保險基礎(chǔ)知識題庫章節(jié)練習(xí)題及答案

1、promotionofemploymentfmareasonablederlypatternofincomedistributionbuildamefairsustainablesocialsecuritysystemsmedicalhealthsystemrefm.Theplenaryinnovationofsocialgovernancemustfocusonthemaintenanceoffundamentalinterestso

2、ftheoverwhelmingmajityofthepeoplemaximizefactsenhancesocialdevelopmentimprovingsocialgovernancetheinterestsofnationalsecurityensurethatthepeoplelivewksocialstabilityder.Toimprovesocialgovernancestimulatingsocialganizatio

3、ninnovativeeffectivesystemofpreventingresolvingsocialconflictsimprovingthepublicsecuritysystemsetuptheNationalSecurityCouncilnationalsecuritysystemsnationalsecuritystrategytoensurenationalsecurity.Plenarysessiontheconstr

4、uctionofecologicalcivilizationyoumustestablishsystemsofecologicalsystemusingthesystemtoprotecttheecologicalenvironment.Toimprovenaturalresourcesassetpropertyrightsystemusecontrolredlineofdelimitationofecologicalprotectio

5、nresourcespaidusesystemecologicalcompensationsysteminecologicalenvironmentprotectionmanagementsystemrefm.Plenarysessioncenteringonbuildingalisteningpartycommcanwinhavingafinestyleofthepeoplesarmyastrongarmyunderthenewsit

6、uationofthepartyGoalsrestrictingthedevelopmentofnationaldefensearmybuildingissolvedoutstingcontradictionsproblemsinnovationdevelopmentofmilitarytheyenhancemilitarystrategicguidanceimprovethemilitarystrategyinthenewperiod

7、buildingamodernmilitaryfcesystemwithChineseacteristics.Todeepentheadjustmentofpersonnelsystemrefminthearmymilitarypolicysystemrefmpromotethedevelopmentofmilitarycivilianintegrationdepth.Plenarysessionstressedthatcomprehe

8、nsiverefmmustbetostrengthenimprovethepartysleadershipgivefullplaytotheceroleofthepartycommstheoverallsituationcodinatingallpartiesimprovingthepartysleadingwater...Margin.ChallengedtheleadershipoftheCommunistPartyofChinaM

9、arxismLeninismMaoZedongthoughtbyDengXiaopingsflagreplacedbythreerepresentativestheharmonicsociety.ThefmerCommunistPartyspiritsocialcohesionpointofalmostallpoliticalmakeover.acteristicsofsocialismpublicownershipisshifting

10、toprivateownershipplannedregulationmarketregulationtheproletarianregimecontrolledbytheelite.Ofuniversalequalityfairnessbasicprinciplesofdistributionsystemissocialistsocietyhoweveraftereconomicmonopolizedbypowerfulvestedi

11、nterestsgrowemployersdonothavethesamestatushardlyseemsfairsocialdistribution.StatekeyprotectionofcapitalinterestsratherthantheinterestsofcitizenshadbeenhitsthebottomoftheproletariatObviouslyfaceChinasSocialistsystemtheCo

12、mmunistPartyisnottheparty.Inthatcasepoliticalchaoshasbeenverytight.Isremodelingreconstructionisacrectionastove.Whethertoturnrightleftisbacktothesourceputfwardnewpoliticalideas.ThisistodeterminetheroadproblemsinChinaisals

13、othekeyoutofthedeepwateroftherefmoftheeconomicsystem.After18thenewCentralcollectiveleadershipattachesgreatimptancetopoliticalientation.Firstthe“Centraleightarticles“asastartingpointstartingfromtheCentralGovernmentsselfre

14、straintwhichpreachesproimagebroughtfreshfeelingtothecommunity.Secondlybeferefmopeninguprefmopeningtwoperiodsafternonnegativeuntyingthetangleofthesocietyalongtimeonthisissue.Thirdanewgenerationofpartyleadersonvariousoccas

15、ionstoMaoZeDongMaoZeDongsthoughtofevaluationhasroomfmanoeuvrethroughtotherulingideologyofMaoZedongthoughtisthecallofthesoultotheSocialistRevolutionconstruction.Emptytalksjeopardizenationalintereststryagainisanaffirmation

16、ofDengXiaopingsrefmideas.ThesestrongpoliticalsignalshowinganewgenerationofpoliticalleadersisstillkeepingtotheSocialistroad.Fourisrevisitingthe“talkingtoMaoZeDongshisticalcycleof“highprofileanticruptiontheimptanceoftheCon

17、stitutionreganizationisbadstyleofofficialdomwastocivilizepeopleobeythelawwhileimprovingthecolchangeoftheregimeofvigilance.Fiveistorefmintodeeperwatersstressedthattopleveldesignthisisareviewontherefmopeningupinthepastisal

18、solookingfawayout.SixfeignRussiaclosertheflexibleattitudeontheissueoftheKeanpeninsulaSinoJapanesefishinghardlineChinaontheisloutofthe“patient“l(fā)owprofileshadowbegantograduallyplandevelopment.Signsshowthatthenewleadershipb

19、egantomakealeftturninpolitics.Howeverasofrightnownotonlyideologicalconfusioninthecommunitythenewleadershipsthinkingismessy.NewleadersbothstressedtheneedtoimplementtheConstitutionstressedtheneedtoturnoffthepowerinacage.Al

20、sostressesthatMaoZedongthoughtcannotbelost30yearsaftertherefmopeningup30yearsagocannotdenyeachother.Bothadvocatedemocracyrelease“sevendoesnotspeakof“filesofpoliticalconstraints.NeitherdenythehistyoftheCPCCentralCommittee

21、onseveralissues...Comrades:todaybringstogethermembersmainlyindertoprovideaplatfmtoExchangelearnfromeachotherindertofacilitateourwk.Justnowwefocusontaxationplanningstabilitysafetyprojectconstructiontypicaltopicssuchaspriv

22、atefactspresentationinteractiontownscurrentlyexistintheindepthanalysisoftheproblemstobesolvedtoexplenewmethodstosolvetheproblem.Itcanbesaidthatsumminguptheachievementnogrstinganalysis第一章第一章風(fēng)險與風(fēng)險管理風(fēng)險與風(fēng)險管理1、從廣義上講風(fēng)險是指（C）。A、

23、損失的不確定性B、盈利的不確定性C、既包括損失的不確定性，也包括盈利的不確定性D、損失的可能性2、風(fēng)險由（A）三個要素所構(gòu)成。A、風(fēng)險因素、風(fēng)險事故、損失B、風(fēng)險單位、風(fēng)險事故、損失C、風(fēng)險因素、風(fēng)險責(zé)任、損失D、風(fēng)險因素、風(fēng)險事故、責(zé)任3、一個人的身體狀況屬于（B）。A、無形風(fēng)險因素B、有形風(fēng)險因素C、道德風(fēng)險因素D、心理風(fēng)險因素4、由于人們不誠實(shí)、不正直或有不軌企圖，故意促使風(fēng)險事故發(fā)生，以致引起財產(chǎn)損失和人身傷亡的因素是指（C）。

24、A、無形風(fēng)險因素B、有形風(fēng)險因素C、道德風(fēng)險因素D、心理風(fēng)險因素5、風(fēng)險因素是風(fēng)險事故發(fā)生的（），是造成損失的（）。（D）A、間接原因外部原因B、直接原因間接原因C、外部原因內(nèi)部原因D、潛在原因間接原因6、損失的直接的或外在的原因是（B）。A、風(fēng)險因素B、風(fēng)險事故C、風(fēng)險單位D、風(fēng)險責(zé)任7、某日天下冰雹使得路滑而發(fā)生車禍，造成人員傷亡。此事件的風(fēng)險因素是（A）。A、冰雹B、路滑C、車禍D、人員傷亡8、空氣污染屬于（D）。A、社會風(fēng)險B、

25、政治風(fēng)險C、經(jīng)濟(jì)風(fēng)險D、技術(shù)風(fēng)險9、盜竊屬于（A）。A、社會風(fēng)險B、政治風(fēng)險C、經(jīng)濟(jì)風(fēng)險D、技術(shù)風(fēng)險10、依據(jù)風(fēng)險性質(zhì)分類，風(fēng)險可分為（D）。A、靜態(tài)風(fēng)險與動態(tài)風(fēng)險B、基本風(fēng)險與特定風(fēng)險C、責(zé)任風(fēng)險與信用風(fēng)險D、純粹風(fēng)險與投機(jī)風(fēng)險11、（A）是指在社會經(jīng)濟(jì)正常的情況下，由自然力的不規(guī)則變化或人們的過失行為所致?lián)p失或損害的風(fēng)險。A、靜態(tài)風(fēng)險B、動態(tài)風(fēng)險C、基本風(fēng)險D、特定風(fēng)險12、只有損失機(jī)會而無獲利可能的風(fēng)險是（B）。A、投機(jī)風(fēng)險B、純

26、粹風(fēng)險C、社會風(fēng)險D、政治風(fēng)險13、風(fēng)險管理的基本目標(biāo)是（C）。A、以最小的成本獲得最小的安全保障B、以最大的成本獲得最大的安全保障C、以最小的成本獲得最大的安全保障D、以最大的成本獲得最小的安全保障14、風(fēng)險管理開始進(jìn)入到了“國際化階段”，是在（B）。A、1960年B、20世紀(jì)70年代中期C、20世紀(jì)90年代D、21世紀(jì)15、風(fēng)險管理的第一步是（A）。A、風(fēng)險識別B、風(fēng)險評價C、選擇風(fēng)險管理技術(shù)D評估風(fēng)險管理效果16、風(fēng)險管理的基本程

27、序正確的是（A）。A、風(fēng)險識別—風(fēng)險估測—風(fēng)險評價—選擇風(fēng)險管理技術(shù)—評估風(fēng)險管理效果B、風(fēng)險識別—風(fēng)險評價—風(fēng)險估測—選擇風(fēng)險管理技術(shù)—評估風(fēng)險管理效果C、風(fēng)險評價—風(fēng)險識別—風(fēng)險估測—選擇風(fēng)險管理技術(shù)—評估風(fēng)險管理效果promotionofemploymentfmareasonablederlypatternofincomedistributionbuildamefairsustainablesocialsecuritysystem

28、smedicalhealthsystemrefm.Theplenaryinnovationofsocialgovernancemustfocusonthemaintenanceoffundamentalinterestsoftheoverwhelmingmajityofthepeoplemaximizefactsenhancesocialdevelopmentimprovingsocialgovernancetheinterestsof

29、nationalsecurityensurethatthepeoplelivewksocialstabilityder.ToimprovesocialgovernancestimulatingsocialganizationinnovativeeffectivesystemofpreventingresolvingsocialconflictsimprovingthepublicsecuritysystemsetuptheNationa

30、lSecurityCouncilnationalsecuritysystemsnationalsecuritystrategytoensurenationalsecurity.Plenarysessiontheconstructionofecologicalcivilizationyoumustestablishsystemsofecologicalsystemusingthesystemtoprotecttheecologicalen

31、vironment.Toimprovenaturalresourcesassetpropertyrightsystemusecontrolredlineofdelimitationofecologicalprotectionresourcespaidusesystemecologicalcompensationsysteminecologicalenvironmentprotectionmanagementsystemrefm.Plen

32、arysessioncenteringonbuildingalisteningpartycommcanwinhavingafinestyleofthepeoplesarmyastrongarmyunderthenewsituationofthepartyGoalsrestrictingthedevelopmentofnationaldefensearmybuildingissolvedoutstingcontradictionsprob

33、lemsinnovationdevelopmentofmilitarytheyenhancemilitarystrategicguidanceimprovethemilitarystrategyinthenewperiodbuildingamodernmilitaryfcesystemwithChineseacteristics.Todeepentheadjustmentofpersonnelsystemrefminthearmymil

34、itarypolicysystemrefmpromotethedevelopmentofmilitarycivilianintegrationdepth.Plenarysessionstressedthatcomprehensiverefmmustbetostrengthenimprovethepartysleadershipgivefullplaytotheceroleofthepartycommstheoverallsituatio

35、ncodinatingallpartiesimprovingthepartysleadingwater...Margin.ChallengedtheleadershipoftheCommunistPartyofChinaMarxismLeninismMaoZedongthoughtbyDengXiaopingsflagreplacedbythreerepresentativestheharmonicsociety.ThefmerComm

36、unistPartyspiritsocialcohesionpointofalmostallpoliticalmakeover.acteristicsofsocialismpublicownershipisshiftingtoprivateownershipplannedregulationmarketregulationtheproletarianregimecontrolledbytheelite.Ofuniversalequali

37、tyfairnessbasicprinciplesofdistributionsystemissocialistsocietyhoweveraftereconomicmonopolizedbypowerfulvestedinterestsgrowemployersdonothavethesamestatushardlyseemsfairsocialdistribution.Statekeyprotectionofcapitalinter

38、estsratherthantheinterestsofcitizenshadbeenhitsthebottomoftheproletariatObviouslyfaceChinasSocialistsystemtheCommunistPartyisnottheparty.Inthatcasepoliticalchaoshasbeenverytight.Isremodelingreconstructionisacrectionastov

39、e.Whethertoturnrightleftisbacktothesourceputfwardnewpoliticalideas.ThisistodeterminetheroadproblemsinChinaisalsothekeyoutofthedeepwateroftherefmoftheeconomicsystem.After18thenewCentralcollectiveleadershipattachesgreatimp

40、tancetopoliticalientation.Firstthe“Centraleightarticles“asastartingpointstartingfromtheCentralGovernmentsselfrestraintwhichpreachesproimagebroughtfreshfeelingtothecommunity.Secondlybeferefmopeninguprefmopeningtwoperiodsa

41、fternonnegativeuntyingthetangleofthesocietyalongtimeonthisissue.ThirdanewgenerationofpartyleadersonvariousoccasionstoMaoZeDongMaoZeDongsthoughtofevaluationhasroomfmanoeuvrethroughtotherulingideologyofMaoZedongthoughtisth

42、ecallofthesoultotheSocialistRevolutionconstruction.EmptytalksjeopardizenationalintereststryagainisanaffirmationofDengXiaopingsrefmideas.Thesestrongpoliticalsignalshowinganewgenerationofpoliticalleadersisstillkeepingtothe

43、Socialistroad.Fourisrevisitingthe“talkingtoMaoZeDongshisticalcycleof“highprofileanticruptiontheimptanceoftheConstitutionreganizationisbadstyleofofficialdomwastocivilizepeopleobeythelawwhileimprovingthecolchangeoftheregim

44、eofvigilance.Fiveistorefmintodeeperwatersstressedthattopleveldesignthisisareviewontherefmopeningupinthepastisalsolookingfawayout.SixfeignRussiaclosertheflexibleattitudeontheissueoftheKeanpeninsulaSinoJapanesefishinghardl

45、ineChinaontheisloutofthe“patient“l(fā)owprofileshadowbegantograduallyplandevelopment.Signsshowthatthenewleadershipbegantomakealeftturninpolitics.Howeverasofrightnownotonlyideologicalconfusioninthecommunitythenewleadershipsth

46、inkingismessy.NewleadersbothstressedtheneedtoimplementtheConstitutionstressedtheneedtoturnoffthepowerinacage.AlsostressesthatMaoZedongthoughtcannotbelost30yearsaftertherefmopeningup30yearsagocannotdenyeachother.Bothadvoc

47、atedemocracyrelease“sevendoesnotspeakof“filesofpoliticalconstraints.NeitherdenythehistyoftheCPCCentralCommitteeonseveralissues...Comrades:todaybringstogethermembersmainlyindertoprovideaplatfmtoExchangelearnfromeachotheri

48、ndertofacilitateourwk.Justnowwefocusontaxationplanningstabilitysafetyprojectconstructiontypicaltopicssuchasprivatefactspresentationinteractiontownscurrentlyexistintheindepthanalysisoftheproblemstobesolvedtoexplenewmethod

49、stosolvetheproblem.Itcanbesaidthatsumminguptheachievementnogrstinganalysis3A、保險是一種風(fēng)險管理的辦法B、保險是一種財務(wù)安排C、保險是一種商業(yè)行為D、保險是一種經(jīng)濟(jì)保障形式2、有甲、乙兩家保險公司共同承保某客戶的財產(chǎn)，并由甲出面與客戶簽訂合計(jì)為1000萬元保險金額的保單（其中甲、乙分別承保500萬元），則該保險為（A）。A、共同保險B、重復(fù)保險C、再保險D、原保

50、險3、從風(fēng)險管理角度看，保險是一種（A）的機(jī)制。A、風(fēng)險轉(zhuǎn)移B、有效的財務(wù)安排C、合同管理D、分散風(fēng)險、補(bǔ)償損失4、從經(jīng)濟(jì)的角度看，保險是分?jǐn)傄馔馐鹿蕮p失和提供經(jīng)濟(jì)保障的一種非常有效的（B）。A、風(fēng)險轉(zhuǎn)移B、財務(wù)安排C、合同管理D、分散風(fēng)險、補(bǔ)償損失5、同質(zhì)風(fēng)險的集合體是保險風(fēng)險集合與分散的前提條件之一。同質(zhì)風(fēng)險的含義（D）。A、風(fēng)險單位在種類、品質(zhì)、性能等方面大體相近，但價值差異較大B、風(fēng)險單位在種類、品質(zhì)、價值等方面大體相近，但性能

51、差異較大C、風(fēng)險單位在性能、品質(zhì)、價值等方面大體相近，但種類差異較大D、風(fēng)險單位在種類、性能、品質(zhì)、價值等方面大體相近6、保險費(fèi)率厘定的公平性原則的含義是指（D）。A、各個保險人賺取的利潤要盡量一致B、各個保險人收取的保險費(fèi)要盡量一致C、各個被保險人承擔(dān)的保險費(fèi)要盡量一致D、被保險人的風(fēng)險狀況與其承擔(dān)的保險費(fèi)要盡量一致7、保險費(fèi)率厘定的合理性原則的含義是指（A）。A、某險種的平均費(fèi)率在抵補(bǔ)賠付或給付后不可有過高的利潤B、各個保險人收取的

52、保險費(fèi)要盡量一致C、各個被保險人收取的保險費(fèi)要平均D、各保險人收取的保費(fèi)不能平均8、商業(yè)保險的運(yùn)行須具備一定的基本條件，這些條件即為商業(yè)保險的要素。商業(yè)保險的要素之一是（A）。A、可保風(fēng)險的存在B、可保損失的存在C、投機(jī)風(fēng)險的存在D、遭受重大損失的必然性的存在9、保險公司持有銀行的次級債，說明保險具有（B）。A、社會保障功能B、資金融通功能C、社會管理功能D、補(bǔ)償功能10、保險費(fèi)率制定的彈性原則要求保險費(fèi)在（A）內(nèi)可作適當(dāng)?shù)恼{(diào)整。A、長