Insurance is the sharing of risks．Nearly everyone is exposed to risk of some sort．The house owner，for example，knows that his pro

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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。

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Insurance is the sharing of risks．Nearly everyone is exposed to risk of some sort．The house owner，for example，knows that his pro

银保监法律类

国家公务员

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