20春学期《事故与保险》在线平时作业3

adminhan

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">当保险价格上升时，<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险业的预期利润率会减少</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险商品的供给会减少</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险商品供给者的数量会减少</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">人们对保险的需求会受到抑制</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">海上保险中，委付的前提条件是（　）</span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">被保险人向保险人提出书面申请</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人必须同意</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险标的实际全损</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">推定全损</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险保证金存放于<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险公司内</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险监督管理机构</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险监督管理机构指定的银行</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险公司选择的银行</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">刁某将自有轿车向保险公司投保，其保险合同中含有自燃险险种。一日，该车在行使中起火，刁某情急之下将一农户晾在公路旁的棉被打湿灭火，但车辆仍有部分损失，棉被也被烧坏。下列费用中，保险公司应承担赔偿责任的是<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">刁某误工费<span lang="EN-US">400</span>元</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">刁某乘其他车辆返回的交通费<span lang="EN-US">30</span>元</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">农户的棉被损失<span lang="EN-US">200</span>元</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">刁某的医疗费<span lang="EN-US">100</span>元</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">限额赔偿方式是指<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">按照保险金额和出险时保险标的的实际价值的比例来计算赔款的赔偿方式</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">只要损失在保险金额限度内，都按实际损失金额赔偿的方式</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人仅在保险金额限度内计算赔款的方式</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人仅在损失超过一定限度时才负赔偿责任的赔偿方式</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险与储蓄的区别在于<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险是处理经济不稳定的善后措施之一，而储蓄则不是</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">储蓄必须依靠多数人汇集资金才能实现，保险可以单独地、个别地进行</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">储蓄在给付和反给付之间，以成立个别均等关系为必要条件，保险则不必建立个别均等关系</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">针对意外事故导致的损失，储蓄的作用优于保险</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">李某在购买机票的同时购买了<span lang="EN-US">20</span>万元的飞机旅客意外伤害保险，指定其妻为受益人。李某有一子年幼，母亲年老无人照顾。飞机中途失事，李某死亡，该保险金应<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">作为遗产由李某的妻子、儿子、母亲共同继承</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">由李某的儿子与母亲共同享有</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">作为遗产由李某的妻子继承</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">给付给李某的妻子</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险经纪人在办理保险业务中因过错给被保险人造成损失的，承担赔偿责任的主体是<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人与保险经纪人</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">被保险人与保险经纪人</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">投保人与保险经纪人</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险经纪人</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA" lang="EN-US">2004</span><span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">年<span lang="EN-US">6</span>月，某企业就其生产用厂房向甲保险公司投保了为期<span lang="EN-US">2</span>年的足额财产保险，保险金额为<span lang="EN-US">100</span>万元。两个月后该企业以同一标的向乙保险公司投保了为期一年的同类保险。<span lang="EN-US">2004</span>年<span lang="EN-US">10</span>月，厂房因雷击倒塌，损失<span lang="EN-US">90</span>万元。下列表述正确的是（　）</span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">甲公司赔偿实际损失<span lang="EN-US">90</span>万元</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">甲、乙两公司各赔偿<span lang="EN-US">90</span>万元</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">甲、乙两公司各赔偿<span lang="EN-US">45</span>万元</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">乙公司赔偿实际损失<span lang="EN-US">90</span>万元</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">某印刷厂就其价值为<span lang="EN-US">1000</span>万元的印刷品投保企业财产保险，该保险为足额保险。在保险期限内，因突发洪水造成被保险印刷品损失<span lang="EN-US">70</span>％。此外，损害发生之际，被保险印刷品市场价值增至<span lang="EN-US">1200</span>万元，而事前该印刷厂与某公司签订购销合同，将上述印刷品以<span lang="EN-US">800</span>万元的价格出售。依据保险法原理，本案中印刷厂可以获得的保险金是<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA" lang="EN-US">560</span><span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">万元</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA" lang="EN-US">700</span><span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">万元</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA" lang="EN-US">800</span><span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">万元</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA" lang="EN-US">840</span><span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">万元</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险的基本职能有（　　　　　）</span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">分散风险</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">损失补偿</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">融资职能</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">防灾防损</span>
E:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">经济给付</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险监督管理机构在实施对保险公司的监督中发现违法行为，可以对其实行<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">整顿</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">接管</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">撤销具体保险业务</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">冻结资金</span>
E:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">宣告破产</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">下列选项中属于财产损失保险的有<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">家庭财产保险</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">运输货物保险</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">机动车第三者责任保险</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">信用保险</span>
E:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">农业保险</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">根据我国《保险法》的规定，下列关于保险公司设立的表述正确的有<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">注册资本采实缴货币资本</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">注册资本最低限额为<span lang="EN-US">l</span>亿元人民币</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">有具备任职专业知识和业务工作经验的高级管理人员</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">组织形式仅为国有独资公司</span>
E:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">采许可设立原则</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">王某与保险公司签订了一份家庭财产保险合同，由于过失，王某在回答保险公司询问的事项中有一项错误。对于其法律后果，下列说法正确的有（&nbsp;&nbsp;&nbsp;&nbsp;　）</span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">如果王某告知的不实事项非常重要，足以影响保险公司决定是否同意承保或者提高保险费率的，保险公司有权解除合同</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">如果王某告知的不实事项对保险事故的发生有严重影响，保险公司对已经发生的保险事故不承担赔偿或者给付保险金的责任</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">无论王某告知的不实事项对保险合同的影响如何，保险公司只要决定解除合同，就可以不退还保险费</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">如果王某告知的不实事项对保险合同的影响重大，他可以要求保险公司予以更正，保险公司不得解除合同</span>
E:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">无论王某告知的不实事项是否重要，只要保险合同签订满两年，则合同效力不容否定</span>

<p style="TEXT-ALIGN: left; LINE-HEIGHT: 150%; MARGIN: 0cm 0cm 0pt; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" class="MsoNormal" align="left"><span style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">我国《保险法》规定，设立保险公司，其注册资本必须符合的条件有<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)<o:p></o:p></span></span></p>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">最低限额为<span lang="EN-US">1</span>亿元人民币</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">最低限额为<span lang="EN-US">2</span>亿元人民币</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">最低限额为<span lang="EN-US">5</span>亿元人民币</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">必须为实缴货币资本</span>
E:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">必须为授权资本</span>

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">我国现行汽车和机动车辆保险的车辆损失险责任主要包括</span><span style="FONT-FAMILY: &quot;Times New Roman&quot;; FONT-SIZE: 12pt; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体" lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span>
A:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">碰撞责任</span>
B:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">非碰撞责任</span>
C:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">施救费用</span>
D:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保护费用</span>
E:<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">维修费用</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">当投保人与被保险人不是同一人时，保险合同的当事人指<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">投保人</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">被保险人</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">受益人</span>
E:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险代理人</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">下列选项中属于保险合同特约条款的有（&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 　）</span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">约束投保人行为的条款</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">约束被保险人行为的条款</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">扩大保险人承担的保险责任的条款</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险期限和保险责任开始时间的条款</span>
E:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">违约责任和争议处理的条款</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">下列关于重复保险的表述正确的有<span lang="EN-US">(<span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)</span></span>
A:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">重复保险的责任分摊只适用于财产保险</span>
B:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">重复保险的责任分摊只适用于人身保险</span>
C:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">重复保险的责任分摊既可适用于财产保险又可适用于人身保险</span>
D:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">重复保险的被保险人获得的保险赔偿金的总和不能超过保险事故所造成的实际损失</span>
E:<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">重复保险的保险金额总和不能超过保险价值</span>

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人为应付周期较长的巨额赔款而建立的准备金称为赔款准备金。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">投保单是由被保险人事先准备、具有统一格式的书据。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">回避某一类风险，可能面临另一类风险。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">由于海事诉讼往往牵涉到许多方面，诉讼过程旷日持久，国际海上保险业中普遍盛行代位求偿原则</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">回避风险可能造成利益受损。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">道德风险和行为风险均属于无形风险因素。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">保险人从第三人取得的赔偿，超过其支付的保险赔偿的，超过部分可以不退还给被保险人。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; COLOR: black; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">战争、地震、洪水等巨灾风险，一般被列为不可保风险。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">设立保险公司应当经国务院保险监督管理机构批准。</span>
A:错误
B:正确

<span style="FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-bidi-font-family: 宋体; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">在保险行业中，最终的市场价格是由保险市场的供求力量所决定的。</span>
A:错误
B:正确