首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
公务员
Insurance is the sharing of risks.Nearly everyone is exposed to risk of some sort.The house owner,for example,knows that his pro
Insurance is the sharing of risks.Nearly everyone is exposed to risk of some sort.The house owner,for example,knows that his pro
admin
2020-02-28
38
问题
Insurance is the sharing of risks.Nearly everyone is exposed to risk of some sort.The house owner,for example,knows that his property can be damaged by fire;the ship owner knows that his vessel may be lost at sea;the breadwinner knows that he may die at an early age and leave his family the poorer.On the other hand,not every house is damaged by fire nor every vessel lost at sea.If these persons each put a small sum of money into a pool,there will be enough to meet the needs of the few who do suffer loss.In other words,the loss of the few are met from the contributions of the many.This is the basis of insurance.Those who pay the contribution are known as “insured” and those who administer the pool of contributions as “insurers”.
Not all risks lend themselves to being covered by insurance.Broadly speaking,the ordinary risks of business and speculation cannot be covered.The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated,and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the “policy”.This is the printed form of contract on paper of the best quality.It states that in return for the regular payment by the insured of a named sum of money,called the “premium”,which is usually paid every year,the insurer will pay a sum of money or compensation for loss,if the risk or event insured against actually happens.The wording of policies,particularly in marine insurance,often seems very old-fashioned,but there is a sound reason for this.Over a large number of years,many law cases have been brought to clear up the meaning of doubtful phrases in policies.The law courts,in their judegments,have given these phrases a definite and indisputable meaning,and to avoid future disputes.The phrases have continued to be used in polices even when they have passed out of normal use in speech.
The insurance of businesses’ ordinary risks is not possible because__________.
选项
A、such risks are very expensive
B、such risks cannot be estimated precisely
C、such risks are too high
D、the premium would be too high
答案
B
解析
细节题。第二段第二句“Broadly speaking,the ordinary risks of business and speculation cannot be covered.”指出“商业和投机的普通风险是无法涵盖的”这一事实,紧接着下一句说明了原因,即“The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated”,因此B项正确。A、C、D三项均属无中生有。故本题选B。
转载请注明原文地址:https://kaotiyun.com/show/TSkY777K
本试题收录于:
银保监法律类题库国家公务员分类
0
银保监法律类
国家公务员
相关试题推荐
随着快递业的发展,一些与快递有关的“黑科技”也初露端倪。其中,分拣机器人以其呆萌的外形走红网络。下列有火分拣机器人的说法错误的是:
踢猫效应是指对弱于自己或者等级低于自己的对象发泄不满情绪而产生的连锁反应。“踢猫效应”描绘的是一种典型的不良情绪的传染。人的不满情绪和糟糕心情,一般会沿着等级和强弱组成的社会关系链条依次传递,由金字塔尖一一直扩散到最底层,无处发泄的最弱小的那一个元素,则成
作战半径是指战机携带正常作战载荷,在不进行空中加油,自机场起飞,沿指定航线飞行,执行完任务后,返回原机场所能达到的最远单程距离。根据上述定义,下列关于作战半径的说法一定正确的是:
也许你很普通很低微,但不能仰视,要不,你会看不到自己,你会不相信自己存在的价值。也许你身居高位,名噪一时,但不要俯视,要不,你会重重地摔下,摔成一堆废弃的瓦砾。仰视与俯视往往是并存的。常常仰视人的人,在另一种场合,必定会________,仗势欺人;常常俯视
焦虑是一个人过于专注地思考一件事情导致的,那么,为了使这样的专注心理消除,我们必须要想办法分散自己的思维,等大脑忘记了你所焦虑的事情之后,再回过头来冷静对待事情。分散思维的办法有很多,可以通过行动去分散,也可以通过视觉分散,还可以通过语言来分散。各种分散办
携手共建“一带一路”,推动经济全球化进入新阶段这件大事绝非轻而易举,更不可能________。要准备进行具有许多新的历史特点的伟大斗争,准备应对种种可以预料和难以预料的风险。填入画横线部分最恰当的一项是:
我国佛教艺术驰名中外,云冈石窟、龙门石窟和莫高窟三大石窟举世皆知。以下关于三大石窟地理位置的描述,正确的是:
质权是担保的一种方式,指债权人与债务人或者债务人提供的第三人以协商订立书面合同的方式,转移债务人或者债务人提供的第三人的动产或者权利的占有,在债务人不履行债务时,债权人有权以该财产价款优先受偿。根据上述定义,下列行为属于质权的是:()
单位犯罪是指公司、企业、事业单位、机关、团体实施的危害社会的、依照法律规定应受惩罚的行为。根据上述定义。下列属于单位犯罪的是:()
随机试题
随机事件的概率P的取值范围是
生物-心理-社会医学模式是
热证多见湿热证多见
由国务院药品监督管理部门会同国务院卫生行政管理部门制定、调整并公布的药品目录是()
四川省某桥梁施工工地临边设施进行改造,在原来天然坡度约22。的岩石地表平整场地,即在原地表向下开挖近5m,并距水厂蓄水池3m左右,施工单位及水厂厂方为安全起见,通过熟人介绍,请了一高级工程师对扩建开挖坡角是否会影响水厂蓄水池安全作一技术鉴定。该高级工程师在
Excel工作表B6单元的内容为公式“=A5*$C$2”,若用命令将B6单元的内容移动到D8单元,则D8单元的公式为( )。
下列会计科目中,可能与“本年利润”成为对应科目的有()。
理财顾问业务的第一步是()。
皖南山区的核心是()。
某教师阅读了大量关于“合作学习”的文献,通过对学生的分析,决定在自己授课的高一(2)班就合作学习教学策略的运用进行教育教学研究,该教师宜采用的教育研究方法是()。
最新回复
(
0
)