exercise 10 风险管理和保险

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1、《工商导论》练习题—第十章风险管理和保险Exercise10:Chapter10RiskManagementandInsuranceI.Multiplechoice1.Thistypeofinsurancecoversbusinessagainstcustomersinjuredontheirpremises.__B____A.workmen’scompensationB.publicliabilityC.coinsuranceD.personalliability2.Thetypeoflifeinsurancethato

2、ffersinsuranceandsavingis:_B_____A.term.B.endowment.C.grouplife.D.straightlife.3.Abondthatprotectemployersfromemployeedishonestyiscalled:_A_____A.fidelity.B.bail.C.surety.D.liability.4.Asmallfirmthatwishestodealwiththeriskoflossbyfirewouldprobably:_C_____A.ignorei

3、t.B.self-insure.C.purchasefireinsurance.D.installawarningsystem.5.Whichisnotarecommendedmethodofdealingwithrisk?_C_____A.avoiditB.insureagainstitc.iignoreitD.reduceit6.Abusinessthatwantstoprotectitselfagainstnonperformanceofavendor’scontractwouldrequirethevendorto

4、furnisha:_D_____A.cashadvance.B.fidelitybond.C.publicliabilityinsurance.D.suretybond.7.Thetwobasictypesofriskare:__D____A.contingentandprobable.B.speculativeandprobable.C.preferredandspeculative.D.speculativeandpure.8.Whenapersonpurchasesstock,theinvestoristakingo

5、n:__B____A.purerisk.B.speculativerisk.C.uncontrolledrisk.D.probablerisk.9.Lifeinsuranceratesarestatisticallycalculatedthrough:__C____A.historiccosts.B.thebirthrate.C.mortalitytable(死亡率表)D.data-basedcosts.10.Intermsofminorrisks,businessesmayfavor：_C_____A.over-insu

6、ring.B.underinsuring.C.self-insuringD.maximizingcoverage.II.Explainthekeyconceptsandfillineachofthefollowingblankswithanappropriatewords1.riskmanagement风险管理Riskmanagementistheprocessofr______formofriskandmayatsometimefindthemselvesbeings______bysomeindividualorfir

7、mford______(theamountacourtawardsaplaintiffinasuccessfullawsuit).2.uninsurablerisks不可保风险Uninsurablerisksarethosethatfew,ifany,insurancecompanieswillagreetocover.Examplesincluded______,p______governmentactions,andg______economicconditions.Some5.1-9,,services,andmak

8、ethecitymoreattractive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-functionalpublictransportsy