Chapter 1 Testing
1. What are the characteristics of risk?
I. Objectivity
B. losses
C, uncertainty
D, regularity
E. variability
Correct answer: ABCDE
2, the basic elements of risk
A. Risk factors
B, risk accidents
C. Risk management
D. Risk assessment
E. failure
Correct answer: Abe
3. The characteristics of insurable risks are as follows
First, the risk is not speculative
B, the risk must be uncertain.
C. The risk must be that a few targets may suffer losses.
D. Risks may lead to greater losses.
E the expected loss of risks during the contract period can be calculated.
Correct answer: Abe
4. Risk management methods do not include
First, risk aversion
B, risk prevention
C. Risk statistics
D, risk retention
Correct answer: C.
5. The most basic and important link in the risk management procedure is
I. Risk Identification
B, risk measurement
C. risk assessment
D, risk retention
Correct answer: a
6. What are the conditions for insurable risks?
First, it must be pure risk.
B, there are a large number of homogeneous independent risk units, only a few risk units are damaged, and the loss frequency should be appropriate.
C. The occurrence of risk accidents is accidental, but the risk loss itself is relatively certain.
Insurable risks must be legal.
Correct answer: ABCD
7, the basic goal of risk management is
A, get the maximum security with the minimum cost.
B, get the lowest guarantee at the lowest cost.
C. Enterprises that are operating and making money
D, survival goal
Correct answer: b
8. Which of the following risk factors is tangible?
First, morality
B, substantive content
C, discipline
D, psychology
Correct answer: b
9. What risk management measures should be taken for risks with high loss probability and high loss degree?
A. insurance
B. Retain risks
C, avoid risks
risk reduction
Correct answer: C.
10, the characteristics of risk do not include
I. Objectivity
nondeterminacy；uncertainty
C, subjectivity
D. loss
Correct answer: C.
Chapter II Testing
1, the inherent function of insurance
First, spread the risk
B. Sharing losses
C. Economic compensation
D, economic benefits
Correct answer: AB
2. The external function of insurance.
First, spread the risk
B. Sharing losses
C. Economic compensation
D, economic benefits
Correct answer: CD
3. The difference between insurance and savings.
First, different consumers
B, different technical requirements
C. Different benefit periods
D, the nature of the behavior is different
E, different consumption purposes
Correct answer: ABCDE
4. What risk management measures should be taken for risks with low loss probability and high loss degree?
A. insurance
B. Retain risks
C, avoid risks
risk reduction
Correct answer: a
5, the derivative function of insurance is
I. Economic compensation
B, economic benefits