburg 2008, 2008 year
- Insurance: the theory and practice. - Ì: "Volters Cluver", 2007., 2007 year
- Insurance: studies. - Ì: velbi, 2006. - 464 pages, 2006 year
- Insurance: the Manual. - M: INFRA TH, 2006 . - 312 p. - (Higher education), 2006 year
- SHpargalka on insurance: The manual, 2005 .-80p., 2005 year
- Insurance.- SPb: Peter, 2003. - 256 pages: (A series «Textbooks for high schools»)., 2003 year
- Insurance Development in tourism sphere [the Electronic resource]: Dis.... kand. ekon. Sciences: 08.00.10, TH.: RGB, 2003 (From funds of the Russian State Library), 2003 year
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