QTTCT-04

TRNG I HC KINH T - TI CHNH TP.HCM UEF

THI KT THC HC PHN

Hc phn: Nguyn l v Thc hnh bo him M hc phn: FIN 330 Ngy thi:. Hc k: 1 Nm hc:2012-2013 Thi gian lm bi: 60 pht Lu i vi sinh vin: c php s dng ti liu: c php s dng Laptop: c php s dng Internet: Lu khc: Thu li thi thi s: 1A NI DUNG
1. Tnh gia nhap cua hp ong bao hiem la: a. Hp ng bo him do bn mua bo him son tho ra; b. Hp ng bo him do ngi th 3 son tho ra; c. Hp ng bo him do doanh nghip bo him son tho ra; d. Hp ng bo him do 2 bn son tho ra; 2. Bo him trn gi l : a. Mt i tng bo him c bo him bi mt ngi bo him v c tng s tin bo him ln hn gi tr bo him; b. Mt i tng bo him c bo him bi hn mt ngi bo him v c tng s tin bo him bng gi tr bo him; c. Mt i tng bo him c bo him bi hn mt ngi bo him v c tng s tin bo him ln hn gi tr bo him. d. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him; 3. nim bo him bt ngun: a) T thi k c i; b) T s on kt tng h; c) T tng Khng trng trong cng mt gi; d) Tt c cc cu trn u ng; 4. Trng hp no sau y khng c coi l tn tht: a. Mt con tu ang ch hng ha trn bin th gp bo ln, thuyn trng ra lnh nm bt hng xung bin lm nh tu chy thot bo vo cng lnh nn; b. Mt ngi t t v l do c nhn; c. Mt anh hc sinh hc hnh chm ch, nhng trn ng n trng thi th gp tai nn dn n tr gi thi v b rt i hc nm ; d. Mt hc sinh lao xung h cu bn khi cht ui, nhng do c gng qu sc nn b t qu cht sau khi a bn vo b. 5. Loi bo him c coi l loi hnh c kinh doanh u tin ca ngnh bo him thng mi th gii l: a. Bo him nhn th; b. Bo him ha hon; c. Bo him hng hi; d. Bo him y t; 6. Hnh thc Giy chng nhn bo him c p dng trong nhng trng hp no di y: a. Bo him bt buc; b. Bo him sc khe tai nn; c. Bo him hng ha vn chuyn bng ng bin; d. C 3 trng hp trn; 7. Nm 1988, tu Linh c mt tu tun tiu ca Cng Si Gn b bc chy bt ng. Gim nh xc nh nguyn nhn ca s c l do chic n dy tc s dng lin tc trong nhiu gi b n trong hm my c iu kin thng gi km. Theo bn, trong v ha hon ny, c s tc ng ca: a. Nguy c vt cht; b. Nguy c tinh thn; c. Nguy c vt cht v nguy c o c;

C C C

Khng Khng Khng

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d. Nguy c vt cht v nguy c tinh thn; 8. Trong cc nguyn tc sau y ca bo him phi nhn th, nguyn tc no c ngoi l? a. Nguyn tc s ng; b. Nguyn tc trung thc; c. Nguyn tc bi thng; d. K thut phn b; 9. Theo Lut Kinh doanh bo him 2000, hp ng bo him l s tha thun gia: a. Bn mua bo him v Bn bo him; b. Bn mua bo him v Doanh nghip bo him; c. Ngi c bo him v Ngi bo him; d. Ngi tham gia bo him v Doanh nghip bo him. 10. Hy tm cu sai nht trong cc cu di y. Bo him trch nhim l loi hnh c th m bo cho: a. Trch nhim dn s v trch nhim hnh s ca ngi c bo him; b. TNDS trong hp ng v ngoi hp ng ca ngi c bo him; c. Trch nhim sn phm v/hoc trch nhim ngh nghip ca ngi c bo him; d. a, b, c, u ng; 11. Ai l ngi a ra thut ng Qun tr ri ro (Risk Management) c ngha quan trng i vi s ra i ca chc nng qun tr ri ro? a. Wayne Snider; b. Douglas Barlow; c. Russel Gallagher; d. Ralf Blanchard; 12. Nm 2011, doanh thu ph bo him ton th gii chim t trng trong GDP l: a. 6,6%; b. 7,1%; c. 7,0%; d. 6,9%; 13. Hy chn t thch hp nht in vo khong trng trong on vn di y: T nhiu cuc kho cu thc hin, ngi ta ln lt a ra nhiu nh ngha v qun tr ____________. C ngi cho rng: Qun tr ____________ l mt mn hc v vic chp nhn cuc sng vi kh nng cc bin c trong tng lai c th nguy him hay Qun tr ____________ nhm bo v ti sn ca doanh nghip , trong iu kin gi ph hp l nht, chng la nhng hu qu c th tc ha n qu trnh hot ng ca mt doanh nghip, Qun tr __________ l vic qun l gi ph ton b ca cc _____________ trong mt doanh nghip. a. Ri ro; b. Khng hong; c. S thay i: d. Doanh nghip.

14. Tm cu chnh xc nht: Tham gia vo hot ng kinh doanh l mt hnh vi a. Trnh n ri ro; b. Gnh chu ri ro; c. Mo him vi ri ro; d. Hon chuyn ri ro; 15. Tm cu sai: Trong hp ng bo him con ngi, doanh nghip bo him c quyn: a. Yu cu bn mua bo him cung cp thng tin v ri ro; b. Thu ph bo him; c. Yu cu bn mua bo him cung cp thng tin th quyn i ngi th 3 c li; d. n phng nh ch hp ng trong mt s trng hp; 16. Hin nay, php lut Vit Nam quy nh vn php nh i vi doanh nghip bo him phi nhn th l: a. 100 t VN; b. 600 t VN; c. 300 t VN; d. 1.000 t VN; 17. Theo Ralf Blanchard - cu gio s bo him ca Columbia University th i tng ca qun tr ri ro trong mt doanh nghip l: a. Cc ri ro u c: b. Cc ri ro thun; c. C hai cu (a) v (b) u sai; d. C hai cu (a) v (b) u ng; 18. Quc gia c th trng bo him ln nht th gii nm 2011 xt v tng doanh thu bo him (nhn th v phi nhn th): a. Anh; b. Php; c. Hoa k; d. c; 19. Theo quy nh ca php lut, bn mua bo him him c ngha v cung cp thng tin v ri ro cho doanh nghip bo him: a. Trc khi giao kt hp ng bo him bng cch in vo giy yu cu bo him; b. Trong khi thc hin hp ng bo him khi c yu t lm gia tng ri ro; c. Khi c tn tht xy ra nhm cung cp thng tin v nguyn nhn v mc tn tht; d. C 3 cu trn u ng; 20. Chn cu y nht di y: Mc tiu ca qun tr ri ro l a. Mua bo him cho cc ri ro; b. Lp cc qu d phng - t bo him b p nhng tn tht pht sinh;

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c. Phi phn b tt nht ngn sch ca doanh nghip gia bn loi cu thnh gi ph ca ri ro nhm ti u ha gi ph ton b ca ri ro; d. u t vo vic phng, hn ch ri ro tn tht; 21. Cc cng ty bo him 100% vn Vit Nam ang hot ng trn th trng Vit nam di hnh php l: a. Cng ty hp danh; b. Cng ty c phn; c. Cng ty trch nhim hu hn; d. Doanh nghip t nhn; 22. Hy chn cm t thch hp nht in vo khong trng trong on vn di y: _______________ chnh l vic thc hin nhng la chn tt, ly quyt nh thch nghi trong cuc sng hng ngy. Trn thc t, ch c th ________________ khi c th c s la chn v trong vic chp nhn ri ro ny hay _______________ kia l hp l hay khng hp l. a. Hon chuyn ri ro; b. Chp nhn ri ro; c. Trnh n ri ro; d. T bo him. 23. Ngi ta s dng gii php mua bo him cho mt ri ro thun trong trng hp no di y? a. Kh nng xy ra bin c cao, ng thi mc trm trng cng cao; b. Kh nng xy ra bin c cao nhng mc trm trng thp; c. Kh nng xy ra bin c v mc trm trng u thp; d. Kh nng xy ra bin c thp nhng mc trm trng cao; 24. Theo cam kt gia nhp WTO, vic cung cp dch v bo him phi nhn th ca nc ngoi vo Vit Nam theo phng thc: a. Hin din th nhn; b. Cung cp qua bin gii; c. Hin din thng mi; d. Tiu dng lnh th; 25. C quan qun l nh nc i vi hot ng kinh doanh bo him Vit Nam l: a. V bo him thuc B Ti chnh b. Cc gim st v qun l bo him thuc B Ti chnh; c. Phng qun l bo him thuc B Ti chnh d. Cc bo him thuc B Cng Thng; 26. Mc ch chnh v quan trng nht ca nhng li t vn ca bc s khi khm cho bnh nhn ca mnh l: a. Gim thiu ri ro; b. Gim thiu tn tht; c. Gim thiu nguy c; d. C 3 cu trn u ng.

27. u l khc bit gia Lut kinh doanh bo him (2000) v B Lut hng hi (2005) khi quy nh v hp ng bo him l: a. Cch gi tn ch th hp ng; b. Ri ro bo him, s kin bo him; c. Quyn li c th c bo him; d. C 3 trng hp trn; 28. Tm cu y nht. Hot ng ca bo him thng mi to ra s: a. An ton cho cc ti sn ca nn kinh t - x hi; b. To ra c ch hon chuyn ri ro v gim thiu ri ro; c. To ra c ch hon chuyn ri ro gia cc ch th kinh t x hi tham gia bo him; d. To ra c ch hon chuyn ri ro gia cc ch th kinh t x hi vi nh bo him; 29. Thut ng nguy c dng ch: a. Mt iu kin phi hp tc ng lm gia tng kh nng pht ng ri ro gy ra tn tht; b. L nguyn nhn ca tn tht; c. L tp hp nhng ri ro cng loi hoc tc ng ln cng i tng; d. L cch gi khc ca him ha. 30. Theo cam kt gia nhp WTO, sau 05 nm, cc cng ty bo him nc ngoi c php thnh lp chi nhnh hot ng Vit Nam trong lnh vc: a. Khng c lnh vc no trn y c php; b. Bo him nhn th v bo him phi nhn tho; c. Bo him nhn th; d. Bo him phi nhn th; 31. Mt cn nh c gi tr xy dng l 2 t ng c m bo bi mt hp ng bo him chy n c s tin bo him 1,8 t, mc min thng khng khu tr l 40 triu. Trong thi gian hp ng c hiu lc xy ra mt tn tht thuc phm vi bo him l 100 triu ng. Hi doanh nghip bo him phi bi thng cho ngi c bo him bao nhiu: a. 54 triu ng; b. 100 triu ng; c. 90 triu ng; d. 50 triu ng; 32. Theo Lut Kinh Doanh Bo Him 2000, bng chng vt cht ca vic hp ng bo him c giao kt l: a. Giy chng nhn bo him; b. n bo him; c. Giy chng nhn bo him v n bo him; d. Th chp nhn bo him ca doanh nghip bo him; 33. iu g khin bo him x hi c coi l hot ng da trn mt nhm m? a. V bo him x hi l mt ch nh php l bt buc;

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b. V cch thu ph bo him x hi; c. V bo him x hi to c ch phn phi li thu nhp gia cc th h lao ng gia cc thi k khc nhau ca nn kinh t; d. C 3 cu trn u ng; 34. iu g lm cho bo him thng mi u vit hn trong x l ri ro, tn tht so vi cu tr x hi: a. Lun ch ng x l ri ro trc khi c tn tht pht sinh; b. To tm l quyn c hng trn hp ng cho bn mua bo him, trnh tm l hm n; c. C 2 cu (a), (b) u ng; d. C 2 cu (a), (b) u sai; 35. Giy chng nhn bo him c s dng v c gi tr php l nh mt hp ng bo him y trong trng hp: a. Bo him bt buc; b. Bo him hng ha vn chuyn bng ng bin; c. Bo him tai nn-sc khe; d. C 3 cu trn u ng; 36. i vi mt cng ty bo him, vic bn mua bo him c hnh ng trc li, hnh ng gi l: a. Mt nguy c o c; b. Mt ri ro o c; c. Mt him ha o c; d. C 3 cu trn u ng. 37. Tm cu sai di y: a. Theo Lut Kinh doanh bo him (2000), hp ng bo him l s tha thun gia doanh nghip bo him v bn mua bo him; b. Theo php lut Vit Nam, hp ng bo him phi lp thnh vn bn; c. Hp ng bo him l mt loi hp ng dn s; d. Hp ng bo him l hp ng n v; 38. Ai l ngi u tin gii thiu khi nim c bn Gi ph ton b ca ri ro c ngha trong vic pht trin chc nng qun tr ri ro khng ch trong doanh nghip m cn i vi bt k t chc no: a. Wayne Snider; b. Russel Gallagher; c. Ralf Blanchard; d. Douglas Barlow. 39. Khi c tranh chp lin quan n mt hp ng bo him hng hi, ta n s s dng lut/ b lut no di y xem xt v kin: a. B lut hng hi (2005) v cc cng c quc t; b. Lut kinh doanh bo him (2000) v Lut sa i b sung Lut Kinh doanh bo him (2010); c. B lut dn s (2005); d. C 2: B lut dn s v cc lut chuyn ngnh kinh doanh bo him: 40. Nguyn nhn ngu nhin c s dng trong lnh vc bo him thng mi nhm:

a. Ch mt bin c khch quan c ngun gc t nhin; b. Ch mt bin c ch quan, tc din ra di s tc ng ca con ngi, nhng hnh ng ch quan khng nhm mc ch gy ra tn tht; c. Ch mt trong nhng iu kin m ri ro c th bo him; d. C 3 cu trn u ng. 41. Hot ng bo him hot ng da trn nguyn tc Trung thc tuyt i. Theo lut kinh doanh bo him (2000), s trung thc l yu cu t ra i vi: a. Doanh nghip bo him; b. Doanh nghip bo him v bn mua bo him; c. Doanh nghip bo him v ngi c bo him; d. Doanh nghip bo him v ngi tham gia bo him; 42. Nguyn tc khon c p dng cho : a. Tt c cc hp ng bo him con ngi; b. Tt c cc hp ng bo him nhn th v phi nhn th; c. Tt c cc hp ng bo him phi nhn th; d. Ch c hp ng nhn th. 43.Gia du rang A va B moi ngi eu co the b tai nan trong vong mot nam ti, vi xac suat xay ra tai nan la 20%, tng ng vi thiet hai la 5 trieu ong. Neu hai ngi nay ong y cung lap quy chung va chia se ong eu moi ton that xay ra. Xac suat e A va B eu ganh chu ton that 5 trieu ong la: a. 0,16; b. 0.04; c. 0,64; d. 0,32; 44. Mt hp ng bo him p dng nguyn tc khon c ngha l trong mi trng hp, s tin chi tr ca doanh nghip bo him a. Khng vt gi tr thc t ca i tng c bo him; b. Khng vt qu s tin bo him m hai bn tha thun lc giao kt hp ng; c. Khng vt gi tr tn tht thc t ca i tng c bo him; d. Khng vt qu gi tr tn tht thc t ca i tng c bo him v trong phm vi s tin bo him m hai bn tha thun lc giao kt hp ng; 45. Theo cam kt gia nhp WTO, cng ty bo him nc ngoi c cung cp dch v qua bin gii vo lnh th Vit Nam i vi nhng dch v sau : a. Dch v ti bo him, mi gii bo him, mi gii ti bo him; Dch v t vn, tnh ton, nh gi ri ro v gii quyt bi thng; b. Dch v bo him cho cc doanh nghip c vn u t nc ngoi v ngi nc ngoi lm vic Vit Nam;

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c. Cc ri ro lin quan n vn ti hng hi hng khng thng mi quc t v bo him hng ha ang vn chuyn qu cnh quc t; d. Tt c cc cu trn u ng; 46. Bo him trng l : a. Hai ti sn khc nhau c bo him bi cng mt hp ng bo him; b. Mt ti sn c bo him bi t 2 hp ng bo him tr ln c pht hnh bi nhiu doanh nghip bo him khc nhau vi cng phm vi bo him v c tng s tin bo him ca cc hp ng ln hn gi tr bo him ca n; c. Mt ti sn c bo him bi mt hp ng bo him v c s tin bo him gp i gi tr bo him; d. Mt ti sn c bo him bi t 2 hp ng bo him tr ln c pht hnh bi nhiu doanh nghip bo him khc nhau v c tng s tin bo him ca cc hp ng ln hn gi tr bo him; 47. pht trin th trng bo him, c kin xut phi sa i mt s quy nh php l hin hnh v hp ng bo him. Gii php ny tc ng vo yu t cu thnh no ca mi trng php l: a. Khung php l; b. Php ch bo him; c. thc php lut; d. C 3 yu t trn; 48. Nguyn tc bi thng c p dng cho: a. Ch c hp ng bo him ti sn v trch nhim dn s; b. Tt c cc hp ng bo him nhn th v phi nhn th; c. Tt c cc hp ng bo him phi nhn th; d. Tt c cc hp ng bo him nhn th; 49. Ri ro c th bo him l: a. Ri ro thun v c th xc nh (xc sut v mc trm trng); b. C nguyn nhn ngu nhin; c. Tp hp c s ln thnh mt nhm cn bng theo m hnh tam gic Heinrich; d. C 3 cu trn u ng; 50. Lloyds London khi thy ban u l: a. Mt qun c ph ca dn hng hi Anh Quc; b. Mt th trng bo him bao gm nhiu th nhn v php nhn ngi bo him; c. Tr s ca mt t bo ni ting trong lnh vc hng hi; d. Mt cng ty bo him danh ting Anh Quc; 51. Mt ch xe khng kinh doanh c mua bo him bt buc trch nhim dn s ca ch xe c gii. Khi s dng xe gy thit hi mt ngi ang iu khin xe khc v phi bi thng trch nhim ngoi hp ng cho nn nhn. Gi s trng hp ny thuc phm vi bo him ca hp ng bo him mua. Trng

hp ny, doanh nghip bo him pht hnh hp ng bo him phi: a. Bi hon cho ch xe gy tai nn; b. Tr tin bo him cho ch xe gy tai nn; c. Bi thng cho ch xe gy tai nn; d. C ba cu trn u ng; 52. Mt hp ng bo him p dng nguyn tc bi thng c ngha l trong mi trng hp, s tin bi thng ca doanh nghip bo him a. Khng vt gi tr thc t ca ti sn c bo him; b. Khng vt qu gi tr tn tht thc t ca ti sn c bo him v trong phm vi s tin bo him m hai bn tha thun lc giao kt hp ng; c. Khng vt qu s tin bo him m hai bn tha thun lc giao kt hp ng; d. Khng vt gi tr tn tht thc t ca ti sn c bo him; 53. Theo thng k ca tp ch Sigma SwissRe, doanh thu ph bo him ca th trng Vit Nam nm 2011 l : a. 1.440 triu USD, chim 0,04% th phn ton cu; b. 1.289 triu USD, chim 0,03% th phn ton cu; c. 1.845 triu USD, chim 0,04% th phn ton cu; d. 1.657 triu USD, chim 0,04% th phn ton cu; 54. Cu no di y l sai khi ni v mc ch ca ch bo him bt buc trong bo him thng mi: a. Bo v li ca ngi tham gia bo him; b. Bo v li ch ca nn nhn trong cc v tai nn; c. Bo v li ch ca ton b kinh t x hi; d. C 3 cu a, b, c u sai; 55. Doanh nghip bo him nhn th c th cung cp sn phm m bo cho: a. Tui th, thn th, ti sn ca ngi c bo him; b. Sc khe, thn th, tui th ca ngi c bo him; c. Tnh mng, sc khe, trch nhim dn s pht sinh ca ngi c bo him; d. Tnh mng ngi c bo him; 56. Doanh nghip bo him c quyn n phng nh ch thc hin hp ng bo him v iu kin khi: a. Bn mua bo him c cung cp thng tin sai s tht nhm giao kt hp ng bo him c tr tin bo him hoc c bi thng; b. Khi c s thay i nhng yu t lm c s tnh ph dn n tng cc ri ro c bo him; c. Ngi c bo him khng thc hin cc bin php m bo an ton cho i tng bo him; d. Tt c cc cu trn u ng. 57. Doanh nghip bo him khi la chn danh mc u t phi m bo cc nguyn tc theo th t u tin trc sau:

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a. An ton, sinh li, tnh thanh khon ca khon u t; e. An ton, tnh thanh khon ca khon u t, sinh li; b. Sinh li, tnh thanh khon ca khon u t, an ton; c. Sinh li, an ton, tnh thanh khon ca khon u t. 58. Nm 2011, trn th trng bo him phi nhn th Vit Nam, nghip v bo him ng u v doanh s l: a. Bo him tu bim; b. Bo him xy dng lp t c. Bo him tai nn v sc khe; d. Bo him xe c gii; 59. Thut ng gi tr bo him c s dng trong hp ng: a. Bo him trch nhim dn s;

b. Bo him tai nn sc khe; c. Bo him ti sn; d. Bo him phi nhn th; 60. Loi tr trong mt hp ng bo him l iu khon quy nh nhng trng hp m nu n xy ra, doanh nghip bo him khng pht sinh trch nhim bi thng/ tr tin bo him, trong bao gm cc trng hp: a. Ri ro khng th bo him; b. Ri ro c th bo him nhng thuc phm vi bo him khc nhng d nhm ln trong n bo him ny; c. Thuc khi nim ri ro thuc n bo him nhng doanh nghip bo him khng th qun l nn ch ng loi tr trch nhim; d. C ba trng hp trn;

Ngy thng nm 20 GING VIN RA (K tn)

NGUYN TIN HNG

DUYT CA KHOA/B MN

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