東財《保險學(xué)概論》在線作業(yè)一(Easternmoneyinsurancestudiesonlinehomework)

1、東財保險學(xué)概論在線作業(yè)一（Easternmoneyinsurancestudiesonlinehomework）EasternmoneyinsurancestudiesonlinehomeworkTotalscore:100testtime:-MultipletopicsFirst,radioquestions(15questions,60points)V1.()isariskcontrolmethodthattakestheinitiativetoabandonorchangetheactivitywhenconsideringtheriskofanactivity.A.RiskManage

2、mentB.riskretentionC.riskavoidanceD.risktransferThecorrectanswer:Cfullmarks:4points2.,anofferbyaninsurancecontractreferstotheintentionofonepartytomakeacontractfortheotherparty,andtheofferPartyoftheinsurancecontractusuallyis().A.policyholdersB.insurerC.insuredD.beneficiaryThecorrectanswer:Afullmarks:

3、4points3.thetitleoffatherofmoderninsuranceis().A.LloydEdward.B.NicholasC.deMansfieldD.HalleyThecorrectanswer:Bfullmarks:4points4.risksconstitutethebasisforpremiumrates.A.objectivityB.contingencyC.testabilityD.developmentThecorrectanswer:Cfullmarks:4points5.,theinsurancelawstipulatesthattheinsurermus

4、tbeestablishedaccordingtolaw.A.personalinsuranceorganizationB.insurancecooperationorganizationC.insurancecompanyD.InsuranceIndustryAssociationThecorrectanswer:Cfullmarks:4points6.generaltermsofthecontractofinsurancecontractbytheinsurerinsuredcanonlybefullypreparedinadvancetoacceptorrefusetonegotiate

5、andnotindividualterms.Thismeansthattheinsurancecontractis().A.contractofadhesionB.negotiationcontractC.bilateralcontractD.paidcontractThecorrectanswer:Afullmarks:4points7.afactorthatcausesorincreaseslossopportunitiesduetopersonaldishonesty,dishonesty,orbadintentionsis().A.moralhazardfactorsB.adverse

6、selectionriskfactorsSubstanceC.riskfactorsD.psychologicalriskfactorsThecorrectanswer:Afullmarks:4points8.,theinsurancelawofourcountryisa().A.CommercialInsuranceActB.SocialInsuranceActC.Thecorrectanswer:Afullmarks:4points9.()isthenaturalfoundationofinsuranceproductionanddevelopment.A.commodityeconomy

7、B.emergenceofsurplusproductsC.objectiveriskD.thereisanincreaseinpeoplesawarenessofinsuranceThecorrectanswer:Cfullmarks:4points10.()isthemostcriticalpartoftheriskA.riskidentificationB.riskmeasurementC.riskmanagementtechnologyoptionsD.riskmanagementeffectivenessevaluationThecorrectanswer:Cfullmarks:4p

8、oints11.whichofthefollowingisaneconomicdefinitionofinsurance?.A.insuranceisonecontractthatthepartyagreestocompensatetheotherpartyforthelossB.insuranceisthefinancingoftheredistributionofunexpectedlossesC.insuranceisameansofeffectivelytransferringrisksandensuringsocialstabilityD.norisk,noinsuranceThec

9、orrectanswer:Bfullmarks:4points12.theinsuredisthesamepersonastheinsured.A.canB.notThecorrectanswer:Afullmarks:4points13.,thepossibleriskofinvestinginthestockmarketis().A.pureriskB.speculativeriskC.unexpectedriskD.naturalriskThecorrectanswer:Bfullmarks:4points14.lossis().A.unexpectedeventsB.Riskthati

10、snoteasilymeasuredbeforeaneventoccursC.anunpredictablereductionineconomicvalueD.doesnotincludethingsthathavebeenlostbeforeThecorrectanswer:Cfullmarks:4points15.,theinsurancecontractstipulatesthattheinsurerisnotliableforcompensationorpaymentofthespecificconditionsandscopeofthetermsis().A.insurancelia

11、bilityB.exclusionC.subjectmatterofinsuranceD.insuranceamountThecorrectanswer:Bfullmarks:4pointsEasternmoneyinsurancestudiesonlinehomeworkTotalscore:100testtime:-MultipletopicsTwo,(atotalof10multiple-choicequestions,atotalof40points.)V1.thefollowingmethodofriskavoidanceis().A.afraidoffalling,notbypla

12、neB.buyinginsuranceC.isverycarefulinhisactivitiesD.avoidexplosion,notengagedindangerousgoodsproductionThecorrectanswer:ADfullmarks:4points2.thefollowingmeasuresarerisktransfers.A.buyinginsuranceB.willsellriskypropertyforrentC.signedadisclaimerD.hedgingThecorrectanswer:ABCDfullmarks:4points3.whichoft

13、hefollowingcircumstancesisinvalidintheinsurancecontract?.A.theinsurerhasnotexplainedthetermsoftheexemptiontotheapplicantB.theinsurerdidnotexplainallthetermstotheapplicantC.theamountinsuredexceedstheinsuredvalueD.theamountinsuredislessthantheinsuredvalueThecorrectanswer:ACfullmarks:4points4.,thescien

14、tificdecision-makingprocessofriskmanagementincludes().A.riskidentificationB.riskmeasurementC.riskassessmentD.riskmanagementThecorrectanswer:ABCfullmarks:4points5.thefunctionsofinsuranceinclude.A.compensationfunctionB.financingfunctionC.socialmanagementfunctionD.taxavoidancefunctionThecorrectanswer:A

15、BCfullmarks:4points6.requirementsfortheuseofinsurancefunds().A.liabilitiesB.fluidityC.securityD.profitabilityThecorrectanswer:BCDfullmarks:4points7.whatarethecharacteristicsofrisk?.A.objectivityB.contingencyC.testabilityD.developmentThecorrectanswer:ABCDfullmarks:4points8.,accordingtodifferentpositioning,riskmanagementobjectivescanbedividedinto().A.minimumgoalB.intermediategoalC.highestgoalD.long-termgoalsThecorrectanswer:ABCfullmarks:4points9.,thedifferencebetweencommercialinsuranceandsocialinsuranceis.A.implementationisdifferentB.ho