First, multiple choice questions
1. In several concepts related to risk, the reason or condition that promotes a specific risk accident, or increases its possibility, or expands its loss degree is called (). A, risk factor B, risk objective C, risk nature D and risk behavior
2. According to the risk theory, the characteristics of risk mainly include () and so on. A, uncertainty and objectivity b, certainty and subjectivity c, naturalness and particularity d, uncertainty and commodity.
3. According to the risk management theory, the object of risk management is (). A, risk b, product c, sales d, market
4. When an enterprise decides whether to adopt the retention or transfer mode for risk management, the factor that does not need to be considered is ().
A, the frequency of risk b, the size of risk loss c, the company's financial endurance d, the specific time of risk occurrence.
5. The main function of controllable risk management is ().
A. financial arrangements need to be made before the accident. B. After the accident, the economic difficulties caused by the appointment can be lifted.
C, can reduce the loss to a minimum after the accident d, can provide economic support for maintaining normal life, etc.
6. In insurance activities, the insured pays the insurance premium in exchange for ().
A, the insurer's right to provide economic guarantee B, the insurer's obligation to obtain economic guarantee.
C. Risk management methods provided by the insured D. Economic security services provided by the insured
7. From the perspective of insurance science, the basis for determining insurance rates and withdrawing insurance reserves is ().
A, national management requirements B, social average profit C, economic benefit accounting D, scientific mathematical calculation
8. The insurance that the state stipulates by laws, decrees or regulations that a specific object must be insured is called ().
A. Commercial insurance B. Voluntary insurance C. Statutory insurance D. General insurance
9. Within the validity period of the insurance, the scope of liability and insurance amount agreed in the insurance contract, and the basis for compensating the insured for losses is ().
A. actual loss b, insured value c, insured amount d, and subject matter insured
10. From the perspective of the germination of risk management and insurance, the country that first invented the basic principle of risk diversification was ().
A, British B, Italian C, Egyptian D, China
1 1. The agreement between the insurer and the applicant on insurance rights and obligations is ().
A, insurance amount b, insurance contract c, insurance period d, insurance value.
12. When the applicant and the insured are the same person, the parties to the insurance contract are ().
A, insurer, policyholder and beneficiary b, insurer, insured and beneficiary
C insurer, applicant and agent d insurer, applicant and insured
13. Compared with the legal effect of the insurance policy, the relationship between them is ().
A, the legal effect of the insurance certificate is less than the insurance policy. B the legal effect of the insurance certificate is less than or equal to that of the insurance policy.
C, the legal effect of the insurance certificate is greater than or equal to the legal effect of the insurance policy D, the legal effect of the insurance certificate is equal to the legal effect of the insurance policy.
14. The formal written evidence of the insurance contract between the applicant and the insurer is ().
A, approval B, insurance certificate C, temporary insurance policy D, insurance policy
15. Among the obligations of the insurer, the most basic contractual obligation of the insurer is ().
A, provide insurance consulting services; b, provide insurance investment services; c, provide insurance disaster prevention services; d, undertake compensation or pay insurance benefits.
16. Among the reasons for termination of an insurance contract, termination due to total loss of the subject matter insured means ().
A. Termination due to loss of non-insured subject matter caused by non-insurance accident B. Termination due to loss of non-insured subject matter caused by insurance accident
C. Termination due to loss of the insured subject matter caused by an insured accident D. Termination due to loss of the insured subject matter caused by a non-insured accident.
17. Disputes arising from the fuzziness of the insurance contract are not the insurer's fault, and its adverse consequences should be caused by ().
A, the insurer bears b, the insured bears c, the insured bears d, and the insurer and the insured bear d.
18. The basic content of the principle of utmost good faith generally refers to ().
A. notification, guarantee, waiver and reasonable estoppel
C. notification, honesty, waiver and defense.
19. An oral or written statement that requires the parties to seek truth from legal facts to the best of their knowledge before, during and during the effectiveness of the contract is called ().
A, guarantee B, inform C, explain D, and state
20. Insurable interest is the prerequisite for the establishment of an insurance contract. Some people want to insure the newly bought smuggled car with the insurance company, but the insurance company refuses to insure it. Then, the reason why the insurance company refuses to insure is that the insured's insurance interest in the subject matter insured is not ().
A, determined interests B, legal interests C, interests D, existing interests
2 1. In insurance practice, the principle of subrogation is applied to some contracts.
A liability insurance contract b term life insurance contract c annuity insurance contract d accident insurance contract
22. Entrustment is an important legal act and a compensation system. The type of insurance that the insured often conducts this kind of behavior is ().
A liability insurance b, fire insurance c, family property insurance d, marine insurance
23. The principle of proximate cause is a basic principle to judge the causal relationship between risk accidents and other insurance losses and determine the insurance liability. The proximate cause here refers to ().
A, the recent cause of loss B, the first cause of loss
C, the final cause of loss D, the most direct and effective cause of loss
24. For insurance sales personnel, the basic standard for obtaining qualified insurance is usually ().
First, the insurance demand is large, the ability to pay is strong, it meets the underwriting standards and is easy to approach.
B, get to know the sales staff, have the ability to pay, meet the underwriting standards, and be easy to approach.
C, have the desire to invest, have the ability to pay, meet the underwriting standards, and be easy to approach.
D, have a fixed occupation, have the ability to pay, meet the underwriting standards, and be easy to approach.
25. In the life insurance contract with the death of the insured as the payment condition, if the applicant signs on behalf of the insured, the result will be ().
A. Invalid insurance contract B. Termination of insurance contract C. Termination of insurance contract D. Insurance contract has specific effect.
26. The process that the insurer examines the application for insurance and makes a decision on whether or not to accept and how to accept it is called ().
A, insurance development B, insurance exhibition C, insurance decision D, insurance underwriting
27. One of the sources of insurance underwriting information is ().
A. Information obtained from actual investigation B. Business correspondence of the applicant C. Insurance policy D. Insurance certificate issued by the insurer.
28. The insurer's behavior of handling the claim made by the insured after the risk accident of the subject matter insured is called ().
A, insurance claim b, insurance loss c, insurance underwriting d, insurance compensation
29. In the life insurance company's business operation, after the insurance accident, the process that the insurer accepts the customer's report and claims application is called ().
A, report B, claim C and claim D, and accept the case.
30. At the contact stage with existing customers and potential customers, the insurer provides products information, quality assurance, performance of contractual obligations, customer preservation, dispute resolution and other services to customers. Through the smooth and effective service channels, and according to the special needs of customers and special attention to customers to provide additional services. It is called ().
A. Insurance customer service B. Insurance sales service C. Insurance dispute settlement D. Insurance after-sales service
3 1. According to China's Insurance Law, the property insurance business includes ().
A. Property loss insurance, liability insurance, accident insurance and health insurance
B, property loss insurance, guarantee insurance, accident insurance
C. Property loss insurance, liability insurance and credit insurance
D. Property loss insurance, liability insurance and health insurance
32. According to the provisions of the basic insurance clauses of enterprise property, the fire liability is () and so on.
A, burning contaminated clothes for epidemic prevention; B, high temperature causes the finished fabric of the enterprise to burn and deteriorate.
C, the use of electrical appliances is too long, leading to self-heating and fire, leading to self-damage.
E, an electrical appliance has been used for too long, which leads to its own heat and fire, causing damage to raw materials of the enterprise.
33. According to the regulations of our country's property insurance, the responsibilities of family property insurance include (), etc.
First, the insurance property is stored indoors, and there are obvious signs of being stolen or robbed due to external reasons.
B. Loss from theft of the insured property when the storage place is left unattended for more than seven days.
C. Losses caused by shoplifting by outsiders D. Losses caused by theft of the insured's family's insurance property.
34. In our country, the underwriting method of old motor vehicle insurance is ().
A, fixed insurance b, replacement value insurance c, fixed value insurance d, fixed value insurance.
35. Because the goods change hands frequently in the process of transportation, the period of insurable interest in cargo transportation insurance has certain particularity, namely ().
1. Only the applicant is required to have insurable interests when applying for insurance; B, only the insured is required to have insurable interests at the time of insurance.
C insurable interest is not required during the whole insurance period. D insurable interest must be required during the whole insurance period.
36. The comprehensive coverage of domestic transport cargo insurance includes (), etc.
A. losses caused by poor packaging B. defects or natural losses of the insured goods themselves.
C. Losses caused by package damage caused by collision D. Losses caused by the fault of the insured.
37. The subject matter of liability insurance shall be borne by the insured under the liability insurance contract according to law ().
A. Liability for damages caused by fault B. Liability for administrative tort C. Liability for criminal tort D. Liability for civil damages
38. Generally speaking, the underwriting basis of professional liability insurance is ().
A, its internal occurrence type B, its internal claim type C, due occurrence type D and due claim type.
39. In terms of time, the commercial credit risk covered by general commercial credit insurance is ().
A short-term commercial credit risk is 3-6 months, and medium-term commercial credit risk is 1-2 years.
C.2-7 Long-term commercial credit risk of 2-7 years D. Ultra-long-term commercial credit risk of more than 7 years
40. Property insurance for agricultural producers and operators to cover economic losses caused by natural disasters and accidents in the process of planting and aquaculture production is called ().
A, agricultural insurance b, rural insurance c, farmer insurance d, agricultural, rural and farmer insurance
4 1. Compared with all kinds of natural disasters and accidents in property insurance, the probability of risk accidents in life insurance is ().
A, frequent fluctuation B, constant C, relatively stable D, increasing gradually
42. whole life insurance, which pays the insurance premium in full at the time of insurance, is called ().
A. whole life insurance who pays the premium in one lump sum, whole life insurance who pays it regularly, whole life insurance who agrees to pay it, and whole life insurance who pays it at will.
43. In life insurance, if the insurance premium is collected in the form of natural insurance premium, the contrast between the old-age insurance premium and the old-age insurance premium is ().
A, the former is less than the latter b, the former is equal to the latter c, the former is greater than the latter d, and the former is equal to one third of the latter.
44. During the defensible period of the life insurance contract, the specific way for the insurer to exercise the right of defense is ().
1. claiming that the insurance contract is invalid or refusing to pay the insurance money; B, claiming that the insurance contract is valid but refusing to pay the insurance money.
C, claiming that the insurance contract is invalid but returning the cash value of the policy; D claim that the insurance contract is invalid but refund the premium paid.
45. In term life insurance contracts, it is usually agreed that a certain period of time is the effective period of insurance. If the insured still exists at the expiration of the insurance period, the status of the insurance contract is ().
1. The insurance contract will be terminated; B. The insurance contract will be terminated; C. The insurance contract will be terminated; D, the insurance contract will disappear.
46. In long-term life insurance, the insured may declare in writing at the time of insurance application or before the expiration of the grace period for insurance premium. If the renewal premium is not paid after the grace period, the renewal premium will be paid automatically. The value for automatic prepayment is ().
A, insurance amount b, premium amount c, cash value d, insurance interest.
47. For a life insurance contract whose validity is suspended, the first step that the applicant must perform when he proposes to restore its validity is ().
A. Apply for insurance B. Apply for compensation C. Apply for change D. Apply for reinstatement.
48. In dividend insurance, the relevant departments of the insurance company, such as the financial department, calculate the amount of surplus that can be distributed as dividends every year, and the company decides the distribution amount based on business judgment. The quantity of this decision is called ().
A, distributable profit b, distributable property c, distributable surplus d, distributable rights and interests
49. In the investment-linked insurance, under the agreed conditions, the insured can freely convert between different funds. Usually, ().
A, no extra expense b, no extra expense c, no formalities d and no risk.
50. In the practice of life insurance, there is no need to provide physical examination or other types of insurance that can be guaranteed, such as ().
A. Regular death insurance B. Lifelong death insurance C. Group life insurance D. Old-age security.
5 1. In the investment-linked insurance, the investment unit is a kind of () designed by the insurer for the convenience of calculating the value of the investment account.
A, investment subject B, investment form C, investment form D, unit of measurement
52. In modern life insurance, the premium form adopted by most life insurance types is ().
A, natural premium b, technical premium c, annual premium d and balanced premium.
53. In the constitutive requirements of accidental injury, the objective fact that harmful substances have destructive contact and function with the insured body in a certain way is called ().
A. Infringement facts B. Infringement object C. Infringement degree D. Hazardous substances
54. In the constitutive requirements of accidental injury, the object or substance that directly causes injury is called ().
A. Infringement event B. Infringement object C. Infringement degree D. Hazardous substances
55. Accidental injuries covered by special insurance are generally listed as exclusions in insurance clauses. After the insured and the insurer make a special agreement on underwriting, the insurer will annotate the special agreement on the insurance policy or issue an approval form, except that the liability is made ().
A, eliminate b, confirm c, strengthen d and express it.
56. In accidental injury insurance, the requirement for harmful substances is () to judge whether it constitutes injury.
A, harmful substances must be foreign. B, harmful substances must be internal. C, harmful substances must exist. D, harmful substances must exist.
57. In health insurance, the seriousness of moral hazard puts higher demands on actuaries in risk assessment and premium calculation, which is embodied in ().
A, besides statistical data, you must also get the support of medical knowledge.
B, in addition to statistics, you must also get the support of forensic knowledge.
C, in addition to statistical data, you must also get financial knowledge support.
D in addition to statistics, you must also get the support of marketing knowledge.
58. In the income security insurance, the calculation formula of partial disability payment is ().
Part A Disability Payment = Total Disability Payment × (income before disability-income after disability )× income before disability.
B, partial disability pension = total disability pension × (income before disability-income after disability)/income before disability.
Part c disability pension = total disability pension × (income before disability+income after disability )× income before disability.
D, partial disability pension = total disability pension × (income before disability+income after disability)/income before disability.
59. In the health insurance contract, its unique clauses include (), etc.
A, worthless loss clause b, incontestable clause c, grace period clause d and medical examination clause.
60. Generally speaking, the insurance liability of health insurance is ().
A, death risk B, survival risk C, injury risk D, loss risk
6 1. The main body engaged in insurance agency behavior is ().
A, insurer b, policyholder c, insured d, insurance agent
62. According to China's "Regulations on the Administration of Insurance Agencies", the applicant who applies to the China Insurance Regulatory Commission for the establishment of an insurance agency shall be ().
A. All shareholders B. All promoters C. All partners
Entrusted agents of all shareholders, all promoters and all partners.
63. According to the Regulation on the Administration of Insurance Agencies in China, when an insurance agency establishes a branch, it shall submit an explanation of the insurance agency's performance of the insurance agency contract within a certain period of time in duplicate. The specific time required is ().
A, before 1 year b, before 2 years c, before 3 years d, before 4 years.
64. According to China's "Regulations on the Administration of Insurance Agencies", those who illegally engage in insurance agency business without a license shall be banned by ().
A. Insurance Industry Association B, Consumers Association C, CIRC D and Administration for Industry and Commerce.
65. The code of conduct that all employees should follow in their professional activities is called ().
A, professional ethics b, code of conduct c, professional code d, professional code
66. According to the "Guidelines on Professional Ethics of Insurance Agency Practitioners" issued by the China Insurance Regulatory Commission, there are seven ethical principles in the main part of the professional ethics of insurance agency practitioners in China, including ().
A, objective and fair principle B, law-abiding and compliance principle C, independent practice principle D, friendly cooperation principle
67. Insurance agency employees shall objectively and comprehensively introduce information about insurance products and services to customers in their practice activities, and shall not mislead customers; Truthfully inform subsidiaries of insurance-related customer information. This professional ethics explains () in moral principles.
A. compliance with the law; B. honesty and credibility; C. diligence and responsibility; D. professional ability.
68. As a supporting document of the Insurance Agents' Professional Ethics Guide issued by China Insurance Regulatory Commission, the document issued by insurance association of china in February 2004 is ().
A. Code for Insurance Agency Practitioners B. Qualification Certificate for Insurance Agency Practitioners
C. Practice Certificate of Insurance Agency Practitioners D. Practice Certificate Exhibition of Insurance Agency Practitioners
69. For most insurance agents, the stage of obtaining fee income is ().
A, exhibition B, after-sales service C, payment collection D, survey and claim settlement
70. Insurance agency practitioners should keep customer information for () in their practice activities.
A subsidiary b, the customer himself c, the underwriter d of the subsidiary, and other institutions and individuals other than the subsidiary.
7 1. The legislative purpose of China's anti-unfair competition law is ().
1. Stop unfair competition and protect the legitimate rights and interests of operators and consumers.
B. Stop unfair competition and protect the legitimate rights and interests of operators. C. Stop unfair competition and protect the legitimate rights and interests of consumers.
C. Stop unfair competition and ensure the realization of national interests.
72. According to the provisions of China's Anti-Unfair Competition Law, anyone who violates the provisions of this law and causes damage to the infringed business operator shall bear the legal responsibility of ().
A, joint liability B, criminal liability C, administrative liability D, civil liability for damages
73. According to the provisions of China's Consumer Protection Law, business operators should listen to consumers' opinions on the goods or services they provide and accept ().
A. Supervision of competitors B. Supervision of competent departments C. Inspection of trade associations D. Supervision of consumers
74. According to the provisions of China's Consumer Protection Law, when consumers ask for shopping vouchers or service documents, the correct way for operators is ().
A, according to the commercial practice of "cash on delivery", there is no need to issue purchase vouchers or service documents.
B, there is no need to issue purchase vouchers or service documents C, purchase vouchers or service documents must be issued.
C. Inform the consumer to issue the purchase voucher or service document later.
75. According to the Regulations on the Administration of Insurance Agencies, the organizational forms that insurance agencies can take include ().
A. joint stock limited company B. wholly state-owned company C. mutual company D. sole proprietorship company
76. According to the Regulations on the Administration of Insurance Institutions, insurance institutions may invest abroad, but major foreign investments shall be approved in writing by the board of directors or all partners, and a written report shall be made to the China Insurance Regulatory Commission. Here, the major foreign investment of insurance institutions refers to ().
A. The single or accumulated investment amount reaches 50% of the assets in the accounting statements of the insurance institution in the previous fiscal year.
B. The single or accumulated investment amount reaches 50% of the liabilities in the accounting statements of the insurance institution in the previous fiscal year.
C. The single or accumulated investment amount reaches 50% of the profit of the accounting statement of the insurance institution in the previous fiscal year.
D. The single or accumulated investment amount reaches 50% of the net assets of the accounting statements of the insurance institution in the previous fiscal year.
77. According to the Regulations on the Administration of Insurance Institutions, the deposit paid by insurance institutions can be changed. In the following cases, the insurance agency should increase the amount of the deposit is ().
A, insurance institutions increase registered capital b, insurance institutions increase the number of business.
C, insurance institutions to reduce the registered capital d, insurance institutions to reduce the number of business.
78. According to China's General Principles of Civil Law, the period when a citizen has the capacity for civil rights is ().
A, from birth to death B, from 14 to death C, from 16 to death D, from 18 to death.
79. According to the provisions of China's General Principles of Civil Law, the ownership of buried objects and hidden objects that everyone doesn't know belongs to ().
A, the first discoverer B, the issuer C, the buried object and the receiver D, and the country
80. According to the provisions of the General Principles of the Civil Law, if the parents of a minor Li have died, which of the following can be regarded as the guardian of Li ().
A, Li's sister, B, under the age of 16, where Li lives.
C. Li's uncle suffers from severe mental illness D. People's court
Second, the judgment question
8 1. According to the provisions of China's Insurance Law, an insurance company must obtain the approval of the insurance regulatory agency if it changes its investor or shareholders holding more than 5% of the company's shares ().
82. According to the provisions of China's Insurance Law, an insurance company has the status of a legal person, and its branches also have the status of a legal person, and its civil liability shall be borne by the branches of the insurance company ().
83. According to the provisions of China's Insurance Law, if an insurance company seriously violates the provisions of the Insurance Law on the use of funds, the insurance supervision and administration institution shall order the insurance company to stop using it and correct the illegal use of funds. ( )
84. According to the provisions of China's Insurance Law, an insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract. ( )
85. According to the provisions of China's Insurance Law, the retention period of complete account books, original vouchers and relevant materials related to business activities that an insurance company should properly keep shall be not less than 20 years from the date of termination of the insurance contract. ( )
86. According to the provisions of China's insurance law, at the request of the reinsurer, the reinsurer shall inform the reinsurer of its responsibilities and the relevant information of the original insurance. ( )
87. According to the provisions of China's Insurance Law, after the insurance contract is established, the insured pays the insurance premium according to the agreement, and the insurer begins to assume the insurance liability according to the agreed time. ( )
88. According to the provisions of China's Insurance Law, one of the statutory items that an insurance contract should include is the insurance premium and its payment method. ( )
89. According to the provisions of China's Insurance Law, the Insurance Law of People's Republic of China (PRC) is applicable to insurance companies engaged in insurance activities in People's Republic of China (PRC). ( )
90. According to the provisions of China's Insurance Law, the calculation method and catastrophe risk arrangement scheme of insurance companies for dangerous units should be approved by the insurance head office, and it is not necessary to report to the insurance regulatory agency for approval. ( )
9 1. According to the provisions of China's Insurance Law, if an insurance company and its staff conceal important information related to the insurance contract in their insurance business, deceive the applicant, the insured or the beneficiary, or refuse to perform the obligation of compensation or payment of insurance benefits stipulated in the insurance contract, which constitutes a crime, the contract liability shall be investigated according to law. ( )