1、国家开放大学电大本科保险学概论2031-2032期末试题及答案（试卷号：1025）一、单项选择题（每题1分，共10分）1.两个或两个以上的保险人共同承保同一保险责任、同一保险利益、同一保险事故的保险称为()。A重复保险B再保险C共同保险D综合保险2保费收入总额占国内生产总值的比重是指()。A保险密度B保险深度C保险金额D保险价值3保险合同特有的原则是()。A诚信原则B保险利益原则C公平互利原则D守法原则4下列属于保险人承担赔偿责任的损失是()。A巨灾损失B直接损失C间接损失D精神损失5下列人员可以作为被保险人的代表的是()。A投保人B保险代理人C保险人D保险经纪人6以投保时保险标的实际价值或估
2、计价值作为保险价值，并以保险价值作为保险金额，这种保险被称之为()。A不定值保险B定值保险C定额保险D超额保险7保险市场的买方是()。A保险代理人B被保险人C投保人D保险人8保险人在支付了5000元的保险赔款后向有责任的第三方追偿，追偿款为6000元，则()A.6000元全部退还给被保险人B 将1000元退还给被保险人C C6000元全归保险人D多余的1000元在保险双方之间分摊9下列属于保险人绝对不予承保的财产是()。A房屋B土地C金银首饰D家用电器10投保人缴纳的用于赔偿或给付保险金的费用叫()。A纯保费B附加保费C毛保费D毛费率二、多项选择题（每题1分，共10分）11下列有关风险的陈述正
3、确的是()。A.风险是指某种损失发生的可能性B风险的存在与客观环境及一定的时空条件有关C风险是风险因素、风险事故与损失的统一体D没有人类的活动，也就不存在风险E风险是不可以转移的12下列事件中，属于投机风险的是()。A车祸B疾病C赌博D股票买卖E试制新产品13下列各项中，属于自愿保险方式的是()。A企业财产保险B机动车辆保险C货物运输保险D养老保险E公路旅客人身意外伤害险14下列有关保险的陈述的正确的是()。A.保险是风险处理的传统有效的措施B保险是分摊意外事故损失的一种财务安排C保险体现的是一种民事法律关系D保险不具有商品属性E保险的基本职能包括分摊损失与防灾防损15属于保险中介入的是()。
4、A.保险监理人B保险理赔人C保险代理人D保险公估人E保险经纪人16根据我国保险法规定，投保人对下列人员中具有保险利益的是()。A债权人B债务人C本人D父母、子女E兄弟、姐妹17损失补偿原则的实施要点有()。A以实际损失为限B以保险金额为限C以保险标的净值为限D以可保险利益为限E以保险期限为限18关于近因原则的表述正确的是()。A近因是造成保险标的损失最直接、最有效的、起决定作用的原因B近因是空间上离损失最近的原因C近因是时间上离损失最近的原因D近因原则是在保险理赔过程中必须遵循的原则E只有当被保险人的损失直接由近因造成的，保险人才给予赔偿19保险合同的书面形式包括()。A.保险单B暂保单C保险
5、凭证D经保险人签章的投保单E批单20.关于受益权的表述正确的是()。A.受益人取得受益权的唯一方式是被保险人或投保人通过合同指定B只有在被保险人死亡的情况的情况下，受益人才有受益权C受益人享受的收益权是一种期得利益D受益权只能由受益人独享E受益人领取的保险金不用抵偿被保险人生前债务三、判断题（正确的在括号内标，错误的在括号内标，每题1分，10分）21社会保险中没有财产保险。()22.没有保险利益就不存在保险关系。()23.损失赔偿原则也适用于人身保险。()24.在签订保险合同时，保险代理人所知晓的事情都视作保险人已知。()25.保险代理人上门推销保险时向投保人出具投保单的行为是一种要约行为。(
6、)26.当受益人先于被保险人死亡时，由被保险人的法定继承人领取保险金，并作为遗产处理。()27.当保险公司资金周转困难时，可运用其缴存的保证金。()28.在团体人寿保险中，允许变更被保险人。()29.保险基金是一种责任准备金。()30.自然灾害和意外事故的客观存在是保险产生的前提。()四、名词解释（每题3分，共12分）31保险密度是指按全国人口计算的平均保费额。反映一国国民受到保险保障的平均程度。32.社会保险是国家通过立法对社会劳动者暂时或永久丧失劳动能力，或失业带来收入减少时提供一定的物质帮助以保障其基本生活的社会保障制度。33.意外伤害保险是指保险人对被保险人因意外伤害事故以致死亡或残疾
7、（1分），按照合同约定给付全部或部分保险金（1分）的一种人身保险（1分）。34.保险准备金是保险人为履行保险责任，保证保险业务的正常经营（1分），而根据政府有关法规或自身的特点需要（1分），从保险费收入中提取的一种资金准备（1分）。五、填空题（每空1分，共10分）35风险是损失发生的不确定性36生命表的编制和运用，奠定了现代人寿保险的数理基础。37.保险合同的当事人包括保险人和投保人，保险合同的关系人包括被保险人和受益人。38风险因素可分为实质风险因素、道德风险因素和心理风险因素。39保险金额不得超过保险价值，超过部分无效。六、问答题（共30分）40简述保险合同条款解释的原则。（8分）答：(1
8、)文义解释原则；（2分）(2)意图解释；（2分）(3)解释应有利于非起草人；（2分）(4)尊重保险惯例。（2分）41简述人身保险和财产保险的区别。（6分）答：(1)人身保险是一种定额保险；（2分）(2)人身保险的保险利益是以人与人的关系来确定，而不是以人与物或责任的关系来确定；（2分）(3)人身保险具有长期性。（2分）42简述代位求偿的条件。(10分)答：(1)保险标的的损失必须属于保险责任范围；（2分）(2)保险事故的发生应由第三者承担责任；（2分）(3)被保险人要求第三者赔偿；（2分）(4)保险人必须事先向被保险人履行赔偿责任；（2分）(5)保险人只能在赔偿金额限度内行使代位求偿权。（2分
9、）43简述保险投资的基本原则。（6分）答：(1)安全性；（2分）(2)收益性；（2分）(3)流动性。（2分）七、案例分析题（共18分，每题6分）44.A某为其妻子B某投保了10份人寿保险，保险金额为10万元，B某指定其丈夫A某为受益人。三个月后A某与B某因感情破裂离婚。不料，离婚5日后的一天晚上，被保险人B外出散步时不幸跌人湖里意外溺死。B某生前欠其好友C某2万元的债务。意外事故发生后，死者B某的父母到保险公司索赔，要求领取10万元的保险金。B某的父母提出，作为受益人的A某已与被保险人B某离婚，则A某不应享有保险金请求权，其保险金应该作为遗产，其中2万元用于清偿好友C某的债务；其余8万元由他们
10、以继承人的身份作为遗产领取。试分析，B某父母的要求是否正确？为什么？保险公司依法应当将10万元的保险金给付给谁？答：(1)死者（被保险人）B的父母要求不正确（2分）。(2)因为受益人是指人身保险合同中由被保险人或投保人指定的惟一享有保险金请求权的人，受益权具有排他性（1分）。同时，受益人领取的保险金不是遗产，不用偿还被保险人生前的债务（1分）。(3)保险公司给付的10万元保险金，应当全部由该人寿保险合同的受益人B某来领取。（2分）45.某甲车主将其所有的车辆向A保险公司投保了保险金额为30万元的车辆损失险与赔偿限额为20万元的第三者责任险；乙车主将其所有的车辆向B保险公司投保了赔偿限额为50万
11、元第三者责任险。甲乙两车在保险期间相撞，酿成重大交通事故，导致甲车车辆损失10万元，甲车车上货物损失5万元，甲车驾驶员和车上一名乘客受伤，花费医疗费共计6万元；事故还造成乙车辆损失10万元和乙车车上货物损失4万元，所幸乙车无人员伤亡。经交通管理部门裁定，甲车在此次事故中负有主要责任，为90%;乙车负次要责任，为10%。按照该两家保险公司的相关免赔规定：负主要责任免赔15%，负次要责任免赔5%。请分析该案情，并分别计算在这起保险事故中，A、B两家保险公司各应承当多少赔偿金额？答：(1)A保险公司应承当的保险责任范围：甲车的车损险和甲车的第三者责任险甲车的车损险应赔偿金额=甲车车辆损失甲车责任比例
12、（1-免赔率）=10万元90%(115%)=7.65（万元）（3分）甲车的第三者责任险应赔偿金额=（乙车车损十乙车的货物损失）甲车责任比例（1-免赔率）=(10万元+4万元)90%(1-15%)=10.71（万元）A保险公司应承当赔偿金额=7.65（万元）+10.71（万元）=18.36（万元）(2)B保险公司应承当的保险责任范围：乙车的第三者责任险乙车的第三者责任险应赔偿金额=（甲车车损十甲车的货物损失十甲车的医疗费）乙车责任比例（1-免赔率）=（10万元+5万元+6万元）10%(15%)=1.995（万元）（3分）46彭某2006年11月23日向某保险公司投保了保险期间为1年的家庭财产保险
13、，其保险金额为60万元，2007年2月17日的除夕夜，彭某家因意外发生火灾，火灾发生时，经勘察估算，彭某的家庭财产实际价值为80万元。若按第一危险赔偿方式。则：(1)财产损失40万元时，保险公司应赔偿多少？为什么？(2)家庭财产损失70万元时，保险公司又应赔偿多少？为什么？答：因为家庭财产保险适用第一危险赔偿方式，即在保险金额范围内的损失均予以赔偿。所以在本案例中：(1)当家庭财产损失40万元时，由于损失低于保险金额，保险公司按损失金额赔偿40万元。（3分）(2)当家庭财产损失70万元时，由于损失超过保险金额，保险公司按保险金额赔偿60万元。（2分）2022年7月1390国开电大本科人文英语4
14、期末纸质考试试题及答案一、交际用语（共计10分，每小题2分）1-5题：阅读下面的小对话，选择恰当的答语。1. This apple pie is too sweet,dont you think so?_.I think its just right,actually.A.Not reallyB.I hope soC.Sounds good答案A2. Thank you for your invitation._A.Ill appreciate it.B.It doesnt matter.C.Its my pleasure.答案C3. Whats the best way to get to
15、the Empire Hotel from here?_A.Its five blocks awayB.Walking through the woodC.Its a twenty-minute walk答案B4. Can you go out with us for dinner this evening?_A.No,I already have plans.B.Thanks a lot,but Im busy tonight.C.No,I really dont like being with you.答案B5. Whats the fare to the museum?_A.Five d
16、ollarsB.Five oclockC.Five miles答案A二、词汇与结构 （共计 30 分，每小题 2 分）6-20题：阅读下面的句子，从A.B.C三个选项中选出一个能填入空白处的最佳选项。6. We should sort things_to deal with the prosecution.A.offB.outC.on答案B7. She has two best friends._of them is in the country.A.AllB.BothC.Neither答案C8. I was giving a talk to a large group of people,t
17、he same talk I_to half a dozen other groups before.A.was givingB.am givingC.had given答案C9. You should be responsible_your behavior.A.atB.forC.to答案B10._ many times ,he finally understood it.A.TellingB.Having been toldC.Having told答案B11. It is no use_to remember only grammar rules.A.tryB.tryingC.to tr
18、y答案B12. Before the final examination,some students have shown_of tension.They even have trouble insleeping.A.anxietyB.marksC.signs答案C13. It is not until you have lost your health_you know its value.A.untilB.whenC.that答案C14. The computer system_suddenly while he was searching for information on the I
19、nternet.A.broke downB.broke outC.broke up答案A15. The wild flowers looked like a soft orange blanket_the desert.A.coveredB.coveringC.to cover答案B16. The red flower goes from one to_in the class.A.the otherB.othersC.another答案C17. It was getting_,so he had to stop to have a rest.A.very darkerB.dark and d
20、arkC.darker and darker答案C18. Touch _3D maps help the blind too much.A.responsiveB.speakingC.listening答案A19. The film brought the hours back to me_I was taken good care of in that remote village.A.whenB.whereC.that答案A20. In _, the northerners have a particular liking for dumplings while the southerne
21、rs are fond of rice.A.commonB.totalC.general答案C三、阅读理解（共计40分，每小题4分）21-25题：阅读下列短文，从A.B.C三个选项中选出一个正确答案。Charity is a concept which dates back to Biblical times,when helping the poor was something that rich people basically did to make themselves feelgood.Social work has its roots in charity,as it origin
22、ally beganaround the time of the industrial revolution when there were many poor people and society was seeking away of dealing with the poor and social problems.Although social work began as charity work,it has expanded a lotand needs to be seen from a completely different perspective.Modern-day so
23、cial work deals not only with poverty and the subsequent problems,but also with the problems arising from various types of“social fear”(“social phobias”) and discrimination such as sexism,racism,anddiscrimination against an individual due to his age,or mental or physical disabilities.Social workers
24、deal with the consequences of these discriminations as well as consequences that arise from sexual abuse,drug abuse,and various other problems.Social work provides an important service to society.Individuals and families in need of help are the focus of it,and are referred to as clients.Social worke
25、rs help clients liven productive life in their own community.In order to reach this goal,they often enlist the assistance of family members,relatives,local religious leaders,and other influential members of the community.Although institutionalization maybe necessary at times,it is a temporary soluti
26、on.Social workers usually serve in the front line,and reach out to the clients soon after problems occur.The goal is to help clients return to normal life in a natural setting.21.The charity originally means to_.A.help the poor that makes the rich feelgood.B.help clients return to normal life.C.serv
27、e the whole society.答案A22.When does social work begin?A.around the time of the industrial revolutionB.In Biblical timesC.In modern time答案A23.Modern-day social work deals with the following problems except_?A.povertyB.racismC.education答案C24.In order to help clients live a productive life,social worke
28、rs can turn to the assistance of_.A.governmentB.family membersC.businessmen答案B25.Which statement about social work is NOT True?A.Social work roots from charity.B.Social work deals not only with poverty and the subsequent problems,but also with various social fear and discrimination.C.Social work is
29、that the rich people want to help the poor people.答案C26-30 题：请根据短文内容判断给出的语句是否正确，正确的写“T”，错误的写“F”。Passage 2All communication begins with the sender and ends with the receiver.The sender is responsible for successful conveyance.The senders personality,beliefs,cultural and educational background all inf
30、luence the message and it is important for the sender to be aware of this as he or she is encoding the message.Simply put,encoding is translating information into symbols that represent the ideas or concepts of the message that needs sending.These symbols are usually words in written or spoken form.
31、To ensure successful communication,the sender should know as much about his or her audience-the receiver-as possible in order to focus and support the encoding process.In addition to this awareness of self and encoding,the sender must choose the proper channel for conveying the message.Using the wro
32、ng channel may result in miscommunication.Like the sender,receivers are influenced by internal factors:their personality,theirreceptivity to the message or their relationship to the sender.Additionally,their current feelings,mood,or state of mind can affect a message.Once the message movesthrough th
33、e channel,the receiver then decodes it.The receiver uses his or her own experience and the context of the message to interpret its meaning.Feedback is the return message from the receiver to the sender.It is feedback that enables the sender to know whether the message was received successfully or no
34、t.Therefore it is essential to the communication process.This process,though very common,is fraught with potential breakdown at every turn.Spoken or written language is inherently easy to misinterpret.In conclusion,effective and successful Communication takes place when the message is successfully r
35、eceived and the receiver provides the sender with desirable feedback.26.The senders gender also influences the message.答案F27.Encoding is a process that translating information into symbols which serve as the ideas or concepts of the message that will be sent later.答案T28.These symbols are usually wor
36、ds and sentences in written form.答案F29.Channel is not crucial for conveying the message.答案F30.Feed backs enable the sender to know whether the receiver has received the message successfully or not.答案T四、写作（共计20分）31.根据要求完成作文。以“The Impact of Television on Family Relationship（电视对家庭关系的响）”为题写一篇英文短文，字数不少于
37、120 词。参考答案：Many people think that TV cant teach you anything and most TV programs are just silly.True,there are a lot of shows that are anything but good.But if you watch,you will find that TV is still a powerful educational tool.With the emergence of the public TV in our country we now have more he
38、lpings of food for the mind.Take the traveloguethe world we live init provides us not only with vicarious travel experience but also with thehistories and cultures of various nations.Spec live,what they wear and how they talk even though I cant afford to travel to those countries.My family often sit
39、 together to watch a program and discuss it afterward.Sometimes my parents ask us what we would do in a similar situation and this gives us the opportunity to rethink.We should not forget that TV can bean excellent teacher.In this era of mass media we believe that TV,if guided into the right channel,can really fire our imagination and contribute to family cohesion.
