1、国家开放大学电大本科保险学概论2023-2024期末试题及答案（试卷号：1025）一、单项选择题（共10分，每题1分。每题的备选答案中，只有一个符合题意-请将正确的标号写在答题纸上）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2一国或一地区保费收入总额占国内生产总值的比重称为()。A保险密度B保险深度C保险金额D保险价值3某企业投保企业财产险，保险金额为80万元，出险时保险财产的保险价值为100万元。实际遭受损失40万元，保险人应赔偿()。A.100万元B80万元C40万元D32万元4投保人指定受益人须经过()同
2、意。A保险人B被保险人C受益人D变更的受益人5被保险人的代表是()。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计价值作为保险价值，其保险金额按保险价值来确定，并明确载明在保险合同中，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C6000元全归保险人D多余的1000元在保险双方之间分摊9根据中华人民共和国保险法规定，在下列保险业务险种中，人寿保
3、险公司可经营的险种是()。A.家庭财产保险B意外伤害保险C机动车辆保险D责任保险10.在船舶保险中，船东利用船舶走私是被保险人违反()的一种行为，保险人对此而造成的损失不负赔偿责任。A.保险利益原则B明示保证C近因原则D默示保证二、多项选择题（共10分，每题1分。每题的备选答案中，有二个或以上符合题意，请将正确的标号写在答题纸上。错选或漏选均不给分）11可保风险的特性是()。A风险不是投机性的B风险发生必须是意外的C风险必须是少量标的均有遭受损失的可能性D风险可能导致较大损失E风险在合同期内预期的损失是可计算的12.下列有关保险的陈述，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
4、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13保险特征包括()。A经济性B互助性C法律性D科学性E政策性14属于保险中介入的是()。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15.人身保险合同没有()的概念。A保险金额B保险利益C保险价值D保险期限E重复保险16.下列有关代位求偿权的说法错误的是()。A被保险人有权就未取得保险人赔偿的部分向第三者请求赔偿B适用于财产保险和人身保险C保险人依代位求偿权取得第三人的赔偿余额超过保险人的赔偿金额，超过部分应归保险人所有D如果因被保险人的过错影响了保险人代位求偿
5、权的行使，保险人可扣减相应的保险赔偿金E在任何情况下，保险人不得对被保险人的家庭成员或者其组成人员行使代位求偿仅17.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18.保险合同的书而形式包括()。A.保险单B暂保单C保险凭证D经保险人签章的投保单E批单19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20普通家庭财产保险
6、包括()两个险别。A.灾害损失保险B家庭财产两全保险C盗窃保险D第三者责任险E水渍险三、判断题（10分，每题1分，正确的标，错误的标）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社会保险是依合同实施的契约行为。()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。()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.在个人人寿保险中，允许变更受益人。()29.保险基金是一种责
7、任准备金。()30.全国性的保险公司只要符合5亿元的最低注册资本金要求就可以开业和成立分公司。()四、填空题（每空1分，共10分）31投保人对保险标的不具有保险利益的，保险合同无效。32.保险具有经济性、互助性、契约性和科学性的特点。33.保险合同的当事人包括保险人和投保人。34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。35.生命表的编制和运用，奠定了现代人寿保险的数理基础。五、名词解释（共12分，每题3分）36自杀条款为了更好地保障投保人、被保险人、受益人的合法权益，保险人也出于维护自己的利益，在很多人寿保险合同中都将自杀列入保险条款，但规定在保险合同生效较长的期限后被保险人自
8、杀行为，保险人才承担给付保险金责任，通常是2年，以防止被保险人预谋保险金而签订保险合同。（3分）37.人寿保险是以被保险人的寿命为保险标的，以人的生存、死亡两种形态为给付保险金条件的保险。（2分）当发生保险合同约定的事故或合同约定的条件满足时，保险人对被保险人履行给付保险金责任。（1分）38.暂保单是保险单或保险凭证未出立之前保险人或保险代理人向投保人签发的临时凭证，亦称临时保险单。其作用是证明保险人已同意接受投保。（3分）39.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，按照合同约定给付全部或部分保险金的一种人身保险。（3分）六、问答题（共30分）40简述代位求偿的条件。（
9、5分）答：(1)保险标的的损失必须属于保险责任范围；（1分）(2)保险事故的发生应由第三者承担责任；（1分）(3)被保险人要求第三者赔偿；(1分)(4)保险人必须事先向被保险人履行赔偿责任；（1分）(5)保险人只能在赔偿金额限度内行使代位求偿权。（1分）41简述保险合同条款解释的原则。（8分）答：(1)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）42简述保险投资的基本原则。（9分）答：(1)安全性；(3分)(2)收益性；（3分）(3)流动性。（3分）43简述再保险的作用。（8分）答：再保险的作用具体表现为：(1)分散风险；（2分
10、）(2)扩大承保能力；（2分）(3)控制责任，稳定经营；(2分)(4)降低营业费用，增加运用资金。（2分）七、案例分析题（共18分，每题6分）44.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40万元的车辆损失险、向B保险公司投保了赔偿限额为50万元第三者责任险，乙车没有投保。保险期间甲车与乙车发生交通事故，导致乙车辆财产损失10万元和人身伤害2万元，甲车辆损失20万元和人身伤害3万元。经交通管理部门裁定，甲车主负主要责任，为80%;乙车主负次要责任，为20%，按照A、B保险公司免赔规定（负主要责任免赔15%，负次要责任免赔5%），则：(1)A保险公司应赔偿多少？(2)B保险公司应赔偿多
11、少？答：(1)A保险公司应赔偿金额=甲车车辆损失甲车的责任比例（1-免赔率）=2080%(1-15%)=13.6万元（3分）(2)B保险公司应赔偿金额=乙车车辆损失和人身伤害甲车的责任比例（1-免赔率）=(10+2)80%(1-15%)=8.16万元（3分）45.某企业投保企业财产保险综合险，保险金额200万元，保险有效期间从2011年3月1日至2012年2月29日。假设：(1)该企业于2012年1月22日发生火灾，损失金额为60万元，保险事故发生时的实际价值为400万元，则保险公司应赔偿多少？为什么？(2)2012年1月31日因发生地震而造成财产损失100万元，保险事故发生时的实际价值为20
12、0万元，则保险公司应赔偿多少？为什么？(3)2012年2月18日因下暴雨，仓库进水而造成存货损失150万元，保险事故发生时的企业财产实际价值为200万元，则保险公司应赔偿多少？为什么？答：(1)保险公司赔偿金额=损失金额保险保障程度-60200/400=30万元。因为该保险为不足额保险，所以采用比例赔偿方式。（2分）(2)由于地震属于企业财产保险综合险的责任免除，所以保险公司可以拒赔。（2分）(3)保险公司赔偿金额=保险价值=损失金额-150万元。因为该保险为足额保险，所以按实际损失赔偿。（2分）46.鲁某2011年1月1日向某保险公司投保了保险期间为1年的家庭财产保险，其保险金额为80万元。
13、2011年5月1日鲁某家因意外发生火灾，火灾发生时，鲁某的家庭财产实际价值为100万元。若按第一危险赔偿方式。则：(1)财产损失60万元时，保险公司应赔偿多少？为什么？(2)家庭财产损失90万元时，保险公司又应赔偿多少？为什么？答：(1)因为第一危险赔偿方式是按保险金额范围内的损失均予以赔偿的发生。（2分）该保险金额范围内的损失（或第一危险）为60万元，（1分）所以保险公司应当赔偿60万元。（1分）(2)保险公司应当赔偿80万元。（1分）该保险金额范围内的损失（或第一危险）为80万元。（1分）2022秋期版1380国开电大本科商务英语3期末一体化、纸质考试第一大题交际用语题库_Accordin
14、g to law,they refer to transportation,construction,finance,ins-urance and the like.A.Do you know taxable services?B.How do you like taxable services?C.What do you mean by taxable services?答案C_ Alright ,I will try my best.A.Do you know about business tax?B.What do you think about business tax?C.Can y
15、ou give me a brief introduction about business tax?答案C And could you give me your signature here?_A.Oh,I dont have my signature with me today.B.Sorry?Im afraid I didnt quite catch that.C.What do you think of my handwriting?答案B But what do you want me to do there?_.A.Thank you for doing me such a fav
16、or.B.You have to give a presentation on what our products are.C.Could I get an estimate before placing an order?答案B By the way,what do you want me to do there?_A.Take it easy.Ill be there on time.B.Thank you for doing me such a favor.C.You have to give a presentation on what our products are.答案C Can
17、 you show me the schedule?_.A.You wont miss the planeB.Sure,a tight schedule as usualC.Dont worry.I can help you with that答案B Can you show me the schedule?_A.Dont worry.I can help you with thatB.You wont miss the planeC.Sure,a tight schedule as usual答案C Does modern logistics mean transportation and
18、delivery?_,Modern logistics is more about effective and efficient flow of materials and information.A.Yes,youre rightB.No,its not the whole storyC.No,youre absolutely wrong答案B Does modern logistics mean transportation and delivery?_,Modern logistics is more about effective and efficient flow of mate
19、rials and information.A.Yes,youre rightB.No,its not the whole storyC.No,youre wrong答案B Dont hesitate to click on our website when you need us._.Thank you.A.I canB.I willC.I was答案B Dont hesitate to click on our website when you need us._.Thank you.A.Yeah,I canB.Sure,I willC.Of course,I know答案B Dont h
20、esitate to click on our website when you need us._.Thank you.A.I canB.I willC.I know答案B Excuse me ,_.It stands for strengths,weaknesses,opportunities and threats.A.how do you know by SWOT?B.what do you mean by SWOT?C.what is your meaning by SWOT?答案B_ For individual income tax,it is within the first
21、7 days.A.What is the deadline for tax declaration?B.What do you mean by taxable services?C.What do you think of the deadline for tax declaration?答案A Good afternoon .Can I help you?_A deposit account or a current account?A.Thank you.Id like to order a checkbook.B.Sorry,I dont have a bank account at a
22、ll.C.Yes,Id like to open an account.答案C Good morning ._Madam?Good morning!I need a check to send to my publisher in New York.A.What can I do for you,B.What do you want to buy,C.Why do you come here,答案A Good morning ._?Good morning!I need a check to send to my publisher in New York.A.What can I do fo
23、r you,MadamB.What do you want to buy,MadamC.Why do you come here,Madam答案A Good morning .Far East Logistics Company._.Good morning.This is Maggie Bonner.I would like to know more about your products.A.Who is that calling?B.What do you want?C.May I help you?答案C Good morning .Far East Logistics Company
24、._.Good morning.This is Maggie Bonner,I would like to know your freight forwarding business.A.May I help you?B.What do you want?C.Who is that calling?答案A Good morning .Far East Logistics Company._.Good morning.This is Maggie Bonner.I would like to know your freight forwarding business.A.Who is that
25、calling?B.What do you want?C.May I help you?答案C Hello !_?Hello,this is Michael from Tianjin Vanguard Trading Inc.A.Who are you?B.What are you?C.Who is that?答案C Hello ,this is Steven Smith.Nice to hear your voice again.Hi,Mr.Smith._A.Do you know the coverage of your freight forwarding business?B.Plea
26、se tell me the coverage of your freight forwarding business.C.I would like to know more about the coverage of your freight forwarding business.答案C Hello ,this is Steven Smith.Nice to hear your voice again.Hi,Mr.Smith._.A.Do you know the coverage of your freight forwarding business?B.Please tell me t
27、he coverage of your freight forwarding business.C.I would like to know about the coverage of your freight forwarding business.答案C Hello ,this is Steven Smith.Nice to hear your voice again.Hi,Mr.Smith._.A.Do you know the coverage of your freight forwarding business?B.Youve got to tell me the coverage
28、 of your freight forwarding business.C.I would like to know about the coverage of your freight forwarding business.答案C Hello ,this is Steven Smith.Nice to hear your voice again.Hi,Mr.Smith._the coverage of your freight forwarding business?A.Do you knowB.Please tell meC.I would like to know about答案C_
29、 It includes merchandise,packaging and shipping,duty if required,any taxes and insurance.A.Could I get an estimate before placing an order?B.What does the estimate include?C.How many would you like to order?答案B I think a bus stop advertisement is a very wise chance to promote our products._.A.You sa
30、id it.B.Our products are popular.C.I dont like advertisement.答案A I think a bus stop advertisement is a very wise chance to promote our products._A.Our products are popular.B.You said it.C.I dont like advertisement.答案B Im afraid we put less emphasis on the overall design of the whole project._A.This
31、is obviously too heavy.People wont be able to carry it.B.Wed better use light ones,They make the audience feel comfortable.C.Our main goal is to establish our brand name among our target audience.答案C Kathy ,Id like you to meet Maggie Jacobs._,Maggie.Youre doing a great job.A.Im pleased to meet youB.
32、Its great to see you againC.Im happy to meet you too答案A May I suggest the sales start on or about October 1?_.答案Great.We can start to prepare for the big event. May I suggest the sales start on or about October 1?_A.What do you mean?B.I like sales.C.Great答案C Morning ,Maggie.Could you talk briefly ab
33、out your career development?_.A.Morning,Mr.Marx.Nice to meet you.B.Sorry,Mr.Marx.I dont like my boss at all Sure,Mr.Marx.C.Thanks for giving me this opportunity.I started as a clerk in the答案C_OK.We have 8 major retailers running demonstrations at most branches,andA.Quality is the focus of the ad cam
34、paign.B.A good advertising campaign will increase our sales.C.Lets go over our promotion plans again,shall we?_ Thank you .I must say I have a great staff.A.Id like you to meet Joe Stevens.Hes our sales team head.The Sales Department has more than 50 employees.B.Please allow me to introduce my colle
35、ague to you.She is the Purchasing Manager.C.Its a pleasure to meet you,Ben.So youre the one responsible for those outstanding sales figures Ive seen.答案C_They refer to the royalties,including patent right,copy right,trademark right,and so on.A.What are intangible assets?B.What about the tax base?C.Ho
36、w about the tax rate?答案A_They refer to the royalties,including patent right,copyright,trademark right,and so on.A.What about the tax base?B.How about the tax rate?C.What are intangible assets?答案C_ Thank you.I must say I have a great staff.A.Id like you to meet Joe Stevens.Hes our sales team head.The
37、 Sales Department has more than 50 employees.B.Please allow me to introduce my colleague to you.She is the Purchasing Manager.C.Its a pleasure to meet you,Ben.So youre the one responsible for those outstanding sales figures Ive seen.答案C Then ,what kind of music are you going to have in the backgroun
38、d?_A.This is obviously too heavy.People wont be able to carry it.B.Wed better use light ones.They make the audience feel comfortable.C.Our main goal is to establish our brand name among our target audience.答案B_ Usually ,the similar contracts signed with other consignees are based on 12months.A.What
39、is the deadline for the construction?B.How long is your consignment term,normally?C.What do you think of the paperwork for the contract?答案B_ We are headquartered in Shanghai.A.How about the departmental structure in the headquarters?B.What is your company profile?C.Where are your headquarters?答案C_ W
40、e offer special services such as personal belongings,express,holiday pick up and delivery services and so on.A.What kind of special services do you offer?B.How would you offer your special services?C.Why do you offer your special services?答案A_ Well ,it is a separate department.But there are two labo
41、ratories,one at each production plant.A.What about the training manager and the human resources manager?B.What about the board of directors and the chairman?C.What about the Research and Development Department?答案C We would like to place an order for some of your C&.Z desk units._A.Certainly,we keep
42、a large supply in stockB.Delivery dates depend on your locationC.We recommend payment by letter of credit答案A We would like to place an order for some of your C&Z desk units._.A.Thank you very much.We keep a large supply in stock.B.Certainly,delivery dates depend on your location.C.We recommend payme
43、nt by letter of credit.答案A We would like to place an order for some of your C&-Z desk units._A.Great!We keep a large supply in stock.B.Excellent!Delivery dates depend on your location.C.Of course,we recommend payment by letter of credit.答案A What about the commission?_.A.Its a general practice everywhere else.B.Of course,Id give you our lowest quotation.C.Im afraid you have to tell me,first,how large your order is going to be.答案C What abou
