发布时间 : 星期日 文章2015年10月自考保险学原理(00079)试题及答案解析更新完毕开始阅读3be3d53564ce0508763231126edb6f1afe00714c
letters and calls, and do practical things for the masses combine good, effective through reaching people at the service of the \he development of new energy, new General Secretary XI Jinping stressed development of innovation forest restructuring, revitalization of the old industrial bases in Northeast China is the State's major strategy, Central has issued comprehensive opinions of revitalizing Northeast China and other old industrial bases, the CPC Central Committee on revitalization in Northeast China were ... Vigorous determination does not waver, the work does not slacken off. Be firm with in the development has more to do with hard, and not muddle along, passive inaction. To rely on their own efforts, can't wait, can't wait, stand still. This not only provides new opportunities for development in our region, and gave us new requirements. We must seize the opportunity, full use of national policy, has to be more complicated, to start and target, give full play to the initiative of leading cadres at all levels, active, active, focusing on building new momentum for development, accelerating transformation of forest development. To implement the new development philosophy. Philosophy is the action guide, new ideas and new developments. Carrying out innovation, coordination and development of green, open, shared ideas, must be measurable, direct action with new development concepts, training cadres. In a new development concept as a yardstick. Established in line with the new concept of evaluation system and evaluation criterion, embodies the new development policy, organization, mandate implementation, always measured by the new development philosophy, continuous correction of forest transition course. In a new development concept for the path command. As part of the implementation of the new development philosophy followed and action guidelines, firmly adjusted, corrected and reject unsuitable, inappropriate and even against the new development ideas, behaviors and practices, more pragmatic approach based on a broad vision, and creatively carry out ecological construction, industrial development, improving people's livelihood, such as the work to ensure that new development ideas take root in forest areas. In a new development concept for weapon training cadre. Education leaders \new, nothing\cles, enhancing vitality and power. Combined development \ndustry\plementation \ngineering\big environment\ngthening on new development, and new economy concept of learning, and grasp and using, real put thought and action unified to new development concept up, at with new development concept armed himself, and guide practice, effective do advocate innovation, and focused on coordination, and advocate green, and thick plant open, and advance shared. Second, we must rely on Science and technology affects. echnical innovation is the promotion of economic transformation and upgrading, quality and efficiency \er\2015年10月高等教育自学考试福建省统一命题考试
保险学原理 试卷 需要答案解析的加球球
(课程代码 00079)
本试卷满分100分，考试时间l50分钟。 考生答题注意事项： 1．本卷所有试题必须在答题卡上作答。答在试卷上无效，试卷空白处和背面均可作草稿纸。 2．第一部分为选择题。必须对应试卷上的题号使用2B铅笔将“答题卡”的相应代码涂黑。 3．第二部分为非选择题。必须注明大、小题号，使用0．5毫米黑色字迹签字笔作答。 4．合理安排答题空间，超出答题区域无效。
第一部分 选择题
一、单项选择题(本大题共20小题，每小题l分，共20分)
在每小题列出的四个备选项中只有一个是符合题目要求的，请将其选出并将“答题卡” 的相应代码涂黑。未涂、错涂或多涂均无分。
1．相对免赔率是指保险财产的损失达到规定的免赔率时，保险人
A．对超过免赔率部分给予赔偿 B．按全部损失乘免赔率赔偿 C．按全部损失不作任何扣除赔偿 D．对免赔率以下部分赔偿 2．保费收入占国内生产总值之比是
A．保险深度 B．保险密度 C．保险额度 D．保险费率 3．意外伤害保险属于
A．补偿性合同 B．给付性合同 C．保障性合同 D．投资性合同
4．廖某将某一价值l00万元的房产作抵押，向某银行贷款90万元，银行准备将该抵押房 产投保火灾保险，则该银行对该抵押房产的保险利益额度为
A．45万元 B．50万元 C．90万元 D．100万元
5．在保险活动中，当保险标的发生推定全损时，投保人或被保险人将保险标的的一切权益 转让给保险人，而请求保险人按照保险金额全数赔付的行为称为
A．权利代位 B．代位求偿 C．索赔 D．委付 6．下列不属于企业财产保险中不保财产的有
A．厂房 B. 矿藏 C．土地 D．森林 7．把人寿保险分为死亡保险、生存保险和生死保险的标准是 A．有无利益分配 B．给付条件
C．保险金的给付方法 D．被保险人的风险程度 8．社会保障基金是
A．商业形式的保险基金 B．合作形式的保险基金 C．集中形式的保险基金 D．自留形式的保险基金 9．汽车刹车失灵会引起意外事故，这属于
A．主观风险因素 B．客观风险因素 C．心理风险因素 D．实质风险因素 10．在影响保险需求的因素中，保险购买者不能施加影响的因素是 A．强制保险 B．消费者爱好与偏好
ivelihood, is related to people's well-being and social harmony and stability. We need to protect and improve the livelihood of the people as the starting point and ending point of transition and improve forest people's feeling and happiness. To promote poverty relief and development work. Implementing poverty alleviation crucial project is a major strategic decision made by the CPC Central Committee, is also determined by the provincial %unify thinking and action to the requirements of the Central, provincial, resolutely win the poverty battle. The previous phase I to 18 stations, Tahe, Pine Ridge research, visited many of the poor, go, the heavier, more pressure. For poverty relief and development work, we must pay attention to it, always in mind, grasping hands, should not be blindly optimistic, there can be no slack. Poverty alleviation and development lies in precise, accurate. Present, in order to find out the real base of poor people as soon as possible, come up with feasible poverty standards, state card, built on the basis of document management. To firmly establish the \on\ncrease the intensity of resource integration, and related funding, with limited funds wisely. By using a combination of employment, entrepreneurship for poverty eradication poverty eradication, education, poverty alleviation, medical aid of poverty means, due to effects of policies, those policies, ensure the completion of mission objectives for poverty eradication for the year. To actively promote the construction of new towns. In February this year, promulgated by the State Council on further promoting urbanization construction of new opinions, proposed to adhere to the people-centered, four modernizations synchronization, optimization, ecology civilization and cultural heritage of new urbanization path with Chinese characteristics. According to district-wide construction of civilized city and the beautiful countryside, further strengthening of urban transport, water supply and drainage and sewage, waste disposal ground, underground, such as infrastructure construction, strive to create a safer and more livable environment. To actively seize the full stop and opportunities for poverty alleviation and development, further efforts to increase forest villages merge, population to the County (district) Council sites and centres concentrated in villages and towns. Combined development of urban construction and tourism industries, careful planning and construction of a number of suitable for residential and farm tour towns and villages, forming one village one product, a feature pattern. Closer to the masses. Since last year, our in-depth implementation of the leading cadres of grassroots masses at work, solve the problems of a large number of people, get the masses give wholehearted support to and praise, this work will carry on, absolutely cannot or movement. Grassroots masses and cadres in combination with poverty reduction, combined with the steady work ofletters and calls, and do practical things for the masses combine good, effective through reaching people at the service of the \he development of new energy, new General Secretary XI Jinping stressed development of innovation forest restructuring, revitalization of the old industrial bases in Northeast China is the State's major strategy, Central has issued comprehensive opinions of revitalizing Northeast China and other old industrial bases, the CPC Central Committee on revitalization in Northeast China were ... Vigorous determination does not waver, the work does not slacken off. Be firm with in the development has more to do with hard, and not muddle along, passive inaction. To rely on their own efforts, can't wait, can't wait, stand still. This not only provides new opportunities for development in our region, and gave us new requirements. We must seize the opportunity, full use of national policy, has to be more complicated, to start and target, give full play to the initiative of leading cadres at all levels, active, active, focusing on building new momentum for development, accelerating transformation of forest development. To implement the new development philosophy. Philosophy is the action guide, new ideas and new developments. Carrying out innovation, coordination and development of green, open, shared ideas, must be measurable, direct action with new development concepts, training cadres. In a new development concept as a yardstick. Established in line with the new concept of evaluation system and evaluation criterion, embodies the new development policy, organization, mandate implementation, always measured by the new development philosophy, continuous correction of forest transition course. In a new development concept for the path command. As part of the implementation of the new development philosophy followed and action guidelines, firmly adjusted, corrected and reject unsuitable, inappropriate and even against the new development ideas, behaviors and practices, more pragmatic approach based on a broad vision, and creatively carry out ecological construction, industrial development, improving people's livelihood, such as the work to ensure that new development ideas take root in forest areas. In a new development concept for weapon training cadre. Education leaders \new, nothing\cles, enhancing vitality and power. Combined development \ndustry\plementation \ngineering\big environment\ngthening on new development, and new economy concept of learning, and grasp and using, real put thought and action unified to new development concept up, at with new development concept armed himself, and guide practice, effective do advocate innovation, and focused on coordination, and advocate green, and thick plant open, and advance shared. Second, we must rely on Science and technology affects. echnical innovation is the promotion of economic transformation and upgrading, quality and efficiency \er\ C．收入 D．单个经济单位经济特点的影响 11．如果被保险人违反保证，
A．无论其是否有过失，保险人均可解除合同 B．只有其存在过失，保险人才能解除合同
C. 只有其给保险公司造成损失，保险人才能解除合同
D. 只有其存在过失，并给保险公司造成损失，保险人才能解除合同 12．保险人放弃合同中的某项条件而签订的保险合同，合同一经成立
A．保险人可以有条件再主张这项条件 B．保险人可以再主张这项条件
C. 保险人不得再主张这项条件 D．保险人可以无条件再主张这项条件 13．在出口信用保险中，对于汇率变动引起的风险，保险公司一般 A．给予承保 B．不予承保
C．视情况而定 D．都要求加费后方予承保
14．在损失发生后对损失事故进行调查，以确定保险责任归宿、赔偿金额等具体事项的中间 人是
A．保险经纪人 B．专用代理人 C．独立代理人 D．保险公估人 15．产生保险分摊的前提是
A．重复保险的存在 B. 不足额保险的存在 C．超额保险的存在 D．再保险的存在 16．人身保险属于
A．商业立法范畴 B．贸易立法范畴 C．经济立法范畴 D．社会立法范畴 17．再保险合同 A．只具有给付性
B．具有补偿性或给付性，视原保险合同的性质而定 C．既具有补偿性又具有给付性，二者同时具备 D．以补偿为原则，表现为分摊性 18．影响健康保险保费的因素是
A．残疾率、利率和费用率 B．残疾率、利率和汇率 C．残疾率和利率 D．残疾率和费用率
19．定期人寿保险期满后，可以改为其他长期保险险种，保险界将这种定期人寿保险称为 A．可变型寿险 B．可变型定期寿险 C．应变型寿险 D．两全保险 20．下列不属于再保险合同起始与终止情况的是
A．期满终止 B．特殊终止 C．给付终止 D．通知终止 二、多项选择题(本大题共l0小题，每小题2分，共20分)
在每小题列出的五个备选项中至少有两个是符合题目要求的，请将其选出并将“答题 卡”的相应代码涂黑。未涂、错涂、多涂或少涂均无分。 21．责任保险的主要险种是
A．公众责任险 B. 雇主责任险 C．职业责任险 D．产品责任险 E．雇员责任险 22．保险投资应遵循
A．法律性 B．安全性 C．保障性 D．赢利性 E．流动性 23．按经营目的分类，保险可分为
A．社会保险 B．非营利保险 C．强制保险 D．自愿保险 E．营利保险 24．我国《保险法》规定，保险公司应采取的组织形式是
ivelihood, is related to people's well-being and social harmony and stability. We need to protect and improve the livelihood of the people as the starting point and ending point of transition and improve forest people's feeling and happiness. To promote poverty relief and development work. Implementing poverty alleviation crucial project is a major strategic decision made by the CPC Central Committee, is also determined by the provincial %unify thinking and action to the requirements of the Central, provincial, resolutely win the poverty battle. The previous phase I to 18 stations, Tahe, Pine Ridge research, visited many of the poor, go, the heavier, more pressure. For poverty relief and development work, we must pay attention to it, always in mind, grasping hands, should not be blindly optimistic, there can be no slack. Poverty alleviation and development lies in precise, accurate. Present, in order to find out the real base of poor people as soon as possible, come up with feasible poverty standards, state card, built on the basis of document management. To firmly establish the \on\ncrease the intensity of resource integration, and related funding, with limited funds wisely. By using a combination of employment, entrepreneurship for poverty eradication poverty eradication, education, poverty alleviation, medical aid of poverty means, due to effects of policies, those policies, ensure the completion of mission objectives for poverty eradication for the year. To actively promote the construction of new towns. In February this year, promulgated by the State Council on further promoting urbanization construction of new opinions, proposed to adhere to the people-centered, four modernizations synchronization, optimization, ecology civilization and cultural heritage of new urbanization path with Chinese characteristics. According to district-wide construction of civilized city and the beautiful countryside, further strengthening of urban transport, water supply and drainage and sewage, waste disposal ground, underground, such as infrastructure construction, strive to create a safer and more livable environment. To actively seize the full stop and opportunities for poverty alleviation and development, further efforts to increase forest villages merge, population to the County (district) Council sites and centres concentrated in villages and towns. Combined development of urban construction and tourism industries, careful planning and construction of a number of suitable for residential and farm tour towns and villages, forming one village one product, a feature pattern. Closer to the masses. Since last year, our in-depth implementation of the leading cadres of grassroots masses at work, solve the problems of a large number of people, get the masses give wholehearted support to and praise, this work will carry on, absolutely cannot or movement. Grassroots masses and cadres in combination with poverty reduction, combined with the steady work ofletters and calls, and do practical things for the masses combine good, effective through reaching people at the service of the \hird, foster the development of new energy, new General Secretary XI Jinping stressed development of innovation forest restructuring, revitalization of the old industrial bases in Northeast China is the State's major strategy, Central has issued comprehensive opinions of revitalizing Northeast China and other old industrial bases, the CPC Central Committee on revitalization in Northeast China were ... Vigorous determination does not waver, the work does not slacken off. Be firm with in the development has more to do with hard, and not muddle along, passive inaction. To rely on their own efforts, can't wait, can't wait, stand still. This not only provides new opportunities for development in our region, and gave us new requirements. We must seize the opportunity, full use of national policy, has to be more complicated, to start and target, give full play to theinitiative of leading cadres at all levels, active, active, focusing on building new momentum for development, accelerating transformation of forest development. To implement the new development philosophy. Philosophy is the action guide, new ideas and new developments. Carrying out innovation, coordination and development of green, open, shared ideas, must be measurable, direct action with new development concepts, training cadres. In a new development concept as a yardstick. Established in line with the new concept of evaluation system and evaluation criterion, embodies the new development policy, organization, mandate implementation, always measured by the new development philosophy, continuous correction of forest transition course. In a new development concept for the path command. As part of the implementation of the new development philosophy followed and action guidelines, firmly adjusted, corrected and reject unsuitable, inappropriate and even againstthe new development ideas, behaviors and practices, more pragmatic approach based on a broad vision, and creatively carry out ecological construction, industrial development, improving people's livelihood, such as the work to ensure that new development ideas take root in forest areas. In a new development concept for weapon training cadre. Education leaders \he new, nothing\es, enhancing vitality and power. Combined development \nd implementation \engineering\nd create \nvironment\hening on new development, and new economy concept of learning, and grasp and using, real put thought and action unified to new development concept up, at with new development concept armed himself, and guide practice, effective do advocate innovation, and focused on coordination, and advocate green, and thick plant open, and advance shared. Second, we must rely on Science and technology affects. Tchnical innovation is the promotion of economic transformation and upgrading, quality and efficiency \er\ A．国有独资公司 B．有限责任公司 C．股份有限公司 D．相互保险公司 E．合伙制公司
25．田某向乙财险公司投保了一年期普通家庭财产保险，保险有效期内由于电冰箱质量问 题发生电线短路引发火灾，造成保险财产的严重损失。事后，田某向乙财险公司索赔 乙财险公司在赔偿田某后向电冰箱生产厂家行使代位求偿权的依据是 A．家庭财产损失的原因属予保险事故
B．火灾是第三者即电冰箱生产厂家的产品缺陷所致 C．乙财险公司已经赔偿了田某的损失 D．田某要求乙财险公司代其行使求偿权 E．田某愿意转让追偿权
26．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
A．碰撞责任 B．非碰撞责任 C．施救费用 D．保护费用 E．维修费用 27．在责任保险单中的责任免除项目有
A．被保险人雇员的人身伤害 B. 被保险人雇员的财务损失 C．被保险人的契约责任 D．被保险人的故意行为 E．被保险人租赁财产的损毁 28．现代保险的功能包括
A．经济补偿 B．资金融通 C．社会管理 D．社会和谐 E．社会福利 29．死亡之所以能够成为寿险公司的可保风险是因为其具备的条件是 A. 人的死亡可能会使一些人要么遭受损失，要么有机会获利 B．不同性别、不同年龄的人的死亡率是可以测算出来的 C．每个人可能会英年早逝，也可能长命百岁 D．所有人都面临死亡风险
E．人的死亡可能会使一些人有机会获利
30．方云为其妻购买了20万元人寿保险，指定受益人为他们的儿子方亚，若方云想变更受 益人，他需要做的工作有
A．征得方亚的同意 B．征得保险公司的同意
C. 征得妻子的同意 D．通知保险公司并办理批改手续 E．同时征得其妻和儿子方亚的同意
第二部分 非选择题
三、名词解释题(本大题共4小题，每小题3分，共l2分) 请在答题卡上作答。 31．保险利益 32．告知
33．不可争议条款 34．物上代位
四、简答题(本大题共5小题，每小题6分，共30分) 请在答题卡上作答。
35．简述保险与储蓄的区别。 36．简述保险合同的解释原则。 37．简述保险基金的主要形式。 38．简述交强险的赔偿责任。
ivelihood, is related to people's well-being and social harmony and stability. We need to protect and improve the livelihood of the people as the starting point and ending point of transition and improve forest people's feeling and happiness. To promote poverty relief and development work. Implementing poverty alleviation crucial project is a major strategic decision made by the CPC Central Committee, is also determined by the provincial %unify thinking and action to the requirements of the Central, provincial, resolutely win the poverty battle. The previous phase I to 18 stations, Tahe, Pine Ridge research, visited many of the poor, go, the heavier, more pressure. For poverty relief and development work, we must pay attention to it, always in mind, grasping hands, should not be blindly optimistic, there can be no slack. Poverty alleviation and development lies in precise, accurate. Present, in order to find out the real base of poor people as soon as possible, come up with feasible poverty standards, state card, built on the basis of document management. To firmly establish the \on\ncrease the intensity of resource integration, and related funding, with limited funds wisely. By using a combination of employment, entrepreneurship for poverty eradication poverty eradication, education, poverty alleviation, medical aid of poverty means, due to effects of policies, those policies, ensure the completion of mission objectives for poverty eradication for the year. To actively promote the construction of new towns. In Fbruary this year, promulgated by the State Council on further promoting urbanization construction of new opinions, proposed to adhere to the people-centered, four modernizations synchronization, optimization, ecology civilization and cultural heritage of new urbanization path with Chinese characteristics. According to district-wide construction of civilized city and the beautiful countryside, further strengthening of urban transport, water supply and drainage and sewage, waste disposal ground, underground, such as infrastructure construction, strive to create a safer and more livable environment. To actively seize the full stop and opportunities for poverty alleviation and development, further efforts to increase forest villages merge, population to the County (district) Council sites and centres concentrated in villages and towns. Combined development of urban construction and tourism industries, careful planning and construction of a number of suitable for residential and farm tour towns and villages, forming one village one product, a feature pattern. Closer to the masses. Since last year, our in-depth implementation of the leading cadres of grassroots masses at work, solve the problems of a large number of people, get the masses give wholehearted support to and praise, this work will carry on, absolutely cannot or movement. Grassroots masses and cadres in combination with poverty reduction, combined with the steady work of保险学原理试卷第 3 页共 6页
letters and calls, and do practical things for the masses combine good, effective through reaching people at the service of the \he development of new energy, new General Secretary XI Jinping stressed development of innovation forest restructuring, revitalization of the old industrial bases in Northeast China is the State's major strategy, Central has issued comprehensive opinions of revitalizing Northeast China and other old industrial bases, the CPC Central Committee on revitalization in Northeast China were ... Vigorous determination does not waver, the work does not slacken off. Be firm with in the development has more to do with hard, and not muddle along, passive inaction. To rely on their own efforts, can't wait, can't wait, stand still. This not only provides new opportunities for development in our region, and gave us new requirements. We must seize the opportunity, full use of national policy, has to be more complicated, to start and target, give full play to the initiative of leading cadres at all levels, active, active, focusing on building new momentum for development, accelerating transformation of forest development. To implement the new development philosophy. Philosophy is the action guide, new ideas and new developments. Carrying out innovation, coordination and development of green, open, shared ideas, must be measurable, direct action with new development concepts, training cadres. In a new development concept as a yardstick. Established in line with the new concept of evaluation system and evaluation criterion, embodies the new development policy, organization, mandate implementation, always measured by the new development philosophy, continuous correction of forest transition course. In a new development concept for the path command. As part of the implementation of the new development philosophy followed and action guidelines, firmly adjusted, corrected and reject unsuitable, inappropriate and even against the new development ideas, behaviors and practices, more pragmatic approach based on a broad vision, and creatively carry out ecological construction, industrial development, improving people's livelihood, such as the work to ensure that new development ideas take root in forest areas. In a new development concept for weapon training cadre. Education leaders \new, nothing\cles, enhancing vitality and power. Combined development \ndustry\plementation \ngineering\big environment\ngthening on new development, and new economy concept of learning, and grasp and using, real put thought and action unified to new development concept up, at with new development concept armed himself, and guide practice, effective do advocate innovation, and focused on coordination, and advocate green, and thick plant open, and advance shared. Second, we must rely on Science and technology affects. echnical innovation is the promotion of economic transformation and upgrading, quality and efficiency \er\39．简述海上保险保障的基本风险。 五、论述题(本大题共l小题，共l0分) 请在答题卡上作答。
40．试述人身保险与社会保险的关系。
六、计算题(本大题共l小题，每小题8分，共8分) 请在答题卡上作答。
41．一家保险公司对某一类业务确定为其自留额为9000元，取得了第一溢额l0线和第二 溢额6线的分保，然后接受5笔业务，每笔业务的保险金额在8000元至l50000元之问。 业务分布情况如题41表，请在答题卡上计算空白处①一⑤的数额。
ivelihood, is related to people's well-being and social harmony and stability. We need to protect and improve the livelihood of the people as the starting point and ending point of transition and improve forest people's feeling and happiness. To promote poverty relief and development work. Implementing poverty alleviation crucial project is a major strategic decision made by the CPC Central Committee, is also determined by the provincial %unify thinking and action to the requirements of the Central, provincial, resolutely win the poverty battle. The previous phase I to 18 stations, Tahe, Pine Ridge research, visited many of the poor, go, the heavier, more pressure. For poverty relief and development work, we must pay attention to it, always in mind, grasping hands, should not be blindly optimistic, there can be no slack. Poverty alleviation and development lies in precise, accurate. Present, in order to find out the real base of poor people as soon as possible, come up with feasible poverty standards, state card, built on the basis of document management. To firmly establish the \on\ncrease the intensity of resource integration, and related funding, with limited funds wisely. By using a combination of employment, entrepreneurship for poverty eradication poverty eradication, education, poverty alleviation, medical aid of poverty means, due to effects of policies, those policies, ensure the completion of mission objectives for poverty eradication for the year. To actively promote the construction of new towns. In February this year, promulgated by the State Council on further promoting urbanization construction of new opinions, proposed to adhere to the people-centered, four modernizations synchronization, optimization, ecology civilization and cultural heritage of new urbanization path with Chinese characteristics. According to district-wide construction of civilized city and the beautiful countryside, further strengthening of urban transport, water supply and drainage and sewage, waste disposal ground, underground, such as infrastructure construction, strive to create a safer and more livable environment. To actively seize the full stop and opportunities for poverty alleviation and development, further efforts to increase forest villages merge, population to the County (district) Council sites and centres concentrated in villages and towns. Combined development of urban construction and tourism industries, careful planning and construction of a number of suitable for residential and farm tour towns and villages, forming one village one product, a feature pattern. Closer to the masses. Since last year, our in-depth implementation of the leading cadres of grassroots masses at work, solve the problems of a large number of people, get the masses give wholehearted support to and praise, this work will carry on, absolutely cannot or movement. Grassroots masses and cadres in combination with poverty reduction, combined with the steady work of