风险管理与保险期末试卷
风险管理与保险学系级《保险学原理》期末考试试卷(A)
风险管理与保险学系2003级《保险学原理》期末考试试卷（A）学号姓名成绩一、判断题（每小题1分，共10分。
正确的请填“√”，错误的请填“Ⅹ”）1．吸烟后随意抛弃烟蒂，以至引起火灾，这一火灾的原因属于道德风险因素。
（）2．续保即为对原保险合同期限的延长。
（）3．人寿保险合同的被保险人只能是自然人。
（）4．责任保险的直接补偿对象是被保险人，间接补偿对象是不固定的第三人（）5．哈雷对人寿保险的重大贡献是提出了均衡保险费的理论。
（）6．代位求偿权是一种债权的代位。
（）7．法定保险产生于国家或政府的法律效力。
（）8．保险企业的经营资产具有负债性。
（）9．在共同保险与重复保险关系中，风险均是在各保险人之间进行横向分摊。
（）10．某险种规定相对免赔率5%，当保险损失达到7%时，保险人赔偿2%。
（）二、单项选择题（每小题1分，共30分。
选择以最接近题意要求的选项为准）1．以造成损失的原因而言，在汽车保险中，汽车的生产厂家、规格、刹车系统等，可以归类于（）。
A．心理风险因素B．道德风险因素C．实质风险因素D．技术风险因素2．甲、乙、丙三家财产保险公司联合承保了某卫星发射机构一价值为2亿美元的气象卫星发射任务，保险责任为发射过程中的卫星及火箭损失的风险，三家保险公司承保的保险金额分别为1亿美元、0.6亿美元和0.4亿美元的卫星发射保险。
该三家保险公司的这一保险方式属于（）。
A 重复保险B 共同保险C 再保险D 合作保险3．于某投保了保险金额为5万元的家庭财产保险，保险期间内某日由于第三者原因发生火灾而造成于某6万元的财产损失。
事后于某向保险人索赔，保险人按有关条款全额赔偿后，向该第三者行使代位求偿权，追得款额6万元。
保险人对这6万元的处置方式是（）。
A 全部据为己有B 留下5万元，1万元归还被保险人C 全部归还被保险人D 留下5万元，1万元与被保险人平分4．张江投保一年期家财险10万元，保险期限内某日不幸发生火灾使保险财产全部被焚毁，保险人赔偿10万元后该保单终止，该保单终止的原因属于（）。
风险管理期末考试试卷及参考答案
风险管理期末考试试题(A卷)一、单项选择题(本大题共20小题，每小题1分，共20分)在每小题列出的四个备选项中只有一个是符合题目要求的，请将其代码填写在题后的括号内。
错选、多选或未选均无分。
1.大多数纯粹风险属于(? )A.经济风险?B.静态风险C.特定风险?D.财产风险2.以下属于投机风险的是( ?)A.交通事故?B.买卖股票?C.地震?D.火灾3．保险属于( )A. 避免风险B. 自留风险C. 中和风险D. 转移风险4. 安装避雷针属于( )A. 损失抑制B. 损失预防C. 风险避免D. 风险转移5.医生在手术前要求病人家属签字的行为属于( ?)A.风险避免B.风险隔离C.风险转移D.风险自留6.多米诺骨牌理论的创立者是( ?)A.哈顿?B.海因里希?C.加拉格尔?D.马歇尔7. 在风险事故发生前达成的借贷协议属于( )A. 内部借款B. 特别贷款C. 应急贷款D. 抵押借款8.营业中断损失属于( ?)A.直接损失B.间接损失C.责任损失D.额外费用损失9.当保险方与被保险方对合同的理解不一致时，对合同的解释应有利于(? )A.保险方B.第三方C.被保险方D.具体情况具体确定10. 关于团体保险以下说法正确的是（）A.保险金额无上限B.增加了逆选择C.对团体的性质有要求D.不能免体检11. 实施风险管理的首要步骤是（）A.风险识别B.风险评价C.风险处理D.风险管理决策12. 选择保险人时，以下因素中最重要的是（）A.费率高低B.规模大小C.偿付能力D.折扣多少13. 以下属于特定风险的是（）A.战争B.通货膨胀C.自然灾害D.偷窃14. 在一定的概率水平下，单一风险单位因单一事故所致的最大损失称为（）A.最大可能损失B.最大预期损失C.损失期望值D.年度最大可能损失15. 企业普遍采用的风险管理组织是（）A.直线制B.职能制C.直线职能制D.选择制16. 在火灾保险中，最常用的共保条款比例是（）A.60%B.70%C.80%D.90%17. 以下不属于保险与自留相结合的方式是（）A.不足额保险B.足额保险C.自负额保险D.限制损失保险18. 被保险人纵火属于（）A.道德风险因素B.实质风险因素C.心理风险因素D.有形风险因素19. 中和用处理（）A.纯粹风险B.投机风险C.人身风险D.国家风险20. 以人们行为为控制着眼点的损失控制技术是（）A.损失预防B.损失抑制C.工程法D.行为法二、多项选择题(本大题共10小题，每小题2分，共20分)在每小题列出的五个备选项中至少有两个是符合题目要求的，请将其代码填写在题后的括号内。
风险管理与保险期末试卷
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2010〜2011学年第一学期考试试卷 《风险管理与保险》（共3页）（考试时间：2011年11月26 6.某律师担心由于其工作或过失给第三者造成损失依法应承担民事损害赔偿责任的，他 一、选择题（每小题可能有一个或几个正确答案，请选出你认为正确的，全 部选对得1分，多选、不选、错选或漏选均得 0分,共15分）。
1 •按风险的性质分类，风险可分为（ ） A.人身风险与财产风险 B. 纯粹风险与投机风险 C.经济风险与技术风险 D. 自然风险与社会风险 2.某建筑工程队在施工时偷工减料导致建筑物塌陷， 则造成损失事故发生的风险因素是 （ ）。
A.物质风险因素 B. 心理风险因素 C.道德风险因素 D. 思想风险因素 3 •桥梁因设计失误导致倒塌的风险属于（ ） A.道德风险 B. 责任风险 C. 投机风险 D. 纯粹风险4.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 5 •对发生频率低但发生后带来巨大损失的风险，我们应采用（ ）方法来处理A.避免B. 预防C. 自留D. 保险 可以投保（）A.意外伤害保险B. 职业责任保险C.公众责任保险D.雇主责任保险7•某人向甲、乙、丙三家保险公司重复投保，保险金额分别为10万元、8万元和7万元。
如果保险标的发生事故损失 9万元，由于保险合同约定采用保额比例责任制分摊， 所以甲、乙、丙三家保险公司应分别赔付（）A. 3.2 万、万、万B. 万、万、万C. 3万、3万、3万D. 6万、2万、1万8.投保人因过失未履行如实告知义务， 对保险事故发生有严重影响时，保险人对于保险 合同解除前发生的保险事故（）A. 应承担赔偿或给付保险金的责任。
B. 不承担赔偿或给付保险金的责任，并不退还保费。
C. 不承担赔偿或给付保险金的责任，但可退还保费。
D. 承担部分赔偿或给付保险金的责任。
风险管理与保险(含答案)
对外经济贸易大学远程教育学院2007-2008学年第一学期风险管理与保险期末考试复习大纲（请和本学期公布的大纲核对，答案供参考）本复习大纲适用于本学期期末考试，所列题目为期末考试的出题范围本次考试题型分为三种：单项选择题，多项选择题，判断题，全部为客观题。
单选题60% 多选题20% 判断题20%一、单选题1．从狭义上讲，风险仅指（ C ）发生的不确定性。
A．过失 B．盈利 C．损失 D．事件2．促使某一特定风险事故发生或增加其发生的可能性或扩大其损失程度原因或条件，被称作（ B ）。
A．风险 B．风险因素 C．风险事故 D．损失3．在风险管理中，损失一般是指（ C ）。
A．物质损失 B．精神损失 C．经济损失 D．政治损失4．按风险损害的性质进行分类,风险可分为(B )A人身风险与财产风险 B纯粹风险与投机风险C经济风险与技术风险 D自然风险与社会风险5．造成损失的直接的或外在的原因，是损失的媒介物的是（ B ）。
A．风险概率 B．风险事故 C．损失 D．风险因素6．按风险损害的性质进行分类,风险可分为(B )A人身风险与财产风险 B纯粹风险与投机风险C经济风险与技术风险 D自然风险与社会风险7．风险管理的第一步，即风险管理的基础是（D ）。
A．选择风险管理技术 B．风险评价C．风险估测 D．风险识别8．风险管理技术中（ C ）的目的是降低损失频率和减少损失幅度，重点在于改变引起意外事故和扩大损失的各种条件。
A．估算型风险管理技术 B．财务型风险管理技术C．控制型风险管理技术 D．概率型风险管理技术9．通常在风险所致损失频率和程度低、损失在短期内可以预测以及最大损失不影响企业或单位财务稳定时采用（A）的方法。
A．自留风险 B．转移风险C．预防风险 D．抑止风险10．保险的职能是集散风险、（ A ）。
A．分摊损失 B．承担赔偿责任C．控制风险 D．化解风险11．保费收入总额占国内生产总值的比重是指（ B ）。
风险管理与人身保险考试试题
风险管理与人身保险考试试题1. 在风险管理中，什么是风险评估？请简述其作用和步骤。
2. 请列举人身保险的几种常见类型，并简要描述其适用对象和保障内容。
3. 请解释保险期间和保险责任的概念，并说明二者之间的关系。
4. 在风险管理中，风险转移是常见的一种策略，请描述风险转移的定义和主要手段。
5. 对于人身保险产品，保费是一个重要的考量因素。
请说明保费的计算方式以及影响保费的主要因素。
6. 在人身保险中，除了保险合同外还常见到保险条款。
请解释保险条款的作用和主要内容。
7. 请列举几个个人风险管理中常见的风险，并说明每个风险可能带来的影响和相应的应对措施。
8. 在风险管理中，风险预防是一种主动的风险管理方法。
请说明风险预防的定义和一些常见的风险预防措施。
9. 请解释保险赔偿的概念，包括赔偿的要素和赔偿的方式。
10. 在购买人身保险时，个人需要考虑哪些因素，并如何选择适合自身需求的保险产品？请提供几点建议。
在风险管理和人身保险领域，考察的试题不仅要求掌握理论知识，还需要对实践应用具备一定的了解。
以下进一步展开对上述试题的详细回答：1. 风险评估是风险管理的关键步骤之一。
其作用是通过识别、分析和评估潜在风险，为制定风险管理策略和计划提供依据。
通常，风险评估包括以下几个步骤：a. 风险识别：确定与具体业务、行业或环境相关的潜在风险。
b. 风险分析：对识别的风险进行定性或定量分析，了解其概率、影响力及可能性。
c. 风险评估：综合考虑风险的概率和影响力，评估其严重性和紧迫性。
d. 风险处理：根据风险评估结果，制定相应的风险管理策略，如风险转移、风险降低、风险避免等。
2. 人身保险的几种常见类型包括寿险、意外险、重大疾病保险和年金保险。
寿险主要为被保险人的家庭提供经济保障，一般适用于成年人。
意外险旨在对被保险人在意外事故中的伤亡提供补偿。
重大疾病保险主要针对被保险人罹患严重疾病所带来的医疗费用和生活负担。
年金保险则提供被保险人在退休后一定的经济来源。
风险管理的期末考试题及答案
风险管理的期末考试题及答案一、选择题（每题2分，共20分）1. 风险管理的核心目标是什么？A. 降低风险发生的概率B. 减少风险带来的损失C. 消除所有风险D. 以上都是2. 下列哪项不是风险管理的基本步骤？A. 风险识别B. 风险评估C. 风险转移D. 风险接受3. 风险矩阵通常用于以下哪个阶段？A. 风险识别B. 风险评估C. 风险监控D. 风险缓解4. 以下哪种保险属于风险转移的一种方式？A. 人寿保险B. 健康保险C. 财产保险D. 所有选项都是5. 风险评估中，VaR（Value at Risk）是指：A. 风险事件发生的概率B. 风险事件发生的最大可能损失C. 风险事件发生时的平均损失D. 风险事件发生时的预期损失...（此处可继续添加选择题）二、简答题（每题10分，共30分）1. 简述风险管理的三个主要目标。
2. 解释什么是风险偏好，并举例说明如何确定一个企业的风险偏好。
3. 描述风险监测与风险评估的区别。
三、案例分析题（每题25分，共50分）1. 假设你是一家制造企业的首席风险官（CRO），公司计划进入一个新的海外市场。
请描述你将如何评估和准备应对进入新市场可能面临的风险。
2. 某公司在进行一项大规模的IT系统升级。
请分析在这个过程中可能面临的主要风险，并提出相应的风险管理策略。
风险管理的期末考试题答案一、选择题答案1. B2. C3. B4. D5. B...（此处可继续添加选择题答案）二、简答题答案1. 风险管理的三个主要目标是：降低风险发生的概率，减少风险带来的损失，以及提高组织对风险的适应能力。
2. 风险偏好是指一个组织或个人愿意接受风险的程度。
确定风险偏好通常涉及对组织的财务状况、业务目标、市场环境和历史风险事件的分析。
3. 风险监测是持续跟踪风险的过程，以确保风险管理措施的有效性并及时调整策略。
而风险评估则是在风险管理的早期阶段，对潜在风险的可能性和影响进行分析和量化。
国家开放大学电大专科《风险管理与保险规划》2023-2024期末试题及答案(试卷代号：3992)
国家开放大学电大专科《风险管理与保险规划》2023-2024期末试题及答案（试卷代号：3992）一、单项选择题（在下列各题的备选答案中选择一个正确的，并将其序号字母填入题中的括号里。
每小题2分，共20分）1.风险的（）是指风险是一种不以人们意志为转移的客观存在。
A.必然性B.可能性C.特殊性D.客观性2.在风险识别的原则中，（）是要求按照风险活动的内在流程、顺序、内在结构关系识别风险。
A.经济性原则Bo系统性原则C.重要性原则D.实时性原则3.（）是为了获得风险收益，愿意承担超出平均水平以上的风险。
A.风险偏好型B.风险中立型C.风险态度变化型D.风险回避型4.在损失控制过程中，损失预防的目的是（）oA.减少损失的潜在严重程度B.降低损失发生的可能性C.转移风险D.分散风险5.（）是以人的身体或生命为保险标的的一种保险。
A.人身保险B.意外伤害保险Co财产保险D。
社会保险6.（）是指保险人承担赔偿或者给付保险金责任的最高限额。
A.保险价值B.保险金额C。
保险标的D.保险责任7.（）是以财产或相关利益为保险标的，保险人承担保险标的因自然灾害和意外事故等风险事故所致损失的经济赔偿责任。
A.健康保险B.意外伤害保险C.财产保险D.社会保险8.在保险经营的原则中，（）是指保险企业在可承保风险的范围内，根据自己的承保能力，争取承保尽可能多的同质风险和保险标的。
A.最大效用原则B.风险分散原则C.风险大量原则D.风险选择原则9.保险市场的（）,是指在保险市场上提供各类保险商品，承担分散和转移他人风险的各类保险人。
A.供应方B.需求方C.中介方D.保险商品10.（）是指投保人以保险价值全部投保，与保险人订立保险合同的一种保险。
A.足额保险B .强制保险C.自愿保险D.不足额保险二、多项选择题（在下列各题的备选答案中选择2至5个正确的，并将其序号字母填入题后的括号里。
多选、少选、错选均不得分。
每题3分，共30分）llo风险的构成要素主要包括（｝oA.风险因素B.风险事故C.损失12.风险识别的原则包括（）。
国家开放大学风险管理与保险规划专科期末试卷2020年7月
Ｂ．销售 Ｄ．投保
９．保险充分体现了“一人为众，众人为一”的思想。这说明保险的（）特征。
Ａ．经济性
Ｂ．互助性
Ｃ．科学性
Ｄ．商品性
１０．财产保险的最初形式是（）。 Ａ．车辆保险 Ｃ．农业保险
Ｂ．死亡保险 Ｄ．火灾保险
得分１评卷人
二、多项选择题（每题３分，共３０分）
１１．保险的基本特征包括（ Ａ．经济性 Ｃ．互助性 Ｅ．科学性
Ｃ．维护公平竞争的市场秩序
Ｄ．维护保险体系的整体安全与稳定
Ｅ．促进保险业的健康发展
１９．保险规划的基本原则包括（
）。
Ａ．转移风险的原则
Ｂ．量力而行的原则
Ｃ．承保管理的严格性原则
Ｄ．高额损失优先原则
Ｅ．合理搭配险种的原则
２０．伤害，也称损伤，是指被保险人的身体受到侵害的客观事实。伤害由（
）三
个要素共同构成，三者缺一不可。
试卷代号：３９９２
座位号仁工口
国家开放大学２０２０年春季学期期末统一考试
风险管理与保险规划试题（开卷）
题号 分数
２０２０年７月 二｝三１四｝五｝总分
得分评卷人
一、单项选择题（每题２分，共２０分）
１ ．（）的人通常比较激进，喜欢或愿意承担风险。
Ａ．风险偏好型
Ｂ．风险中立型
Ｃ．风险厌恶型
Ｄ．保守思想者
２．风险管理的基本目标是以（）获得最大的安全保障。
Ｄ．政策保险
４ ．（），也称承保人、要保人，是与投保人订立合同，收取保险费，在保险事故发生时，对
被保险人承担赔偿损失责任的人。
Ａ．保险利益
Ｂ．保险人
Ｃ．投保人
Ｄ．被保险人
１８４７
５．人寿保险是以（）为保险标的的保险。
风险管理和保险规划测试卷A(答案)
风险管理和保险规划测试卷(A)答案及解析一、单项选择题1．答案：B解析：风险损失是指偶然发生的、非预期的经济价值的减少或灭失。
在保险实务中，一般将损失分为两种形态，即直接损失和间接损失。
直接损失又称为实质损失，是指风险事故导致的财产本身损失和人身伤害；间接损失是指由直接损失而引起的其他损失，包括额外费用损失、收入损失和责任损失等。
2．答案：D解析：风险与保险有着非常密切的关系，包括：(1)风险是保险产生和发展的前提；(2)保险对风险管理也有着实质的影响；(3)风险与保险存在着互制互促的关系。
3．答案：B解析：损失控制，是指人们在面临潜在的风险时，采取措施来控制风险：在风险发生之前，消除风险发生的条件，降低风险发生的概率；在风险发生之后，采取有效的措施，将风险造成的损失减少到最低限度。
题中所述属于风险发生前采取的控制措施。
4．答案：D解析：基本风险是指特定的个人所不能控制或者预防的风险，它是由非个人的、或是个人不能阻挡的因素所引起的风险，涉及范围通常较大，对整个团体乃至社会产生影响。
特定风险是指与特定的社会个体有因果关系的风险，它通常由特定的因素引起，是由个人或家庭、企业来承担的损失风险，不影响整个团体和社会。
火灾、爆炸、盗窃均属于特定风险，地震属于基本风险。
5．答案：C解析：从经济角度看保险，保险是一种经济行为，保险是一种金融行为，保险是一种分摊损失的财务安排。
从法律角度看保险，保险是一种合同行为，保险双方的权利义务在合同中约定，保险合同中所载明的风险必须符合特定的要求。
6．答案：D解析：相互保险组织中的众人协力体现的互助共济关系是一种直接的互助共济关系。
因为这种保险组织的成员都是考虑有同一风险的多数人所组成。
他们中的每一成员，即是被保险者也是共保人之一。
而除其成员之外，其所体现的互助共济关系是一种间接互助共济关系。
因为组成这种互助关系的千万个保险合同并非在投保者之间订立，而是投保者分别与保险公司建立合同关系。
风险管理期末考试题及答案
风险管理期末考试题及答案一、选择题（每题2分，共20分）1. 风险管理的主要目标是什么？A. 减少风险发生的概率B. 降低风险带来的损失C. 预防风险的发生D. 以上都是2. 以下哪项不是风险管理的基本步骤？A. 风险识别B. 风险评估C. 风险控制D. 风险接受3. 风险矩阵通常用于哪种风险评估方法？A. 定性分析B. 定量分析C. 风险规避D. 风险转移4. 风险评估中，以下哪个指标通常用来衡量风险的严重性？A. 风险频率B. 风险概率C. 风险影响D. 风险成本5. 以下哪个不是风险管理的工具？A. 保险B. 风险基金C. 风险规避D. 风险预算二、简答题（每题10分，共30分）6. 简述风险管理在企业运营中的重要性。
7. 描述风险识别的一般过程。
8. 解释什么是风险转移，并举例说明。
三、案例分析题（每题25分，共50分）9. 假设你是一家制造企业的首席风险官，公司最近面临原材料价格波动的风险。
请分析并提出一套完整的风险管理策略。
10. 某建筑公司在施工过程中，发现存在潜在的工程质量问题。
请分析如何通过风险管理来降低此类风险的发生。
风险管理期末考试题答案一、选择题1. D2. D3. B4. C5. D二、简答题6. 风险管理在企业运营中的重要性体现在：确保企业能够持续稳定地发展，通过识别、评估和控制风险，减少不确定性对企业运营的负面影响；帮助企业做出更明智的决策，合理分配资源，提高企业竞争力。
7. 风险识别的过程一般包括：收集相关信息，确定风险来源，分类风险类型，建立风险清单，以及风险的初步评估。
8. 风险转移是指企业通过合同或其他方式将风险转移给第三方，如通过保险将风险转移给保险公司，或者通过外包服务将风险转移给服务提供商。
三、案例分析题9. 针对原材料价格波动的风险管理策略可以包括：多元化采购渠道，以减少对单一供应商的依赖；采用期货合约锁定原材料价格，减少价格波动的影响；建立风险基金，用于应对原材料价格的突然上涨；与供应商建立长期合作关系，争取更优惠的价格和供应保障。
风险管理与保险试题
风险管理与保险试题----------------------------------------------------------------------------------------------------------------------- 一、单选题（25题，2分/题，共50分）1．下列关于风险因素的说法中，错误的是（）。
A．风险因素是风险事故发生的潜在原因B．风险因素从性质上可分为有形风险因素和无形风险因素C．保险人对因投保人的道德风险因素引起的经济损失不承担赔偿责任D．保险人对因投保人的道德风险因素引起的经济损失承担赔偿责任2．在现代商业保险中，符合保险人承保条件的特定风险一般被称为（）。
A．特别风险B．可保风险C．理想风险D．损失风险3．数个保险人就同一保险利益、同一风险共同缔结保险合同的保险被称为（）。
A．重复保险 B．合作保险C．互助保险D．共同保险4．在机动车辆损失保险中，保险金额的确定一般有三种方式，其中不包括（）。
A．投保时的新车购置价B．投保时的实际价值C．按投保时的新车购置价协商确定D．按出险时的实际价值5．由于人们的粗心大意和漠不关心，以至增加了风险事故发生机会并扩大损失程度的风险因素称为（）。
A．道德风险B．过失风险C．心理风险D．人为风险6．下列各项财产中，属于企业财产保险的特约可保财产的是（）。
A．建筑物B．码头C．土地D．矿藏7．机动车辆保险基本险之一的车辆损失险的主要赔偿实现方式是（）。
A．现金赔偿B．重置车辆C．修复车辆D．更换车辆8．机动车辆保险的基本险包括（）。
A．车辆损失险和全车盗抢险 B．车辆损失险和车上责任险C．车辆损失险和第三者责任险D．车辆损失险和车辆停驶损失险9．在机动车辆第三者责任保险中，每次事故保险人承担赔偿责任的最高限额叫（）。
A．保险金额B．保险责任C．赔偿限额D．赔偿责任10．在财产保险业务中，有一种以被保险人对第三者依法应负的赔偿责任为保险标的的保险被称为（）。
保险公司的风险管理考核试卷
考生姓名：________________答题日期：____/____/______得分：_________________判卷人：_________________
一、单项选择题（本题共20小题，每小题1分，共20分，在每小题给出的四个选项中，只有一项是符合题目要求的）
1.保险公司风险管理的首要步骤是（）
A.公司治理结构
B.服务质量
C.品牌形象
D.公关危机处理
11.以下哪些是衡量保险公司风险管理效果的指标？（）
A.风险调整后的资本回报率
B.风险价值（VaR）
C.损失率
D.资本充足率
12.保险公司在面对法律合规风险时应采取的措施包括（）
A.定期进行合规检查
B.建立合规培训制度
C.制定合规管理政策
D.严格执行法律法规
B.责任风险
C.市场风险
D.操作风险
5.在风险评估中，哪项措施是用来衡量极端损失情况的？（）
A.风险概率
B.损失程度
C.风险值（VaR）
D.置信区间
6.下列哪种风险通常通过再保险进行管理？（）
A.操作风险
B.责任风险
C.自然灾害风险
D.利率风险
7.以下哪项不属于保险公司风险管理部门的职责？（）
A.制定风险管理策略B源自流动比率C.资本充足率D.损失率
11.下列哪项不是操作风险的类型？（）
A.内部流程风险
B.人员风险
C.法律和合规风险
D.市场风险
12.在风险管理中，哪项措施是指避免或退出某一业务领域？（）
A.风险规避
B.风险保留
C.风险控制
D.风险转移
13.以下哪项不是保险公司面临的财务风险？（）
风险管理与保险全套习题含答案(大学期末复习资料)
CHAPTER 1Introduction to RiskTrue-False1. A peril is a contingency that can cause a loss.ANSWER: T2. An objective risk is the risk based on the mental state of an individual who experiencesuncertainty as to the outcome of an event.ANSWER: F3. Pure risk exists when there is uncertainty as to whether loss will occur.ANSWER: T4. If a loss is certain to occur, objective risk is zero.ANSWER: T5. As the probability of an event occurring increases, the degree of objective risk also increases.ANSWER: F6. Doing nothing about a risk exposure is a viable risk management technique.ANSWER: T7. Enterprise risk management is concerned solely with the management of exposures to pure risks.ANSWER: F8. As the number of exposure units increases, the degree of risk increases.ANSWER: F9. As the chance of loss increases, the variation of actual from expected losses tends to increase ifthe number of exposures remains the same.ANSWER: F10. Employee theft is an example of a morale hazard.ANSWER: F11. The long-run chance of occurrence or relative frequency of a loss is defined to be the degree ofrisk.ANSWER: F12. The threat of Congress enacting a costly environmental regulation is an example of a risk that isboth pure and dynamic.ANSWER: T13. The purchase of a stock that has little chance of earnings growth or price appreciation is anexample of the assumption of a speculative risk.ANSWER: T14. The degree of subjective risk is easily measured.ANSWER: F15. The term objective risk is most often used in connection with pure static risks.ANSWER: T16. If two companies have the same number of exposure units and experience the same averagenumber of losses, then the degree of risk for each company tends to be equal.ANSWER: F17. The degree of risk is essentially the same concept as the chance of loss.ANSWER: F18. Fire is an example of a physical hazard.ANSWER: FMatchinga. Dynamic risks 1. _________________ is the process of systematically managingrisks through the following steps: identifying risks, evaluatingrisks, selecting risk management techniques, and implementingand reviewing decisions.b. Financial risk 2. A/An _________________ is a contingency that can cause a loss.c. Hazards 3. _________________ is uncertainty regarding loss.d. Integrated risk management 4. Probable variation of actual from expected losses divided by theexpected loss is the _________________.e. moral hazard 5. _________________ does not include a chance of a gain andinvolves only uncertainty as to whether loss will occur.f. morale hazard 6. A/An _________________ is associated with intentional actionsdesigned to either cause a loss or increase the severity of a loss.g. objective risk 7. _________________ involves uncertainty as to whether a gain ora loss will occur.h. peril 8. _________________ arises from psychological uncertainty that isbased on an individual’s mental attitude or state of mind.i. Pure risk 9. _________________ are conditions that introduce or increase theprobability of a loss stemming from the existence of a given peril. j. Risk 10. _________________ are caused by societal changes.k. Risk management 11. The mental attitude of a careless or accident prone person isreferred to as _________________.l. Speculative risk 12. _________________ are those that would exist in an unchangingsociety that is in stable equilibrium.m. Static risk 13. A risk management approach in which an organization'sspeculative and pure risks are both considered together is knownas either enterprise or _________________ risk management.n. Subjective risk 14. Credit risk, commodities, and interest rate risks are all examplesof _________________.ANSWERS:1. l2 i3 k4 h5 j6 f7 m8 o9 d10 a11 k12 g13 n14 b15 e16 cMultiple Choice1. Examples of physical hazards includea. a building fireb. a building fire, oily rags, and a dishonest employeec.oily rags and a gas leakd. a dishonest employee.ANSWER: C2. Expressed as a percentage, what is the degree of objective risk if a company owns 1,000 cars,has averaged 25 collision losses per year, the collision losses will very likely range between 20and 30, and last year’s loss experience was 23?a.43.5 percentb.92.0 percentc.25.0 percentd.40.0 percent.ANSWER: D3. Which of the following are steps in the four-step risk management process described in the text?a.select risk management techniques and purchase insurance on selected risksb.select risk management techniques and identify risksc.select risk management techniques, purchase insurance on selected risks, and identify risksd.identify risks and analyze severity of expected losses.ANSWER: B4. Risk is defined asa.uncertainty concerning lossb.the probable variation of actual from expected experiencec.the long-run chance of occurrence or relative frequency of lossd. a specific contingency that may cause loss.ANSWER: A5. In which of the following towns is the degree of objective risk from the peril of fire the highest?a.Town A has 10,000 homes with an average loss of 2 percent and a range of 100-250 lossesper yearb.Town B has 100,000 homes with an average loss of 5 percent and a range of 400-500 lossesper yearc.Town C has 1,000 homes with an average loss of 1 percent and a range of 7-15 losses peryeard.Town D has 10,000 homes with an average loss of 3 percent and a range of 150-350 lossesper year.ANSWER: C6. Risk can be categorized asa.objective-subjective and perils-hazardsb.objective-subjective, physical-moral-morale, and pure-speculativec.objective-subjective and pure-speculatived.objective-subjective, physical-moral-morale, pure-speculative, and perils-hazards.ANSWER: C7. Pure risk may be said to create an economic burden in all except which of the following ways?a.reserve funds may be necessitated that may not yield the highest rate of return available,b.pure risk can result in feelings of mental unrest and worry that can drain human energiesc.pure risk results in gambling, which is a destructive social forced.pure risk may deprive society of certain goods or services determined to bear excessive risk.ANSWER: C8. Which of the following does not involve a moral hazard?a. a dishonest employeeb.an employee known to falsify personal injury claimsc. a driver who drives recklessly because he feels that any damage to his car will be covered byinsuranced. a building owner who is considering torching the building.ANSWER: C9. The formula used to calculate the degree of objective risk isa.probable variation of actual from expected losses divided by the expected lossb.expected loss multiplied by the quantity 1 minus variance divided by expected lossc.range of reasonable loss expectation divided by actual loss experienced.expected losses minus probable losses divided by the range of actual losses experienced.ANSWER: A10. Which one of the following is not a risk management technique that a risk manager willtypically choose for managing pure risks?a.purchase insurance to cover a risk exposureb.do nothing about a risk exposurec.sell a high risk investment to purchase one of lower riskd.establish a reserve fund.ANSWER: C11. A peril that relates to a dynamic risk isa.an earthquakeb. a riotc.deathd.an increase in the consumption of cholesterol by society.ANSWER: B12. An insurer is least likely to insurea.static riskb.pure riskc.objective riskd.speculative risk.ANSWER: D13. Under which of the following conditions will objective risk decrease, assuming everything elseremains constant?a.the number of exposure units increasesb.the chance of loss decreasesc.the number of exposure units decreasesd.the probable variation of actual from objective losses increases.ANSWER: A14. A peril that involves pure risk isa. a building fire that burns one of several company owned office buildingsb.the purchase of a stock with a high degree of price fluctuationc. a competitor’s attempt to take market share from a businessd.betting that the Dallas Cowboys will win the Super Bowl at the beginning of the footballseason.ANSWER: A15. Which of the following represent hazards that affect the level of Company ABC’s liability risk?a. a large amount of debt in comparison with the level of ABC’s assets and an award of ajudgment against ABCb.an award of judgment against ABC and the frequent occurrence of slippery spills on thefloor of ABC’s personnel departmentc.the frequent occurrence of slippery spills on the floor of ABC’s personnel department and aparticularly toxic waste product that is temporarily stored in a vacant lot next to a largechemical factoryd.an award of judgment against ABC and a particularly toxic waste product that is temporarilystored in a vacant lot next to a large chemical factory.ANSWER: CCHAPTER 2Risk Identification and EvaluationTrue-False1.Loss exposure checklists cannot be tailored to specific industries.ANSWER: F2.A financial statement analysis would include a review of a long range strategic plan.ANSWER: T3.Outside suppliers can be added to a company’s flowcharts.ANSWER: T4.Risk managers can discover previously unidentified loss exposures from on-site inspections.ANSWER: T5.Risk management information systems can analyze claim payments, accident causes, and safetyprograms. (The risk manager does these things, not the RMIS.)ANSWER: F6.Risk managers should leave contract analysis for potential risks to the company’s attorney.ANSWER: F7. If all risk identification methods are properly used, all loss exposures can be identified.ANSWER: F8. The maximum possible loss to a firm with $200,000 in assets is $200,000.ANSWER: F9. Liability losses outside the United States are not as likely to happen as those inside thecountry.ANSWER: T10. The binomial distribution is used to evaluate partial losses.ANSWER: F11. The main difference between the Poisson distribution and the normal distribution is that oneinvolves continuous variables while the other involves discrete variables.ANSWER: F12. As the number of exposure units increases the loss exposure becomes less risky, all else the same.ANSWER: T13. A loss exposure and a pure risk are the same thing.ANSWER: F14. One method to identify loss exposures is the Poisson analysis.ANSWER: F15. Risk mapping considers both risk frequency and risk severity. ANSWER: TMatchinga. Adjusted return on capital 1. _________________ involves analyzing each item on a firm’sincome statement and balance sheet regarding risks that may be present.b. contractual liability 2. A/An _________________ maps out the physical flow of goodsand can be analyzed with respect to the types of risks that mayaffect the goods at each point.c. expected value 3. A/An _________________ enumerates various specific sources ofloss.d. financial statement analysis 4. The _________________ of a group of losses represents theaverage of all losses.e. flowchart 5. The _________________ represents the middle value when valuesare arranged from smallest to largest.f. law of large numbers 6. The _________________, which is the square root of the variance,is a measure of variability.g. loss exposure checklist 7. Under the concept of _________________, one’s liability may beimputed to another by contract.h. maximum possible loss 8. The _________________ of a collection of observations is definedas the observed value with the largest relative frequency.i. mean 9. Among other things, a _________________ analyzes past lossesand forecasts future losses with the use of computers.j. median 10. The _________________ states that the greater the number ofexposure units insured, the greater the accuracy in the predictionof future losses by the insurer.k. mode 11. The _________________ is another term that describes the meanof a group of values.l. risk management information system 12. By calculating the _________________, the firm can determinethe extent to which the firm is exposed to a particular loss.m. standard deviation 13. _________________ analysis constructs probability distributionsof risks and combinations of risks to estimate the risk of loss atdifferent probability levels.n. Value at risk 14. _________________ assesses how much capital would be requiredto keep the probability of bankruptcy below a specified level.ANSWER:1 d2 e3 g4 i5 j6 m7 b8 k9 l10 f11 c12 h13 n14 aMultiple Choice1.Which approach is not used by risk managers to identify and evaluate risks?a.contract analysisb.risk mappingc.financial discriminationd.on-site inspections.ANSWER: C2.Which method would be more useful to discover a dollar estimate of losses?a.flowchartsb.financial statement analysisc.contract analysisd.statistical analysis.ANSWER: B3.Which combination of methods would be best to identify as many loss exposures as possible for anorganization?a.flowcharts and contract analysisb.on-site inspections, statistical analysis, and contract analysisc.financial statement analysis, statistical analysis, and on-site inspectionsd.all the methods combined.ANSWER: D4.The Goode Company has a plant in Newark, New Jersey, and a plant in upstate New York. Thecompany has had many prior damage losses due to riots in the Newark plant in the past, but no similar losses in the New York plant. The possibility of the riot losses in the New York plant are considered remote. There have been reports of community tensions in Newark recently.What is the maximum probable loss due to riots to the plants?a.There is no maximum probable loss because nothing has happened yetb.T he maximum probable loss is complete damage to both plantsc.The maximum probable loss is minor damage to the plant in Newarkd.T he maximum probable loss is complete destruction of the plant in Newark.ANSWER: C5.In the past, Traci e’s Ceramics has averaged 5 injuries among her 30 employees per year. What’s theprobability of an employee injury this year?a.0.1667b.16.67c. 6.67d.none of the above.ANSWER: A6.Which of the following uses is not a usual function of a RMIS?a.claims managementb.report generationc.catastrophe predictiond.adjuster performance monitoring.ANSWER: C7.Consider the following numbers that range from 10 to 40 (10, 14, 23, 23, 30, 36, 40) and theirprobabilities (.20, .10, .05, .20). Name the median, mean, mode, and the expected valuerespectively.a.23, 23, 23, and 25b.23, 24, 23, and 25.3c.23, 24.3, 24, and 26d.23, 25.3, 23, and 30.ANSWER: A8.What is the best number of exposure units for Cofield Drugs in estimating the actual loss frequency oftheir 100-vehicle automobile fleet?a.100b.92c.1,000d.infinite.ANSWER: D9.The Cookie Company (CC) has 1,200 employees and the chance of an injury to employees is 0.05.Suitmaker Lauren Alexander (LA) has 750 employees and the chance of an injury to employees is 0.08. The possible variation of losses for both are 34 and 40, respectively. What is theobjective risk of both companies, and which is more risky?a. 46.6% for CC, 56.7% for LA; LA is more riskyb. 56.6% for CC, 66.7% for LA; LA is more riskyc. 56.6% for CC, 46.7% for LA; CC is more riskyd. 46.6% for CC, 66.7% for LA; CC is more riskyANSWER: B10. Sharlene, the risk manager of Chief Rocking Records, has been asked to assist the corporatestrategy team in planning a new compact disk factor y. The team wants Sharlene’s input on how many CDs they should produce. Sharlene knows the losses are distributed normally, and theprobability of loss is 8%. She will use 2 standard deviations for the calculations. What is thenumber of exposure units needed for the actual loss to be within 10% of the expected?a. 4,300b. 4,600c. 4,900d. infinite.ANSWER: B11. Which theoretical distribution would be most appropriate to use for a large number of exposureunits (over 50) and the probability of loss is very small?a.normal distributionb.binomial distributionc.Poisson distributiond.fourier distribution.ANSWER: C12. Which theoretical distribution would be most appropriate to use for a small number of exposureunits (under 50) if there is no probability of a partial loss?a.normal distributionb.binomial distributionc.Poisson distributiond.fourier distribution.ANSWER: B13. Which measure of central tendency is used most often by risk managers?a.medianb.modec.standard deviationd.mean.ANSWER: D14. Sharon, the risk manager of Tracie’s Ceramics, wants to know more about the employee injuries ather firm. One loss was a wrist sprain that has a probability of 0.06. Another was a back sprainwith a probability of 0.07. Yet another was overinhalation of a hazardous substance with aprobability of 0.02. The other two were slips and falls with a probability of 0.13. If the amounts of the losses were $700, $3,000, $2,500, $950, and $950, respectively, what is the expectedvalue of an employee injury loss for that year?a.$500b.$749c.$549d.$1,249.ANSWER: C15. Dawson Products had 20 losses in 1999, 21 in 2000, 43 in 2001, 38 in 2002, and 29 in 2003.What is the standard deviation of losses?a.20.37b.333.56c.414.8d.151ANSWER: ACHAPTER 3Property and Liability Loss ExposuresTrue-False1. Oxanhorse fails to repair Bickley’s car on time which causes Bickley to be late for anappointment. As a result, Bickley loses an important contract. Oxanhorse is probably liable for the loss.ANSWER: F2. Loss through legal liability for harm caused to others is not a serious financial risk.ANSWER: F3. Insurance is available for intentional torts such as slander.ANSWER: T4. If Miller breaches a contract with Almaro, such a breach may be properly described as a tort.ANSWER: F5. Imputed liability is illustrated when one person is blamed for the negligence of another.ANSWER: T6. Fewer damage claims would probably be paid under the doctrine of comparative negligence thanunder the doctrine of contributory negligence.ANSWER: F7. Under the doctrine of res ipsa loquitur, a plaintiff may collect without proving negligence on thepart of the defendant.ANSWER: T8. Vicarious liability laws place the liability of the driver of an automobile on the owner.ANSWER: T9. Under workers’ compensation laws, the law of negligence is used to settle most claims.ANSWER: F10. The attractive nuisance doctrine may give the status of an invitee to a trespasser who is a child.ANSWER: T11. A manufacturer cannot usually be held liable for loss occurring because of the unsafe use of aproduct.ANSWER: T12. An agent may be held liable for an insolvent insurer.ANSWER: T13. The last clear chance rule is often used in medical malpractice cases.ANSWER: F14. A homeowner has an obligation to protect a licensee from harm.ANSWER: F15. It is all right for an attorney to mix personal funds with a client’s.ANSWER: F16. Clergy do not need professional liability insurance.ANSWER: F17. Under strict tort liability, the consumer must show that the manufacturer was negligent.ANSWER: F18. There are two major categories of property—real and personal.ANSWER: T19. There are two major types of property loss—direct and interruption.ANSWER: F20. The largest losses from single events are usually property losses.ANSWER: T21. Raw land is normally insured under property insurance contracts.ANSWER: F22. Few medical doctors have to worry about being sued for negligent behavior.ANSWER: F23. Regardless of how wrong a defendant may have been, if a suitable defense can be presented, thedefendant may be absolved.ANSWER: T24. Individuals are not responsible for diseases spread by their pets.ANSWER: F25. Completed operations insurance covers a contractor while working on a building.ANSWER: F26. Traditionally, courts have treated an automobile as if it were a dangerous instrumentality.ANSWER: F27. An employer may be held liable while an employee is driving a personal car on the employer’sbehalf.ANSWER: T28. Since many physicians are skilled specialists, they have little need for a good “bedside manner.”ANSWER: FMatchinga. attractive nuisance doctrine 1. A legal injury or wrong to another arising out of actions other thanbreach of contract in which courts will allow recovery in an action for damages is a/an _________________.b. collateral source rule 2. Failure to exercise the degree of care that is required by law is called_________________.c. direct loss 3. A/An _________________ is characterized by failure to do something.d. family-purpose doctrine 4. An act for which one is held responsible for the acts of another iscalled a/an _________________.e. guest-host statutes 5. The _________________ of the loss must be an unbroken chain ofevents between a person’s actions and the damage that occurs.f. hard market 6. The defense of contributory negligence can be refuted if the plaintiffcan show that the defendant had a/an _______________ before theaccident to avoid injuring the plaintiff.g. imputed act 7. The _________________ reduce the standard of care owed to apassenger in a car.h. Indirect loss 8. _________________ are individuals who are invited on the premisesfor their benefit as well as for that of the landlord or tenant.i. Invitees 9. Persons who have legitimate purpose on someone’s land but are notspecifically invited are called _________________.j. Lack of privity10. _________________ include all those other than invitees and licensees who are on the premises.k. last clear chance 11. The status of a trespasser may be changed to an invitee by the________________.l. Libel 12. Under the _________________ the owner of an automobile isresponsible for the use of that vehicle when it is driven by any memberof the family.m. licensees 13. In a _________________ premiums increase at a very rapid rate.n. negative act 14. In a _________________ premiums increase gradually or may evendecline.o. negligence 15. _________________ is land and all structures permanently attachedto land.p. Pain and suffering damages 16. _________________ is all other property, and so its primarycharacteristic is that it is not permanently attached to realproperty.q. Personal property 17. A _________________ occurs when there is damage to a property.r. proximate cause 18. _________________ occurs when a direct loss causes expenses toincrease or revenues to decline.s. Punitive damages 19. _________________ are designed to compensate the injured party forpain endured due to the negligent behavior of the defendant.t. Real property 20. _________________ are assessed when it is deemed that the defendantacted in a grossly negligent manner and deserves to be punished andmade an example of.u. Slander 21. _________________ involves written, printed, or pictorial materialthat damages a person’s reputation by defaming or ridiculing theperson.v. soft market 22. _________________ involves spoken words that are defamatory and/orinjurious to a person’s reputation.w. Superfund legislation 23. The _________________ is the actual person or organization liable fordamages.x. tort 24. The federal government established _________________ in order tohelp fund the cleanup of major pollution sites.y. tort feasor 25. The _________________ allows courts to ignore other sources fromwhich a plaintiff might receive indemnity for loss.z. Trespassers 26. _________________ is the premise that a manufacturer or vendor hasno liability for negligence unless it had a contractual relationship withthe injured party.ANSWER:1 x2 o3 n4 g5 r6 k7 e8 i9 m 10 z11 a12 d13 f14 v15 t16 q17 c18 h19 p20 s21 l22 u23 y24 w25 b26 jMultiple Choice1. One of the following is not an essential characteristic of a negligent act:a.the act is voluntaryb.the act is intentionalc.the act is negatived.the act is the proximate cause of the loss.ANSWER: B2. The trend toward absolute liability is illustrated by all but one of the following:a.passage, of workers’ compensation lawsb.weakening of common-law defensesc.guest-host lawsst clear chance rulee. the operation of the res ipsa loquitur doctrine.ANSWER: C3. If a pedestrian is injured by an object falling from a building, the owner is likely to be heldliable under the doctrine ofparative negligenceb.family purposec.respondeat superiord.res ipsa loquiture.contributory negligence.ANSWER: D4. An employer owes certain common-law duties to an employee, including all but one of thefollowing:a.to pay a just wageb.to warn of dangerc.to provide a safe place to workd.to employ competent fellow employeese.to provide appropriate tools.ANSWER: A5. A manufacturer has no liability for losses arising out of the use of faulty products unlessa.there was a contractual relationship between the manufacturer and the product userb.there was improper use of the productc.the product caused danger to the user when negligently manufacturedd.the retailer or wholesaler was also to blame for the accidente.the manufacturer is financially able to respond to damages.ANSWER: C6. Even a person who does not own a car may be held liable for its operation by others under thedoctrine ofa.respondeat superiorb.res ipsa loquiturc.family purposed.vicarious liabilitye.all of the above.ANSWER: A7. A is found to be 70 percent to blame and B 30 percent to blame in an accident in which Asuffers a loss of $ 1,000 and B suffers a loss of $ 10,000. Under the doctrine of comparativenegligence B recoversa.nothingb.$10,000c.$7,000d.$7,000 less 30 percent of A’s losse.none of the above.ANSWER: C8. In the previous question, if the law of contributory negligence were followed, B recoversa.nothingb.$10,000c.$7,000d.$7,000 less 30 percent of A’s losse.none of the above.ANSWER: A9. Under common law if both parties are to blame, they cannot collect from one another because ofthe doctrine ofst clear chanceb.contributory negligencec.assumed risk.ANSWER: B10. Owners of ball parks may defend themselves from lawsuits from fans injured by foul balls underthe doctrine ofa.assumed riskparative negligencec.contributory negligence.ANSWER: A。
风险管理与保险全套习题含答案（大学期末复习资料）
风险管理与保险全套习题含答案（大学期末复习资料）CHAPTER 1Introduction to RiskTrue-False1. A peril is a contingency that can cause a loss.ANSWER: T2. An objective risk is the risk based on the mental state of an individual who experiencesuncertainty as to the outcome of an event.ANSWER: F3. Pure risk exists when there is uncertainty as to whether loss will occur.ANSWER: T4. If a loss is certain to occur, objective risk is zero.ANSWER: T5. As the probability of an event occurring increases, the degree of objective risk also increases.ANSWER: F6. Doing nothing about a risk exposure is a viable risk management technique.ANSWER: T7. Enterprise risk management is concerned solely with the management of exposures to pure risks.ANSWER: F8. As the number of exposure units increases, the degree of risk increases.ANSWER: F9. As the chance of loss increases, the variation of actual from expected losses tends to increase ifthe number of exposures remains the same.ANSWER: F10. Employee theft is an example of a morale hazard.ANSWER: F11. The long-run chance of occurrence or relative frequency of a loss is defined to be the degree ofrisk.ANSWER: F12. The threat of Congress enacting a costly environmental regulation is an example of a risk that isboth pure and dynamic.ANSWER: T13. The purchase of a stock that has little chance of earnings growth or price appreciation is anexample of the assumption of a speculative risk.ANSWER: T14. The degree of subjective risk is easily measured.ANSWER: F15. The term objective risk is most often used in connection with pure static risks.ANSWER: T16. If two companies have the same number of exposure units and experience the same averagenumber of losses, then the degree of risk for each company tends to be equal.ANSWER: F17. The degree of risk is essentially the same concept as the chance of loss.ANSWER: F18. Fire is an example of a physical hazard.ANSWER: FMatchinga. Dynamic risks 1. _________________ is the process of systematically managingrisks through the following steps: identifying risks, evaluating risks, selecting risk management techniques, and implementingand reviewing decisions.b. Financial risk 2. A/An _________________ is a contingency that can cause a loss.c. Hazards 3. _________________ is uncertainty regarding loss.d. Integrated risk management 4. Probable variation of actual from expected losses divided by theexpected loss is the _________________.e. moral hazard 5. _________________ does not include a chance of a gain andinvolves only uncertainty as to whether loss will occur.f. morale hazard 6. A/An _________________ is associated with intentional actionsdesigned to either cause a loss or increase the severity of a loss.g. objective risk 7. _________________ involves uncertainty as to whether a gain ora loss will occur.h. peril 8. _________________ arises from psychological uncertainty that isbased on an individual’s mental attitude or state of mind.i. Pure risk 9. _________________ are conditions that introduce or increase theprobability of a loss stemming from the existence of a givenperil. j. Risk 10. _________________ are caused by societal changes.k. Risk management 11. The mental attitude of a careless or accident prone person isreferred to as _________________.l. Speculative risk 12. _________________ are those that would exist in an unchangingsociety that is in stable equilibrium.m. Static risk 13. A risk management approach in which an organization'sspeculative and pure risks are both considered together is knownas either enterprise or _________________ risk management.n. Subjective risk 14. Credit risk, commodities, and interest rate risks are all examplesof _________________.ANSWERS:1. l2 i3 k4 h5 j6 f7 m8 o9 d10 a11 k12 g13 n14 b15 e16 cMultiple Choice1. Examples of physical hazards includea. a building fireb. a building fire, oily rags, and a dishonest employeec.oily rags and a gas leakd. a dishonest employee.ANSWER: C2. Expressed as a percentage, what is the degree of objective risk if a company owns 1,000 cars,has averaged 25 collision losses per year, the collision losses will very likely range between 20and 30, and last year’s loss experience was 23?a.43.5 percentb.92.0 percentc.25.0 percentd.40.0 percent.ANSWER: D3. Which of the following are steps in the four-step risk management process described in the text?a.select risk management techniques and purchase insurance on selected risksb.select risk management techniques and identify risksc.select risk management techniques, purchase insurance on selected risks, and identify risksd.identify risks and analyze severity of expected losses.ANSWER: B4. Risk is defined asa.uncertainty concerning lossb.the probable variation of actual from expected experiencec.the long-run chance of occurrence or relative frequency of lossd. a specific contingency that may cause loss.ANSWER: A5. In which of the following towns is the degree of objective risk from the peril of fire the highest?a.Town A has 10,000 homes with an average loss of 2 percent and a range of 100-250 lossesper yearb.Town B has 100,000 homes with an average loss of 5 percent and a range of 400-500 lossesper yearc.Town C has 1,000 homes with an average loss of 1 percent and a range of 7-15 losses peryeard.Town D has 10,000 homes with an average loss of 3 percent and a range of 150-350 lossesper year.ANSWER: C6. Risk can be categorized asa.objective-subjective and perils-hazardsb.objective-subjective, physical-moral-morale, and pure-speculativec.objective-subjective and pure-speculatived.objective-subjective, physical-moral-morale, pure-speculative, and perils-hazards.ANSWER: C7. Pure risk may be said to create an economic burden in allexcept which of the following ways?a.reserve funds may be necessitated that may not yield the highest rate of return available,b.pure risk can result in feelings of mental unrest and worry that can drain human energiesc.pure risk results in gambling, which is a destructive social forced.pure risk may deprive society of certain goods or services determined to bear excessive risk.ANSWER: C8. Which of the following does not involve a moral hazard?a. a dishonest employeeb.an employee known to falsify personal injury claimsc. a driver who drives recklessly because he feels that any damage to his car will be covered byinsuranced. a building owner who is considering torching the building.ANSWER: C9. The formula used to calculate the degree of objective risk isa.probable variation of actual from expected losses divided by the expected lossb.expected loss multiplied by the quantity 1 minus variance divided by expected lossc.range of reasonable loss expectation divided by actual loss experienced.expected losses minus probable losses divided by the range of actual losses experienced.ANSWER: A10. Which one of the following is not a risk managementtechnique that a risk manager willtypically choose for managing pure risks?a.purchase insurance to cover a risk exposureb.do nothing about a risk exposurec.sell a high risk investment to purchase one of lower riskd.establish a reserve fund.ANSWER: C11. A peril that relates to a dynamic risk isa.an earthquakeb. a riotc.deathd.an increase in the consumption of cholesterol by society.ANSWER: B12. An insurer is least likely to insurea.static riskb.pure riskc.objective riskd.speculative risk.ANSWER: D13. Under which of the following conditions will objective risk decrease, assuming everything elseremains constant?a.the number of exposure units increasesb.the chance of loss decreasesc.the number of exposure units decreasesd.the probable variation of actual from objective losses increases.ANSWER: A14. A peril that involves pure risk isa. a building fire that burns one of several company ownedoffice buildingsb.the purchase of a stock with a high degree of price fluctuationc. a competitor’s attempt to take market share from a businessd.betting that the Dallas Cowboys will win the Super Bowl at the beginning of the footballseason.ANSWER: A15. Which of the following represent hazards that affect the level of Company ABC’s liability risk?a. a large amount of debt in comparison with the level of ABC’s assets and an award o f ajudgment against ABCb.an award of judgment against ABC and the frequent occurrence of slippery spills on thefloor of ABC’s personnel departmentc.the frequent occurrence of slippery spills on the floor of ABC’s personnel department and aparticularly toxic waste product that is temporarily stored in a vacant lot next to a largechemical factoryd.an award of judgment against ABC and a particularly toxic waste product that is temporarilystored in a vacant lot next to a large chemical factory.ANSWER: CCHAPTER 2Risk Identification and EvaluationTrue-False1.Loss exposure checklists cannot be tailored to specificindustries.ANSWER: F2.A financial statement analysis would include a review of a long range strategic plan.ANSWER: T3.Outside suppliers can be added to a company’s flowcharts.ANSWER: T4.Risk managers can discover previously unidentified loss exposures from on-site inspections.ANSWER: T5.Risk management information systems can analyze claim payments, accident causes, and safetyprograms. (The risk manager does these things, not the RMIS.)ANSWER: F6.Risk managers should leave contract analysis for potential risks to the company’s attorney.ANSWER: F7. If all risk identification methods are properly used, all loss exposures can be identified.ANSWER: F8. The maximum possible loss to a firm with $200,000 in assets is $200,000.ANSWER: F9. Liability losses outside the United States are not as likely to happen as those inside thecountry.ANSWER: T10. The binomial distribution is used to evaluate partiallosses.ANSWER: F11. The main difference between the Poisson distribution and the normal distribution is that oneinvolves continuous variables while the other involves discrete variables.ANSWER: F12. As the number of exposure units increases the loss exposure becomes less risky, all else the same.ANSWER: T13. A loss exposure and a pure risk are the same thing.ANSWER: F14. One method to identify loss exposures is the Poisson analysis.ANSWER: F15. Risk mapping considers both risk frequency and risk severity. ANSWER: TMatchinga. Adjusted return on capital 1. _________________ involves analyzing each item on a firm’sincome statement and balance sheet regarding risks that may be present.b. contractual liability 2. A/An _________________ maps out the physical flow of goodsand can be analyzed with respect to the types of risks that mayaffect the goods at each point.c. expected value 3. A/An _________________ enumerates various specific sources ofloss.d. financial statement analysis 4. The _________________ of a group of losses represents theaverage of all losses.e. flowchart 5. The _________________ represents the middle value when valuesare arranged from smallest to largest.f. law of large numbers 6. The _________________, which is the square root of the variance,is a measure of variability.g. loss exposure checklist 7. Under the concept of _________________, one’s liability may beimputed to another by contract.h. maximum possible loss 8. The _________________ of a collection of observations is definedas the observed value with the largest relative frequency.i. mean 9. Among other things, a _________________ analyzes past lossesand forecasts future losses with the use of computers.j. median 10. The _________________ states that the greater the number ofexposure units insured, the greater the accuracy in the predictionof future losses by the insurer.k. mode 11. The _________________ is another term that describes the meanof a group of values.l. risk management information system 12. By calculating the _________________, the firm can determinethe extent to which the firm is exposed to a particular loss.m. standard deviation 13. _________________ analysisconstructs probability distributionsof risks and combinations of risks to estimate the risk of loss atdifferent probability levels.n. Value at risk 14. _________________ assesses how much capital would be requiredto keep the probability of bankruptcy below a specified level.ANSWER:1 d2 e3 g4 i5 j6 m7 b8 k9 l10 f11 c12 h13 n14 aMultiple Choice1.Which approach is not used by risk managers to identify and evaluate risks?a.contract analysisb.risk mappingc.financial discriminationd.on-site inspections.ANSWER: C2.Which method would be more useful to discover a dollar estimate of losses?a.flowchartsb.financial statement analysisc.contract analysisd.statistical analysis.ANSWER: B3.Which combination of methods would be best to identify as many loss exposures as possible for anorganization?a.flowcharts and contract analysisb.on-site inspections, statistical analysis, and contract analysisc.financial statement analysis, statistical analysis, and on-site inspectionsd.all the methods combined.ANSWER: D4.The Goode Company has a plant in Newark, New Jersey, and a plant in upstate New York. Thecompany has had many prior damage losses due to riots in the Newark plant in the past, but no similar losses in the New York plant. The possibility of the riot losses in the New York plant are considered remote. There have been reports of community tensions in Newark recently.What is the maximum probable loss due to riots to the plants?a.There is no maximum probable loss because nothing has happened yetb.T he maximum probable loss is complete damage to both plantsc.The maximum probable loss is minor damage to the plantin Newarkd.T he maximum probable loss is complete destruction of the plant in Newark.ANSWER: C5.In the past, Traci e’s Ceramics has averaged 5 injuries among her 30 emp loyees per year. What’s theprobability of an employee injury this year?a.0.1667b.16.67c. 6.67d.none of the above.ANSWER: A6.Which of the following uses is not a usual function of a RMIS?a.claims managementb.report generationc.catastrophe predictiond.adjuster performance monitoring.ANSWER: C7.Consider the following numbers that range from 10 to 40 (10, 14, 23, 23, 30, 36, 40) and theirprobabilities (.20, .10, .05, .20). Name the median, mean, mode, and the expected valuerespectively.a.23, 23, 23, and 25b.23, 24, 23, and 25.3c.23, 24.3, 24, and 26d.23, 25.3, 23, and 30.ANSWER: A8.What is the best number of exposure units for Cofield Drugs in estimating the actual loss frequency oftheir 100-vehicle automobile fleet?a.100b.92c.1,000d.infinite.ANSWER: D9.The Cookie Company (CC) has 1,200 employees and the chance of an injury to employees is 0.05.Suitmaker Lauren Alexander (LA) has 750 employees and the chance of an injury to employees is 0.08. The possible variation of losses for both are 34 and 40, respectively. What is the objective risk of both companies, and which is more risky?a. 46.6% for CC, 56.7% for LA; LA is more riskyb. 56.6% for CC, 66.7% for LA; LA is more riskyc. 56.6% for CC, 46.7% for LA; CC is more riskyd. 46.6% for CC, 66.7% for LA; CC is more riskyANSWER: B10. Sharlene, the risk manager of Chief Rocking Records, has been asked to assist the corporatestrategy team in planning a new compact disk factor y. The team wants Sharlene’s input on how many CDs th ey should produce. Sharlene knows the losses are distributed normally, and theprobability of loss is 8%. She will use 2 standard deviations for the calculations. What is thenumber of exposure units needed for the actual loss to be within 10% of the expected?a. 4,300b. 4,600c. 4,900d. infinite.ANSWER: B11. Which theoretical distribution would be most appropriate to use for a large number of exposureunits (over 50) and the probability of loss is very small?a.normal distributionb.binomial distributionc.Poisson distributiond.fourier distribution.ANSWER: C12. Which theoretical distribution would be most appropriate to use for a small number of exposureunits (under 50) if there is no probability of a partial loss?a.normal distributionb.binomial distributionc.Poisson distributiond.fourier distribution.ANSWER: B13. Which measure of central tendency is used most often by risk managers?a.medianb.modec.standard deviationd.mean.ANSWER: D14. Sharon, the risk manager of Tracie’s Ceramics, wants toknow more about the employee injuries ather firm. One loss was a wrist sprain that has a probability of 0.06. Another was a back sprainwith a probability of 0.07. Yet another was overinhalation of a hazardous substance with aprobability of 0.02. The other two were slips and falls with a probability of 0.13. If the amounts of the losses were $700, $3,000, $2,500, $950, and $950, respectively, what is the expected value of an employee injury loss for that year?a.$500b.$749c.$549d.$1,249.ANSWER: C15. Dawson Products had 20 losses in 1999, 21 in 2000, 43 in 2001, 38 in 2002, and 29 in 2003.What is the standard deviation of losses?a.20.37。
风险管理期末考试试卷（B卷）及参考答案
风险管理期末考试试卷（B卷）及参考答案第一篇：风险管理期末考试试卷(B卷)及参考答案风险管理期末考试试题(B卷)一、单项选择题(本大题共20小题，每小题1分，共20分)在每小题列出的四个备选项中只有一个是符合题目要求的，请将其代码填写在题后的括号内。
错选、多选或未选均无分。
1.风险管理人员认为一辆价值20万元的汽车发生损失的可能性至少是千分之一，说明这辆汽车的()。
A.最大可能损失是20万元B.最大预期损失为20万元C.年度最大可能损失为20万元D.年度最大预期损失为20万元2.进行保险索赔时，以下负有损失举证责任的是()A.保险人B.被保险人C.保险代理人D.保险经纪人3．下列不属于风险的特征的是()A.客观性B.随机性C.偶然性D.可变性4.风险管理起源于()A.美国B.日本C.英国D.加拿大5.下列不属于损失资料图形描述的是()CA.条形图B.圆形图C.盒状图D.直方图6.重复保险的赔偿适合下列哪项原则()A.一次付清B.可变性C.分摊D.客观性7.保险理赔的第一步是()A.查勘定损B.给付保险金C.确定理赔责任D.损失处理8.损失概率在风险评估中有时间性和()A.完整性B.一致性C.系统性D.空间性9.风险管理的必要性有风险的代价和()A.人类的安全需要B.生存的需要C.企业自我实现的需要D.社会责任的需要10.专业人员为顾客提供劳务也要做到不损害他们的利益，属于企业责任风险中的（）A.雇主责任风险B.产品责任风险C.职业责任风险D.汽车责任风险11.从本质上说，风险转移和风险自留的结合是（）A.确定理赔金额B.选择保险险种C.议决投保程度D.选择保险机构12.团体保险的受保人一般是（）A.企业职工B.集体C.企业管理层D.企业法人代表13.样本3.5，9.7，3.5，6，2.8，2.7的众数是（）A.6B.7C.3.5D.1314.一揽子保险的形态特别多种保险表单和（）A.员工福利计划B.雇主一揽子计划C.业主一揽子保险计划D.退休金保险计划115.多米诺骨牌效应理论提出的年份是（）A.1920B.1930C.1910D.194016.有助于分析影响净收入各种因素的表是（）A.资产负债表B.损益表C.财产状态变动表D.流程图17.通常用来估测损失额的是（）A.正态分布B.泊松分布C.二项分布D.0-1分布18.放弃某一活动以回避风险的是（）A.风险避免B.风险控制C.风险抑制D.风险预防19.通常用于处理投机风险的是（）A.中和B.免责约定C.保证书D.承诺书20.下列不属于企业财产权益的是（）A.抵押权B.质权C.置留权D.承托人二、多项选择题(本大题共10小题，每小题2分，共20分)在每小题列出的五个备选项中至少有两个是符合题目要求的，请将其代码填写在题后的括号内。
风险管理与保险试题及答案
风险管理与保险----------------------------------------------------------------------------------------------------------------------- 一、单选题（25题，2分/题，共50分）1．在股票市场上买卖股票的风险属于（）。
A．纯粹风险 B．投机风险 C．责任风险 D．动态风险2．下列关于风险因素的说法中，错误的是（）。
A．风险因素是风险事故发生的潜在原因 B．风险因素从性质上可分为有形风险因素和无形风险因素C．保险人对因投保人的道德风险因素引起的经济损失不承担赔偿责任D．保险人对因投保人的道德风险因素引起的经济损失承担赔偿责任3．在现代商业保险中，符合保险人承保条件的特定风险一般被称为（）。
A．特别风险B．可保风险C．理想风险D．损失风险4．风险控制型处理方法是防患于未然的方法，下面哪一项不是常用的风险控制型处理方法 (C) A．风险回避B．损失控制C．通过衍生工具进行套期保值D．风险隔离5．按照保险金额的确定方式分类，保险合同的种类包括（）。
A．定额保险合同和补偿保险合同B．定值保险合同和定量保险合同C．单一保险合同和综合保险合同D．个别保险合同和集体保险合同6．权利人因义务人而遭受经济损失的风险是（）。
A．财产风险 B．人身风险 C．责任风险 D．信用风险7．两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8．保险合同特有的原则是（）。
A．最大诚信原则 B．保险利益原则 C．公平互利原则 D．守法原则9．在人身保险合同中，由被保险人或者投保人指定的享有保险金请求权的人是（）。
A．受益人 B．保险经纪人 C．保险人 D．投保人10．保险经纪人基于（）的利益，为投保人与保险人与订立保险合同提供中介服务，并依法收取佣金。
风险管理与保险学考试试题
风险管理与保险学考试试题第一部分：选择题1. 以下哪项不是风险管理的基本过程？A. 风险评估B. 风险控制C. 风险转移D. 风险假设2. 风险管理的目标包括以下哪些方面？A. 避免风险B. 减少风险C. 接受风险D. 转移风险3. 什么是保险合同中的第三人保险？A. 由保险公司与被保险人之间订立的合同B. 由保险公司与受益人之间订立的合同C. 由保险公司与第三人之间订立的合同D. 由保险公司与代理人之间订立的合同4. 以下哪种保险属于财产保险？A. 人寿保险B. 健康保险C. 意外险D. 车辆保险5. 风险管理中，风险转移的方式主要包括哪些？A. 再保险B. 合同转让C. 诉讼D. 担保第二部分：简答题1. 解释风险管理的概念和重要性。
风险管理是指通过识别、评估和处理各种风险，从而达到降低风险程度、防范风险和保护利益的目的。
在现代社会，各个组织和个人都面临各种各样的风险，如自然灾害、经济波动、战争等，因此风险管理的重要性不可忽视。
风险管理能够帮助组织和个人更好地应对风险，减少损失并提升竞争力。
2. 请阐述风险评估的步骤和方法。
风险评估的步骤包括风险识别、风险分析和风险评价。
风险识别是指收集和整理相关信息，确定可能的风险来源；风险分析是指对风险进行定性和定量分析，确定风险的严重程度和概率；风险评价是指对风险进行综合评估，判断其对组织或个人的影响程度。
风险评估的方法包括定性分析和定量分析。
定性分析主要依靠专家经验和判断，通过描述和评估风险的特征和影响来确定风险程度；定量分析则依靠数学和统计方法，通过数字化计算来量化风险程度，如风险值和风险指数等。
3. 请简要介绍保险合同的要素和种类。
保险合同的要素包括：合同当事人，即保险人和被保险人；保险标的，即保险合同所保的对象；保险金额，即保险合同的赔付限额；保险期间，即保险合同的有效期限；保险费，即被保险人支付给保险人的费用。
保险合同的种类主要有人身保险和财产保险两大类。
风险管理与保险试题及答案
风险管理与保险试题及答案1.在股票市场上买卖股票的风险属于投机风险。
2.错误的说法是保险人对因投保人的道德风险因素引起的经济损失不承担赔偿责任。
3.在现代商业保险中，符合保险人承保条件的特定风险一般被称为可保风险。
4.常用的风险控制型处理方法包括风险回避、损失控制和风险隔离。
5.保险合同的种类包括定额保险合同和补偿保险合同、定值保险合同和定量保险合同、单一保险合同和综合保险合同以及个别保险合同和集体保险合同。
6.权利人因义务人而遭受经济损失的风险是责任风险。
7.两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共同保险。
8.保险合同特有的原则是最大诚信原则、保险利益原则、公平互利原则和守法原则。
9.在人身保险合同中，由被保险人或者投保人指定的享有保险金请求权的人是受益人。
10.保险经纪人基于保险经纪人的利益，为投保人与保险人订立保险合同提供中介服务，并依法收取佣金。
11.按照比例责任分摊方式，甲、乙两家保险公司应分别承担的赔款是30万元和50万元。
12.机动车辆损失保险中，保险金额的确定一般有三种方式，其中不包括按出险时的实际价值。
13.下面有关保险代理制度的作用的说法中，错误的是有利于保险公司节约经营成本。
14.保险代理人与保险人之间明确双方所享有权利和承担义务的协议被称为保险代理合同。
15.属于企业财产保险的特约可保财产的是建筑物和码头。
16.家庭财产保险通常采用的赔偿方式是限额责任赔偿方式。
17.机动车辆保险的基本险包括车辆损失险和第三者责任险。
18.在机动车辆第三者责任保险中，每次事故保险人承担赔偿责任的最高限额叫赔偿限额。
19.货物运输保险常采用的方式是足额保险。
20.财产保险合同的首要原则是指损失补偿原则。
21.对于损失概率低但损失程度大的风险应该采用自留风险的风险管理方法。
22.就定期死亡保险而言，被保险人的死亡率越高，保险费率越高。
23.投保人将某些具有缺陷“潜伏期”的产品投保产品责任保险时，保险人应采用的承保基础是期内发生式。
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天津大学试卷专用纸
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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 12．风险的基本要素包括（ ）
A.风险因素
B.风险事故
C.风险处理
D.风险评估
E.风险损失
13．最大诚信原则的具体内容包括（ ）。
A.告知义务
B.保证
C.弃权和禁止反言
D.说明义务
E.保密义务 14．保险的基本职能包括（ ）
A.分散风险职能
B. 经济给付职能
C. 融资职能
D.损失补偿职能
E. 防灾防损职能 15．下列不属于人寿保险合同特点的是（ ）
A. 是补偿性合同
B.是给付性合同
C. 不具有代位求偿的合同
D.是短期性合同
二、辨析题（下列各题有对有错，对的打√；错的打×;并写出正确答案，每小题2分，共20分。
)
1．纯粹风险所导致的结果有三种，即损失、无损失和盈利。
（ ）
2．权利人因义务人而遭受经济损失的风险是责任风险。
（ ）
3．人身保险的保险利益必须在保险合同订立时存在，而不要求在保险事故发生时具有保6．近因是指时间上与它空间上离损失最近的原因。
（ ）
7．若保险金额高于实际损失，则保险赔偿应以实际损失为准。
（ ）
8．依代位求偿权取得第三人的赔偿金额超过保险人的赔偿金额，其超过部分应退还第三人。
（ ）
9.事故树中或门越多，得到的最小割集就越少，这个系统的安全性就越高；事故树中与门越多，得到的最小割集的个数就较多，这个系统也就越不安全。
（ ）
10. 如果A 、B 、C 三者的损失频率分别为0、0.5和1，则风险大小应当为A ﹤B ﹤C 。
（
）
三、计算题
1.某一工厂分别向甲、乙、丙三家保险公司投保火灾险，保险金额分别为45万元、18万元、12万元。
工厂的财产实际价值为50万元。
火灾后残值为10万元。
分别按比例责任、限额责任和顺序责任的方式分摊甲乙丙各自的赔偿额度。
（10分）
2.某事故树如图所示：
结合下表给出的事件状态集合，试求该事故树的最大割集、最小径集，以及基本事件X1
天津大学试卷专用纸
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