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TOPIC_ID=426 cu hi tr li mn bo him

KIM TRA MN NGUYN L THC HNH BO HIM CHNG 3: NHNG VN L LUN CHUNG V BO HIM 1. Hot ng no ca bo him thng mi to ra s: a. To ra c ch hon chuyn ri ro v gim thiu ri ro b. An ton cho cc ti sn ca nn kinh t - x hi c. To ra c ch hon chuyn ri ro gia cc ch th kinh t x hi vi nh bo him d.To ra c ch hon chuyn ri ro gia cc ch th kinh t x hi tham gia bo him 2. Cu no di y l khng ng: a.Bo him ging nh l mt hnh thc c cc. Ph bo him ging nh tin t cc v n nh hn rt nhiu so vi s tin bi thng (tng t l khon thng trng cc) b. Bo him l s ng gp ca s ng vo s bt hnh ca s t c. Bo him l mt phng sch h gim ri ro bng cch kt hp mt s lng y cc n v i tng bin tn tht c th thnh tn tht cng ng v c th d tnh c; d. Bo him l mt nghip v qua , mt bn l ngi c bo him cam oan tr mt khon tin gi l ph bo him thc hin mong mun cho mnh hoc cho mt ngi th 3 trong trng hp xy ra ri ro s nhn c mt khon n b cc tn tht c tr bi mt bn khc: l ngi bo him 3. Bo him dng ch: a. Vic hnh thnh mt qu tin t bo him; b. Mt hot ng m c s hon chuyn ri ro; c. Mt hot ng nhm kt hp s ng cc n v i tng ring l v c lp, chu cng mt ri ro thnh mt nhm tng tc; d.C ba cu trn u ng. 4. Hy chn cm t thch hp nht in vo khong trng trong on vn di y:Qu d tr bo him c to lp trc mt cch c thc, khc phc huqu ni trn, bng cch b p cc tn tht pht sinh nhm ti lp v m bo tnh thng xuyn lin tc ca cc qu trnh x hi. Nh vy, trn phm vi rng, ton b nn kinh t x hi, bo him ng vai tr nh..m bo kh nng hot ng lu di ca mi ch th dn c v kinh t. a. Mt l chn; b. Mt cng c an ton; c. Mt cng c d phng; d.Mt cng c an ton v d phng. 5. Hy chn cm t thch hp nht in vo khong trng trong on vn di y:Vi vic thu ph theo nguyn tc ng trc, cc t chc hot ng bo him chim gi mt qu tin t rt ln th hin cam kt ca h i vi khch hng nhng tm thi nhn ri. Cc t chc bo him tr thnh nhng nh u t ln, quan trng cho cc hot ng khc ca nn kinh t quc dn. Bo

him, do , khng ch ng vai tr ca mt cng c an ton m cn c vai tr ca .., nm gi phn quan trng trong cc doanh nghip cng nghip v thng mi ln. a. Mt nh u t trc tip b.Mt trung gian ti chnh c. Mt nh u t gin tip d. Mt trung gian tn dng. 6. Vi vai tr v chc nng ca mnh, bo him c tc dng tch cc l tnh t vn m bo: a. Ti sn xut gin n b. Ti sn xut m rng c. C hai cu trn u sai; d.C hai cu trn u ng. 7. Vi vai tr v chc nng ca mnh, bo him c tc dng tch cc l thc y thc phng hn ch ri ro cho: a. Bn mua bo him b. gi c bo him c. Cc thnh vin trong cng ng bo him d.Mi thnh vin trong x hi 8. 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. 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 sai; d.C 2 cu (a), (b) u ng; 9. Bo him l phng thc x l ri ro u vit nht v: a.Bo him lm gim thiu ri ro ca ton b nn kinh t - x hi; b. Bo him s bi thng cho cc ch th trong nn kinh t - x hi khi c tn tht xy ra; c. Bo him to ra mt knh huy ng vn c hiu qu p ng nhu cu vn cho u t pht trin nn kinh t; d. Mt l do khc (cho cu tr li) 10. im u vit ca bo him so vi tit kim l: a. Tnh kp thi trong mc ch bo v; b. T sut sinh li cao; c. Cht lng dch v; d. Gi tr gia tng do cc dch v b sung. 11. guyn 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. www.taichinh06.tk Economy - Finance Ti liu tham kho Fuji Sai 06DQTTC Hutech hatsuongdem@gmail.com Page 3 12. c th c bo him, ri ro phi c mt s c im nht nh. Mt trong nhng c im l: a. Ri ro phi c tnh bt ng; b. S tin bi thng tn tht do ri ro ln hn s tin tn tht thc t; c. Cng ty bo him phi c th tin on mi tn tht ngi yu cu bo bo him ri ro s gnh chu; d. Gy hu qu ti chnh cho c cng ty bo him v ngi c bo him mi c bo him. 13. Hot ng bo him hot ng da trn nguyn tc Trung thc tuyt i. 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 tham gia bo him d. Doanh nghip bo him v ngi c bo him. 14. Cng ty bo him da vo quy lut s ng khi d on tn tht c bo him s xy ra i vi mt nhm ngi c bo him trong khon thi gian nht nh. Theo quy lut sn ng, thng thng, cng quan st mt s kin no nhiu ln: a. Cng t kh nng s kin tr thnh thm ha i vi cng ty b. Cng nhiu kh nng s kin tr thnh thm ha i vi cng ty; c. Cng t kh nng kt qu quan st c s gn vi xc sut d kin xy ra s kin . d. Cng nhiu kh nng kt qu quan st c s gn vi xc sut d kin xy ra s kin ; 15. Hot ng bo him ni chung l hot ng da trn nguyn tc c bn: a. Trung thc ti a b. S ng c. Quyn li c th bo him d. C 3 cu trn u ng. 16. guyn tc khon c p dng cho: a. Tt c cc hp ng bo him nhn th v phi nhn th; b. Tt c cc hp ng bo him phi nhn th; c. Tt c cc hp ng bo him con ngi d. Ch c hp ng nhn th.

17. 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 tn tht thc t ca i tng c bo him; b. Khng vt gi tr thc t ca i tng c bo him; c. Khng vt qu s tin bo him m hai bn tha thun lc giao kt hp ng; 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. 18. guyn tc bi thng c p dng cho: a. Tt c cc hp ng bo him nhn th v phi nhn th b. Tt c cc hp ng bo him phi nhn th; c. Tt c cc hp ng bo him nhn th; www.taichinh06.tk Economy - Finance Ti liu tham kho Fuji Sai 06DQTTC Hutech hatsuongdem@gmail.com Page 4 d. Ch c hp ng bo him ti sn v trch nhim dn s. 19. Mt hp ng bo him p dng nguyn tc bi thng c ngha l trong mi trng hp, s tin bi thng ca doanh nghp bo him: a. Khng vt gi tr thc t ca ti sn c bo him; b. Khng vt gi tr tn tht thc t ca ti sn c bo him; c. Khng vt qu s tin c bo him m hai bn tha thun lc giao kt hp ng; d. 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. 20. 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 trn u l cu tr li sai 21. Loi no di y khng thuc ch bo him bt buc Vit am: a. Bo him trch nhim dn s ch xe c gii b. Bo him trch nhim ca hng hng khng dn dng i vi hnh khch i trn my bay; c. Bo him chy n d. Bo him xy dng v lp t

22. Bo him nhn th l loi hnh bo him m bo cho: a. Tnh mng ngi c bo him b. Tnh mng, thn th, ti sn ca ngi c bo him c. Tnh mng, sc khe, trch nhim dn s pht sinh ca ngi c bo him; d. Sc khe, thn th, tnh mng ca ngi c bo him. 23. Theo quy nh ca Lut php Vit am, i tng no di y khng thuc i tng ca bo him phi nhn th: a. Thng tt con ngi b. Sc khe con ngi c. Tui th con ngi d. Ti sn. 24. im u vit ca bo him nhn th so vi tit kim l: a. Li sut cao b. Cht lng dch v c. Khng ch cung cp dch v tit kim m cn cung cp dch v bo v cho ngi c bo him; d. Kt hp dch v cho vay theo hp ng. 25. Bo him trng l: a. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him b. Mt i tng bo him c bo him bi mt ngi bo him v c tng s tin bo him gp i gi tr bo him c. Mt i tng bo him c bo him bi hn mt ngi bo him v www.taichinh06.tk Economy - Finance Ti liu tham kho Fuji Sai 06DQTTC Hutech hatsuongdem@gmail.com Page 5 L thuyt thc hnh Bo Him Ths. guyn Tin Hng Fuji Sai 06DQTTC Hutech hatsuongdem@gmail.com 5 c tng s tin bo him bng gi tr bo him; d. Mt i tng bo him c bo him bi hn mt ngi bo him vi cng iu kin bo him v c tng s tin bo him ln hn gi tr bo him. 26. Bo him trn gi l: a. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him;

b. 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; c. 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; ` d. 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. 27. ng bo him l: a. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him b. 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 c. 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 d. Mt i tng bo him c bo him bi hn mt ngi bo him, cng iu kin bo him v c tng s tin bo him bng gi tr bo him. 28. Doanh nghip bo him khi la chn danh mc u t phi m bo cc nguyn tc theo th t u tin trc sau: a. An ton, lng ca khon u t, sinh li; b. An ton, sinh li, lng ca khon u t; c. Sinh li, lng ca khon u t, an ton; d. Sinh li, an ton, lng ca khon u t. 29. Theo Lut Kinh Doanh Bo Him (2000), ngi c quyn li c th bo him i vi vi mt ti sn no khi: a. Ch khi ngi l ch s hu ca ti sn ; b. Khi ngi c ch s hu ti sn y uyn k hp ng bo him c. Khi ngi l gim c iu hnh doanh nghip hoc t chc m doanh nghip, t chc l ch th s hu ti sn; d. L c nhn hoc php nhn c quyn s hu, quyn chim hu, quyn s dng, quyn ti sn i vi ti sn . 30. iu g khin bo him x hi c coi l hat ng da trn mt nhm m? a. V bo him x hi l mt ch nh php l bt buc b. V cch thu ph bo him x hi c. V bo him x hi to ra 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. ------Ht------www.taichinh06.tk Economy - Finance Ti liu tham kho

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