东财《保险学概论》在线作业一(Easternmoneyinsurancestudiesonlinehomework)

东财《保险学概论》在线作业一（Easternmoneyinsurancestudiesonlinehomework）Easternmoney"insurancestudies"onlinehomeworkTotalscore:100testtime:-MultipletopicsFirst,radioquestions(15questions,60points)V1.()isariskcontrolmethodthattakestheinitiativetoabandonorchangetheactivitywhenconsideringtheriskofanactivity.A.RiskManagementB.riskretentionC.riskavoidanceD.risktransferThecorrectanswer:Cfullmarks:4points2.,anofferbyaninsurancecontractreferstotheintentionofonepartytomakeacontractfortheotherparty,andtheofferPartyoftheinsurancecontractusuallyis().A.policyholdersB.insurerC.insuredD.beneficiaryThecorrectanswer:Afullmarks:4points3.thetitleof"fatherofmoderninsurance"is().A.LloydEdward.B.NicholasC.deMansfieldD.HalleyThecorrectanswer:Bfullmarks:4points4.risksconstitutethebasisforpremiumrates.A.objectivityB.contingencyC.testabilityD.developmentThecorrectanswer:Cfullmarks:4points5.,theinsurancelawstipulatesthattheinsurermustbeestablishedaccordingtolaw.A.personalinsuranceorganizationB.insurancecooperationorganizationC.insurancecompanyD.InsuranceIndustryAssociationThecorrectanswer:Cfullmarks:4points6.generaltermsofthecontractofinsurancecontractbytheinsurerinsuredcanonlybefullypreparedinadvancetoacceptorrefusetonegotiateandnotindividualterms.Thismeansthattheinsurancecontractis().A.contractofadhesionB.negotiationcontractC.bilateralcontractD.paidcontractThecorrectanswer:Afullmarks:4points7.afactorthatcausesorincreaseslossopportunitiesduetopersonaldishonesty,dishonesty,orbadintentionsis().A.moralhazardfactorsB.adverseselectionriskfactorsSubstanceC.riskfactorsD.psychologicalriskfactorsThecorrectanswer:Afullmarks:4points8.,theinsurancelawofourcountryisa().A.CommercialInsuranceActB.SocialInsuranceActC.Thecorrectanswer:Afullmarks:4points9.()isthenaturalfoundationofinsuranceproductionanddevelopment.A.commodityeconomyB.emergenceofsurplusproductsC.objectiveriskD.thereisanincreaseinpeople'sawarenessofinsuranceThecorrectanswer:Cfullmarks:4points10.()isthemostcriticalpartoftheriskmanagementprocess.A.riskidentificationB.riskmeasurementC.riskmanagementtechnologyoptionsD.riskmanagementeffectivenessevaluationThecorrectanswer:Cfullmarks:4points11.whichofthefollowingisaneconomicdefinitionofinsurance?.A.insuranceisonecontractthatthepartyagreestocompensatetheotherpartyforthelossB.insuranceisthefinancingoftheredistributionofunexpectedlossesC.insuranceisameansofeffectivelytransferringrisksandensuringsocialstabilityD.norisk,noinsuranceThecorrectanswer:Bfullmarks:4points12.theinsuredisthesamepersonastheinsured.A.canB.notThecorrectanswer:Afullmarks:4points13.,thepossibleriskofinvestinginthestockmarketis().A.pureriskB.speculativeriskC.unexpectedriskD.naturalriskThecorrectanswer:Bfullmarks:4points14.lossis().A.unexpectedeventsB.RiskthatisnoteasilymeasuredbeforeaneventoccursC.anunpredictablereductionineconomicvalueD.doesnotincludethingsthathavebeenlostbeforeThecorrectanswer:Cfullmarks:4points15.,theinsurancecontractstipulatesthattheinsurerisnotliableforcompensationorpaymentofthespecificconditionsandscopeofthetermsis().A.insuranceliabilityB.exclusionC.subjectmatterofinsuranceD.insuranceamountThecorrectanswer:Bfullmarks:4pointsEasternmoney"insurancestudies"onlinehomeworkTotalscore:100testtime:-MultipletopicsTwo,(atotalof10multiple-choicequestions,atotalof40points.)V1.thefollowingmethodofriskavoidanceis().A.afraidoffalling,notbyplaneB.buyinginsuranceC.isverycarefulinhisactivitiesD.avoidexplosion,notengagedindangerousgoodsproductionThecorrectanswer:ADfullmarks:4points2.thefollowingmeasuresarerisktransfers.A.buyinginsuranceB.willsellriskypropertyforrentC.signedadisclaimerD.hedgingThecorrectanswer:ABCDfullmarks:4points3.whichofthefollowingcircumstancesisinvalidintheinsurancecontract?.A.theinsurerhasnotexplainedthetermsoftheexemptiontotheapplicantB.theinsurerdidnotexplainallthetermstotheapplicantC.theamountinsuredexceedstheinsuredvalueD.theamountinsuredislessthantheinsuredvalueThecorrectanswer:ACfullmarks:4points4.,thescientificdecision-makingprocessofriskmanagementincludes().A.riskidentificationB.riskmeasurementC.riskassessmentD.riskmanagementThecorrectanswer:ABCfullmarks:4points5.thefunctionsofinsuranceinclude.A.compensationfunctionB.financingfunctionC.socialmanagementfunctionD.taxavoidancefunctionThecorrectanswer:ABCfullmarks: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.hostsaredifferentC.ratesvaryD.theinsuranceamountisnotusedThecorrectanswer:ABCDfullmarks:4points10.,theconclusionofaninsurancecontractmustgothrough(the)and()twostages.A.offerB.offerinvitationC.commitmentD.applicationThecorrectanswer:ACfullmarks:4points