你可以去中国期刊网找硕士或博士论文，论文的参考文献里肯定有外文文献，如果你只要篇名的话复制下就可以了如果是要看文献的话，建议去EBSCO，个人还是比较喜欢这个网站的
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium and duty of there are a few principles of insurance, which are considered as the uncertain losses, the predictable rate and distribution of losses,the sinificant of loss and the loss must be A property or liability insurance policy is a "personal contract," a "conditional contract," a "unilateral contract," a "contract of adhesion," a "contract of indemnity," and a contract which requires that the person insured have an insurable interest at the time of the insured-against Further: An Insurance Contract is one of Uberrima This is a Latin phrase meaning "utmost good faith" (or translated literally, "most abundant faith") It is the name of a legal doctrine which governs insurance This means that all parties to an insurance contract must deal in good faith, making a full declaration of all material facts in the insurance This contrasts with the legal doctrine of caveat emptor (let the buyer beware) An entity seeking to transfer risk (an individual, corporation, or association of any type) becomes the 'insured' party once risk is assumed by an 'insurer', the insuring party, by means of a contract, defined as an insurance 'policy' This legal contract sets out terms and conditions specifying the amount of coverage (compensation) to be rendered to the insured, by the insurer upon assumption of risk, in the event of a loss, and all the specific perils covered against (indemnified), for the term of the When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a 'claim' against the insurer for the amount of loss as specified by the policy The fee paid by the insured to the insurer for assuming the risk is called the 'premium' Insurance premiums from many clients are used to fund accounts set aside for later payment of claims—in theory for a relatively few claimants—and for overhead So long as an insurer maintains adequate funds set aside for anticipated losses, the remaining margin becomes their Insurers make money in two Through underwriting, the process through which insurers select what risks to insure and decide how much premium to charge for accepting those risks and by investing the premiums they have collected from insureds Some people consider insurance a type of wager (particularly as associated with moral hazard) that executes over the policy The insurance company bets that you or your property will not suffer a loss while you put money on the opposite The difference in the fees paid to the insurance company versus the amount for which they can be held liable if an accident happens is roughly analogous to the odds one might expect when betting on a racehorse (for example, 10 to 1) For this reason, a number of religious groups, including the Amish and some Muslim groups, avoid insurance and instead depend on support provided by their communities when disasters This can be thought of as "social insurance," as the risk of any given person is assumed collectively by the community who will all bear the cost of In closed, supportive communities where others can be trusted to step in to rebuild lost property, this arrangement can Any risk that can be quantified probably has a type of insurance to protect Among the different types of insurance are: Automobile insurance, also known as auto insurance, car insurance and in the UK as motor insurance, is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the vehicle Over most of the United States purchasing an auto insurance policy is required to legally operate a motor vehicle on public Recommendations for which policy limits should be used are specified in a number of In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to No Fault systems, which reduce or eliminate the ability to sue for compensation but provide automatic eligibility for Boiler insurance (also known as Boiler and Machinery insurance or Equipment Breakdown Insurance) Casualty insurance insures against accidents, not necessarily tied to any specific Credit insurance pays some or all of a loan back when certain things happen to the borrower such as unemployment, disability, or Financial loss insurance protects individuals and companies against various financial For example, a business might purchase cover to protect it from loss of sales if a fire in a factory prevented it from carrying out its business for a Insurance might also cover failure of a creditor to pay money it owes to the Fidelity bonds and surety bonds are included in this Health insurance covers medical bills incurred because of sickness or Liability insurance covers legal claims against the For example, a homeowner's insurance policy provides the insured with protection in the event of a claim brought by someone who slips and falls on the property, and brings a lawsuit for her Similarly, a doctor may purchase liability insurance to cover any legal claims against him if his negligence (carelessness) in treating a patient caused the patient injury and/or monetary The protection offered by a liability insurance policy is two-fold: a legal defense in the event of a lawsuit commenced against the policyholder, plus indemnification (payment on behalf of the insured) with respect to a settlement or court Life insurance provides a cash benefit to a decedent's family or other designated beneficiary, and may specifically provide for burial, funeral and other final Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial In that sense, they are the complement of life Total permanent disability insurance insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life Locked Funds Insurance is a little known hybrid insurance policy jointly issued by governments and It is used to protect public funds from tamper by unauthorised In special cases, a government may authorise its use in protecting semi-private funds which are liable to Terms of this type of insurance are usually very As such it is only used in extreme cases where maximum security of funds is Marine Insurance covers the loss or damage of goods at Marine insurance typically compensates the owner of merchandise for losses sustained from fire, shipwreck, , but excludes losses that can be recovered from the Nuclear incident insurance — damages resulting from an incident involving radioactivive materials is generally arranged at the national (For the United States, see Price-Anderson Nuclear Industries Indemnity A) Environmental Liability Insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of a Political risk insurance can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a Professional Indemnity Insurance is normally a mandatory requirement for professional practitioners such as Architects, Lawyers, Doctors and Accountants to provide insurance cover against potential negligence Non licensed professionals may also purchase malpractice insurance, it is commonly called Errors and Omissions Insurance and covers a service provider for claims made against them that arise out of the performance of specified professional For instance, a web site designer can obtain E&O insurance to cover them for certain claims made by third parties that arise out of negligent performance of web site development Property insurance provides protection against risks to property, such as fire, theft or weather This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler Terrorism insurance Title insurance provides a guarantee that title to real property is vested in the purchaser and/or mortgagee, free and clear of liens or It is usually issued in conjunction with a search of the public records done at the time of a real estate Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as medical expenses, lost of personal belongings, travel delay, personal Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expense incurred due to a job-related A single policy may cover risks in one or more of the above For example, car insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from say, causing an accident) A homeowner's insurance policy in the US typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of health insurance for medical expenses of guests who are injured on the owner's Potential sources of risk that may give rise to claims are known as "perils" Examples of perils might be fire, theft, earthquake, hurricane and many other potential An insurance policy will set out in details which perils are covered by the policy and which are Insurance companies may be classified as Life insurance companies, who sell life insurance, annuities and pensions Non-life or general insurance companies, who sell other types of In most countries, life and non-life insurers are subject to different regulations, tax and accounting The main reason for the distinction between the two types of company is that life business is very long term in nature — coverage for life assurance or a pension can cover risks over many By contrast, non-life insurance cover usually covers a shorter period, such as one
58、[美]卡特 [美]希普曼著，李珍译，《信守诺言——美国养老社会保险制度改革思路》中国劳动社会保障出版社，2003年1月版59、[美]约翰B?威廉姆森著，马胜杰，刘艳红，赵陵译， 《养老保险比较分析》，法律出版社，2002年版60、武川正吾，佐藤博树著，李黎明，张永春译，《企业保障与社会保障》， 中国劳动社会保障出版社，2003年版61、卡特琳?米尔丝著，郑秉文译，《社会保障经济学》，法律出版社，2003年版62、国际劳工局著，《社会保障”新共识》， 中国劳动社会保障出版社，2004年版63、达尔默?D?霍斯金斯著，侯宝琴译，《21世纪初的社会保障》， 中国劳动社会保障出版社，2004年版64、阿伦S?摩拉利达尔著，沈同华译，《养老基金管理创新》，上海财经大学出版社，2004年版65、大卫?桑普斯福特，泽弗里斯?桑纳托斯著，卢昌崇，王询译，《劳动经济学前沿问题》， 中国税务出版社，2000年版66、丹尼思?缪勒著，杨春学等译，《公共选择理论》，中国社会科学出版社，1999年版67、尼古拉斯?巴尔， 大卫?怀恩斯著，贺晓波，王艺译，《福利经济前沿问题》， 中国税务出版社，2000年版68、鲍德威，威迪逊著，邓力平主译，《公共部门经济学》，中国人民大学出版社，2000年版
Incentive contracts in the Chinese banking industry To comprehend the impact of incentive contracts it is important to be familiar with the institutional background of China’s banking industry, the place in which the incentive contracts that we are studying were designed and To this end we begin by focusing on two financial institutions in rural China, the Agricultural Bank of China(ABC)and the Rural Credit Cooperatives(RCC),covered by the survey The ABC is one of the four specialized state-owned banks in C5 It serves the financial needs of both urban and rural In contrast, RCCs exclusively target rural The main difference between the ABC and RCCs lies in the nature of ownership: the RCCs have a collective ownership status allowing them more flexibility in complying with central financial The RCCs were formerly under the supervision of the ABC, but attained the status of an independent financial institution in These two financial institutions currently dominate the formal financial system in rural CAs of the late 1990s,they accounted for nearly 80 percent of total rural deposits and loans(Brandt and Li,2003;Brandt et ,2005) The ABC has its headquarters in Beijing and has branch offices at locations corresponding to every administrative 6 In contrast, RCCs are local financial institutions with their headquarters–called the Federation of RCCs (xin yong lian she) –at the county In general, both the ABC and RCCs have established branches(henceforth referred to as bank branches)in each The locations of bank branches reflect the territorial structure of the governmental system, and the scope of business is designed to minimize overlapping and competition within the same Before the economic reforms started, China’s state-owned banks, just like other SOEs, were primarily subject to centralized management and economic The government provided no incentives to motivate bank managers or workers to exert effort; their pay was predetermined and thus independent of Since the early 1980s, however, China has sought to reform its banking So far, the government’s major reform involves the introduction of performance-based incentives for bank managers and workers; the managers are provided incentives, but the state has not relinquished ownership of the banks(Groves et ,1994)As a major reform initiative to improve the performance of state-owned banks, especially targeted at increasing deposits and reducing non-performing loans, the government initiated a bonus system for state-owned banks in the mid- Usually, the higher-level bank, a county bank in our case, signs a so-called responsibility contract individually with each township branch The contracts, normally signed on an annual basis, specify a formula tying the bank manager’s monetary rewards to 奖励的合同，在中国银行界 理解的影响，激励合同，这是重要的是要熟悉的体制背景下中国的银行界，发生在其中的激励合同，我们正在研究，设计并执行枪决。为此，我们首先着眼于两个金融机构在中国农村，中国农业银行（ ABC法）和农村信用社（碾压混凝土） ，统计调查所涵盖的数据。 美国广播公司就是其中的四个专门国有独资商业银行在中国5它的经济需要，城市和农村地区。在此相反，农村信用社专门的目标，农村的客户。之间的主要差别ABC和农村信用社，关键在性质所有权：农村信用社有一个集体所有权的地位，让他们更灵活地遵守中央的金融政策。该以前农村信用社的监督下的ABC ，但达到的地位，一个独立的金融机构在hese两个金融机构目前主宰正规金融体系在中国农村例如20世纪90年代末，他们占近80 ％的占农村总存款及贷款（勃兰特和李， 2003年;勃兰特等人， 2005年） 。 美国广播公司其总部设在北京，并已分支办事处的地点，相应的每个行政级别6此相反，农村信用社是地方金融机构与他们的总部所谓的联邦农村信用社（辛勇佘廉）在县一级。在一般，无论是ABC和农村信用社建立了党支部（此后被称为银行分行）在每一个乡镇。地点银行分行反映领土结构的政府系统，以及业务范围是设计，以尽量减少重叠和竞争，在同一机构。 前经济改革开始，中国的国有独资商业银行，就像其他国有企业，主要是受到集中管理和经济规划。政府没有提供诱因，激励银行经理或工人着力;他们的薪酬是既定的，因此独立的表现。自八十年代初期，但是，中国已要求改革其银行界。直至目前为止，政府的重大改革，涉及引入基于业绩的奖励措施，为银行管理人员和工人;基金经理所提供的诱因，但国家并没有放弃所有权的银行（林等人， 1994年） 。作为一个重大改革，主动改善的表现，国有独资商业银行，特别是有针对性的增加存款，减少不履约贷款，政府发起了花红制度，为国有独资商业银行在八十年代中期。通常情况下，更高水平的银行，一个县的银行在我们的情况下，标志一个所谓的责任，合同单独与每个乡镇分行经理。合同，通常签署了关于一年度的基础上，指定一个公式绑银行经理的货币奖励表现。
(美)康斯坦斯·M卢瑟亚特(ConstanceMLuthardt)等著,英勇,于小东总译校财产与责任保险原理[M] 北京大学出版社, 2003 (美)小哈罗德·斯凯博(HaroldDSkipper,Jr)等编著,荆涛等译国际风险与保险[M] 机械工业出版社, 1999 (美)所罗门·许布纳(SSHuebner)等著,陈欣等译财产和责任保险[M] 中国人民大学出版社, 2002 【英】Malcolm A Clarke 著、 何美欢、吴志攀等译：《保险合同法》，北京大学出版社 2002 年版。Ewan Mckendrick :“Contract Law”（影印本）,法律出版社 2003 年版。Michael H Whincup：“Contract Law and Practice—the EnglishSystem and Continental Comparisons” 中信出版社,2003 年版。John F Dobbyn : “Insurance Law”（影印本）,法律出版社 2001年版。John Lowry , Philip Rawlings : “Insurance Law :Doctrines andPrinciples” , Hart Publishing L (1999)Ray Hodgin :“Insurance Law :Text and Materials” (SecondEdition) Cavendish Publishing Limited (2002) Steven L Emanuel：“Contracts”，中信出版社 2003 年版。Melvin A Eisenberg:“Disclosure in Contract Law”，91 CaliforniaLaw Review （2003）Anthony T Kronman :“Mistake, Disclosure, Information, and theLaw of Contracts”,7(1) Journal of Legal Studies (1978)Fleming J :“Insurer’s breach of good faith——a newtort?”,(1992) 108 LQR 这些都是比较好的
[1]费友海 我国农业保险发展困境的深层根源——基于福利经济学角度的分析[J] 金融研究,2005,03:133- [2]宁满秀,邢郦,钟甫宁 影响农户购买农业保险决策因素的实证分析——以新疆玛纳斯河流域为例[J] 农业经济问题,2005,06:38-44+ [3]庹国柱,李军 我国农业保险试验的成就、矛盾及出路[J] 金融研究,2003,09:88- [4]赵莹 准公共物品定义下的农业保险供给[J] 财经科学,2004,04:94- [5]孙蓉,朱梁 世界各国农业保险发展模式的比较及启示[J] 财经科学,2004,05:108- [6]陈璐 农业保险产品定价的经济学分析及我国实证研究[J] 南开经济研究,2004,04:100- [7]庹国柱,朱俊生 关于农业保险立法几个重要问题的探讨[J] 中国农村经济,2007,02:55- [8]张跃华,史清华,顾海英 农业保险需求问题的一个理论研究及实证分析[J] 数量经济技术经济研究,2007,04:65-75+ [9]张跃华,施红 补贴、福利与政策性农业保险——基于福利经济学的一个深入探讨[J] 浙江大学学报(人文社会科学版),2007,06:138- [10]李勇杰 论农业保险中道德风险防范机制的构筑[J] 保险研究,2008,07:67-
保险代理人考试时发的培训书里或保险代理人员继续教育书本里面有你所要的全部资料，可以咨询一下任何一家保险公司，最好是人保财险购买，也可以找有书的朋友借，也可以到书店去买。有了这本书你绝对会满意。
“成功保险网”有免费的培训基地，解决保险新手在营销过程中遇到的各种问题，希望能帮到您！
您是要写论文还是学术报告，我是保险专业毕业的，这方面可以帮到你
可以尝试去看看促销策划方面的书，以及那个市场营销关于保险方面的书，因为我学的是保险，专业又是营销与策划，所以对这方面的有一点了解，助理营销师有两本书，都或多或少和保险挂钩了。
我始终在想人为何要工作？为了生活！每个人都想拥有一生幸福快乐的生活。可完美的生活是不存在的，因为变故一定会有，人一定会老，肯定会死，有可能会生病，也许会遭遇意外，如何使生活尽可能的不受生老病死残这些因素影响呢？我想保险就是为此而诞生的吧。保险的意义,保险就是无论人处在何种状态，都能使幸福的生活继续。一个人离去，带不走任何物质性的东西，带走的是他赚钱的能力。若一个老人轻轻离去，人们称之为仙逝，活着的人会为之悲伤，可生活仍会继续。若老人拥有一份保险，就会为后代留下一笔免税的遗产，他的后代会感激他，称之为一个有爱心的老人。一个家庭人士若不幸离去，他的家人就不仅仅是悲伤，更是失去了经济生活来源。若拥有一份保险，就是无论自己如何，家人都会生活无忧。这不是一般的爱心。在日本，女孩不回嫁给一个没有保险的男人，就是此道理。人一定会老，无论是谁。可没有人愿意一直工作到老，于是国家规定了退休。工作能退休，可生活要继续，每人愿意退休前后的生活冰火两重天，相差甚远，于是就有养老规划。存银行，买股票，买基金，买国债，炒外汇，买保险都是养老规划的方式，也符合投资原理。其中保险是最稳健的方式，且越早准备，成本越低。扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"
保险法是约束，规范保险人和投保人的一种标准法律，它的存在可以更好的维护双方的利益关系。这其中重要的原则就是诚信，所谓诚信就是诚实、守信，是保险的生命线。保险法中的这种最大诚信原则，实际上就是保险合同双方当事人在订立及履行保险合同的过程中，必须以最大的诚信全面而完整地履行自己应尽的义务，互不欺和隐瞒有关保险标的的重要情况，严格遵守保险合同的约定和承诺。《中华人民共和国保险法》第5条规定：“保险活动当事人行使权利，履行义务应当遵循诚实信用原则。之所以这样强调诚信原则，因为保险合同具有很强的特殊性。第一，保险合同是射幸合同，具有不确定性。第二，保险合同与一般合同相比具有明显的信息不对称性。第三，保险的行业特性是资金流动性强。保险合同是最大诚信合同，保险合同当事人具有说明告知义务。例如，2000年4月，某公司40岁的王某因患胃癌（亲属因害怕其情绪波动，未将真实病情告诉本人）住院治疗，手术后出院，并正常参加工作。8月24日，王某经同事推荐，与之一同到保险公司投保了人寿险。王某在填写投保单时并没有申报身患癌症的事实，也没有对最近是否住过院及做过手术进行如实说明。2001年7月，王某病情加重，经医治无效死亡。王某的妻子以指定受益人的身份，到保险公司请求给付保险金。保险公司在审查提交有关的证明时，发现王某的死亡病史上，载明其曾患癌症并动过手术，于是拒绝给付保险金。王妻以丈夫不知自己患何种病并未违反告知义务为由抗辩，双方因此发生纠纷。被保险人投保之前患有严重疾病并接受过住院及手术治疗，但因家属和医师的善意隐瞒，被保险人并不清楚自己患有何种疾病，导致在投保时未予告知。仔细推敲这种特殊情况，保险人是有正当理由拒绝赔偿的。因为根据保险法的一般理论，告知义务要求告知内容是对事实的陈述，而非准确地阐明观点。它并不苛刻地要求投保人的告知完全准确无误，只要在投保人认知范围内他尽量大可能地履行了这项义务即可。被保险人在投保时不清楚自己究竟患何种疾病。就是说，在被保险人的确不清楚自己到底患何种病的情况下，倘若他对病情做了感知性陈述，尽管这种陈述不一定与事实相符（如患有胃癌，家属等善意地告诉他得的是胃病，他申请患过胃病）他在义务履行上是绝对无瑕疵的，但是如果他隐瞒或虚假陈述了就医或治疗等方面的事实，则犯有未适当告知重要事实的过错，应当承担违反告知义务的不利后果。保险诚信是威胁保险业生存乃至政府诚信和社会诚信的重要因素，诚信原则是保险经营的重要原则，保险诚信首先要求保险人做到最大诚信，最大诚信是保险人的道德准则；同样诚信也是投保人和被保险人的基本法律准则和行事规范。要建立保险当事方的互信机制，促成良性互动。从我国保险业经营的现状来看，众多现实让人觉得保险诚信不容乐观，如被保险人不如实告知或赔，保险人在经营与理赔方面的不诚信等行为，在一定程度上影响了我国保险业健康发展。在我国部分保险企业和员工的保险诚信问题严重影响了保险业的形象和健康发展。可以说，影响保险业的发展和壮大，重要的不是保险产品的创新，而是保险的不诚信。在老百姓的心目中，现在保险行业的信誉度很差，有些人甚至将保险营销和传销等同起来，如果不提升保险业的诚信，整个行业的生存根基将会受到摧蚀，保险本身将不复存在。诚信也不是绝对的，只要双方尽自己最大的努力，对的起自己，也对的起他人，为了社会，不再自私，其实很简单做到的。因此，建立保险各方当事人的互信机制，促进双方的良性互动显得格外重要。加大保险公司信息披露力度，早日消除保险供求双方信息不对称的矛盾，让保险相关信息在参与保险的各方间对称地进行传播，揭开保险神秘的面纱，让他真实地走进平常百姓家。扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"