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1、2006年《保险学原理》考卷答案标准（2004级保险、金融学本科生）Ⅰ.单项选择题（每小题1分，共10分）1.B2.B3.C4.D5.A6.D7.C8.B9.D10.AⅡ.多项选择（每小题2分，共20分）1.BCD2.AC3.ABD4.AB5.ACD6.ABCD7.ABC8.BCD9.BCD10.BDEⅢ.BriefAnswers（共24分）1．Whatisaninsurableinterest?Whyisaninsurableinterestrequiredineveryinsurancecontract?(6)Answers:(1)Aninsurableinterest
2、isoneofthefundamentalprinciplesofinsurance.Itstatesthattheinsuredmustbeinapositiontolossfinanciallyifalossoccurs,ortoincursomekindofharmifthelosstakeplace.Forexample,apersonhasaninsurableinterestinhisorhercarbecauseheorshemayloosefinanciallyifthecarisdamagedorstole.(2)Therearedifferencesbe
3、tweenaninsurableinterestinpropertyandliabilityinsuranceandlifeinsurance.Inpropertyandliabilityinsurance,eachofthefollowingsituationcansupportaninsurableinterest,namely,ownershipofproperty,potentiallegalliability,securedcreditorsandcontractualright.Inlifeinsurance,aninsurableinterestdoesnot
4、arisewhenapersonbuylifeinsuranceonherown.Insuchcasesasclosestiesofblood,marriage,thelegalguardians,theemployers,ect.,aninsurableinterestcanbemet.(3)Inpropertyinsurance,theinsurableinterestmustexistatthetimeoftheloss.Incontrast,inlifeinsurance,theinsurableinterestmustbemetonlyattheinception
5、ofthepolicy,notatthetimeofdeath.(4)Tobelegallyenforceable,allinsurancecontractsmustbesupportedbyaninsurableinterest.Thereasonsareasfollows:first,aninsurableinterestisnecessarytopreventgambling.Second,aninsurableinterestreducesmoralhazard.Third,inpropertyinsurance,aninsurableinterestmeasure
6、stheamountoftheinsured’sloss.2.Describethemajorpartsofaninsurancecontract?Listoutthemajortypesofexclusionstypicallyfoundininsurancecontracts.Whyareexclusionsusedbyinsurers?(6)Answers:(1)aninsurancecontractsgenerallycanbedividedintothefollowingparts:Declarations,Definitions,Insuringagreemen
7、t,Exclusions,Conditions,Miscellaneousprovisions.Notallinsurancecontractsnecessarilycontainallsixparts.4(2)Exclusionareanotherbasicpartofanyinsurancecontract.Therearethreemajortypesofexclusionsasfollows:first,excludedperils,thatisacontractmayexcludecertainperil
