这一章首先评析了现有的三种总保费精算方法，指出存在的不足。
First, it analyzes the three methods of calculating gross premium that are used nowadays, and shows their shortage.
这一章首先回顾了国外学者对反向利润来源的分解：反应过度并不是唯一来源，股票对共同因素的迟滞反应亦是来源之一。
Usually, the contrarian profits are decomposed into two parts: one is induced by over-reaction and the other is induced by delayed reaction to common factors.
这一章首先分析了金融集团的三种主流模式：全能银行模式、金融控股公司模式、银行母公司模式，分析了各种模式的组织结构。
This part analyzes three kinds of the mode of the financial group: the universal banking model, the financial holding company model, bank parent model and institutional structure of different modes.
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