保险代理人考试模拟题5含答案.doc

1、Learn General Secretary on “two to learn a“ strengthening “four Consciousnesses“ important speech caused a strong reaction in the country. Time, watching “red treasure“, the origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to bec

2、ome the grass-roots party members and masses hot topic. Grass-roots party organizations “two“ is to strengthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of

3、 the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the “pedal“ spirit; strengthen the party members and cadres “success does not have to be me“ and “the first to bear hardships, the last to“ service spirit to set the partys positive i

4、mage among the people is important. Grass-roots party organizations “two“ is to cleanse all people not happy not to see “stereotypes“, establish the honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the “money,“ corrosion of tem

5、ptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhous solution to restore the partys fresh and natural, solid and honest work style. Cleansing “take, eat, card,“ undesirable and behaviour, “cross, hard and cold, push“ attitude. Gra

6、ss-roots party organizations “two“ is to strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies,

7、is to focus on the grass-roots party branches “loose, soft, loose“ problem, advance the party members and cadres, “a gang working“, “Hong Kong report.“ Strong cleanup actions, style and rambling, presumptuous “unqualified“ party members, pays special attention to party members and cadres “joining pa

8、rty of thought“ problem. “Party building“ is obtained in the long-term development of our partys historical experience accumulated. Two is our party under the new historical conditions, strengthen the partys construction of a new “rectification movement.“ Grass-roots party organizations should alway

9、s catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. “Two“ should have three kinds of consciousness “two“ study and education, basic learning lies in the doing. Only the Constitution address the series of party rules,

10、and do solid work, be qualified party members had a solid ideological basis. Only the “learning“ and “do“ real unity, to form a “learn-learn-do-do“ the virtuous cycle, and ultimately achieve the fundamental objective of education. This requires that the Organizationlearning education, need three kin

11、ds of consciousness: one is to establish an integrated awareness. “Learning“ and “do“ what car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. “Le

12、arning“ is the Foundation, the Foundation is not strong, shaking; “ “Is the key to net to net thousands of accounts. “Two“ education, “ lay the basis, going to “do“ the key grip, so that the “learning“ and “doing“ back to standard, so that the majority of party members “learn“ learning theory of nut

13、rients, in the “doing“ practice partys purposes. Second, to establish a sense of depth. “Learning“ and “do“ not Chu drawn, entirely different, but the organic unity of the whole. “Two“ learning education, we need to explore integrating “learning“ in “do“, exhibit “do“ in “Science“. To avoid the “lea

14、rning“ into simple room instruction, “do“ into a monotone for doing. Should exploration “learn“ in the has “do“, “do“ in the has “learn“ of education and practice of carrier, makes general grass-roots members can in “learn“ in the has “do“ of achievements sense, in “do“ in the has “learn“ of get sen

15、se, real makes party of theory brain into heart, put for people service concept outside of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, “two“ had to catch the long-term. “Two“ study and education, by no means, assault-style wind-sport, but the recur

16、rent education within the party. In recent years, the partys mass line education practice and “three-three“ special education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. “Two“ greater need to focus on longer hold long-term, to estab

17、lish and perfect the effective mechanism of the education, focusing on the creation of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the partys advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how

18、 leading cadres of party members “two“ current, “two“ activity is in full swing up and down the country, party cadres as a “key minority“ is both a barometer and impetus. The “two“ meaning enough deep, is to determine the party cadres can resolve to study hard first. In the “two“ in the process, som

19、e cadres of himself, standing long, high awareness, that Constitution Party rules is simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These “lazy, casual, and decadent

20、“ ideas learning lacks motivation, a serious impediment to “two“ effect. John Stuart Mill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members and一、选择题（每题 1 分，共 90 分）1.保险人向投保人收取的保险费，在抵补保险赔付金额和有关的营业费用后，不应

21、该获得高的营业利润，该保障厘定标准所体现的原则（ A ） 。A.适度性原则 B.合理性原则 C.公平性原则 D.营利性原则2.将保险资金中闲置的部分重新投入到社会再生产过程中，从而发挥保险金融中介的作用，这一作用所体现的保险功能是（B ） 。A.保险保障功能 B.资金融通功能 C.社会管理功能 D.保险给付功能3.保险营销员的展业证未通过年度审核的，根据保险营销员管理规定 ，其展业证的处理方式是（ B ）A.交还当地保监局 B.交还保险行业协会 C.交还所属保险公司 D.交还中国保险学会4.保险保障活动运行中所要求的风险大量性条件，一方面是基于风险分散的技术要求，另一方面是（ D ） 。A.要

22、求符合监管部门的规定 B为了体现经营的赢利目标C 为了体现社会福利政策 D概率论和大数法则原理在保险经营中的运用5.公安机关、交通管理部门应依法对机动车参见机动车交通事故责任强制保险的情况实施监督检查，对未参 加机动车交通事故强制责任保险的机动车管理部门（ B ）A.不得予以登记，机动车销售机构必须予以收回B.不得予以登记，机动车安全技术检验机构不得予以检验C.必须予以监视，机动车销售机构必须予以收回D.必须予以监视，机动车安全技术检验机构不得予以检验6.作为保险合同法律特征之一的射幸性具体是指（ B ）A.保险人必然履行赔付义务 B.保险人并不必然履行赔付义务C.投保人缴纳保险费，保险人必须

23、履行赔付义务 D.投保人履行告知义务，保险人必须履行赔付义务7.在保险实务中，财产保险合同的主体变更主要是指（ D ）A.保险人和投保人的变更 B.投保人和受益人的变更C.被保险人和代理人的变更 D.投保人和被保险人的变更8.保险合同中，保险利益的载体是（ C ）A.保险利益 B.保险对象 C.保险标的 D.保险价值9.在按照风险性质划分的风险种类中，只有损失机会而无获利可能的风险称为（ A ）A.纯粹风险 B.投机风险 C.损失风险 D.基本风险10.根据保险营销员管理规定 ，保险营销员在从事保险营销活动过程中每年接受的.经中国保监会认可的培训机构组织的专业培训属于（ A ） A.后续教育

24、B.技能训练 C.熟练提高 D.岗前培训11.根据保险营销员管理规定 ，保险营销员从事保险营销活动时，不得有的行为包括（ B ）等。A.保险营销员不与非法从事保险业务的机构或者个人发生保险业务往来B.私自印制.伪造.变造.倒买倒卖.隐匿.销毁保险单证C.向客户说明分红保险等新型保险产品的费用扣除情况D.向客户明确说明保险合同中责任免除12.投保人向保险人要约的证明通常是（ C ）A.保险单 B.保险凭证 C.投保单 D.风险调查表Learn General Secretary on “two to learn a“ strengthening “four Consciousnesses“ im

25、portant speech caused a strong reaction in the country. Time, watching “red treasure“, the origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizat

26、ions “two“ is to strengthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the mass

27、es. Strengthen the party ahead of the “pedal“ spirit; strengthen the party members and cadres “success does not have to be me“ and “the first to bear hardships, the last to“ service spirit to set the partys positive image among the people is important. Grass-roots party organizations “two“ is to cle

28、anse all people not happy not to see “stereotypes“, establish the honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the “money,“ corrosion of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rat

29、s. Two, is to clean up, thin, Xu, Zhous solution to restore the partys fresh and natural, solid and honest work style. Cleansing “take, eat, card,“ undesirable and behaviour, “cross, hard and cold, push“ attitude. Grass-roots party organizations “two“ is to strengthen the sense of ordinary party mem

30、bers, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches “loose, soft, loose“ problem, advance

31、 the party members and cadres, “a gang working“, “Hong Kong report.“ Strong cleanup actions, style and rambling, presumptuous “unqualified“ party members, pays special attention to party members and cadres “joining party of thought“ problem. “Party building“ is obtained in the long-term development

32、of our partys historical experience accumulated. Two is our party under the new historical conditions, strengthen the partys construction of a new “rectification movement.“ Grass-roots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term ori

33、ented and become an important impetus for the work. “Two“ should have three kinds of consciousness “two“ study and education, basic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only t

34、he “learning“ and “do“ real unity, to form a “learn-learn-do-do“ the virtuous cycle, and ultimately achieve the fundamental objective of education. This requires that the Organizationlearning education, need three kinds of consciousness: one is to establish an integrated awareness. “Learning“ and “d

35、o“ what car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. “Learning“ is the Foundation, the Foundation is not strong, shaking; “ “Is the key to

36、net to net thousands of accounts. “Two“ education, “ lay the basis, going to “do“ the key grip, so that the “learning“ and “doing“ back to standard, so that the majority of party members “learn“ learning theory of nutrients, in the “doing“ practice partys purposes. Second, to establish a sense of de

37、pth. “Learning“ and “do“ not Chu drawn, entirely different, but the organic unity of the whole. “Two“ learning education, we need to explore integrating “learning“ in “do“, exhibit “do“ in “Science“. To avoid the “learning“ into simple room instruction, “do“ into a monotone for doing. Should explora

38、tion “learn“ in the has “do“, “do“ in the has “learn“ of education and practice of carrier, makes general grass-roots members can in “learn“ in the has “do“ of achievements sense, in “do“ in the has “learn“ of get sense, real makes party of theory brain into heart, put for people service concept out

39、side of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, “two“ had to catch the long-term. “Two“ study and education, by no means, assault-style wind-sport, but the recurrent education within the party. In recent years, the partys mass line education pr

40、actice and “three-three“ special education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. “Two“ greater need to focus on longer hold long-term, to establish and perfect the effective mechanism of the education, focusing on the creation

41、 of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the partys advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how leading cadres of party members “two“ current, “two“ activity is in full swing up

42、and down the country, party cadres as a “key minority“ is both a barometer and impetus. The “two“ meaning enough deep, is to determine the party cadres can resolve to study hard first. In the “two“ in the process, some cadres of himself, standing long, high awareness, that Constitution Party rules i

43、s simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These “lazy, casual, and decadent“ ideas learning lacks motivation, a serious impediment to “two“ effect. John Stuar

44、t Mill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members and13.保险事故发生时，被保险人有责任尽力采取必要的合理的措施，进行损失的施救，防止或减少损失。这表明了被保险人的（ A ）A.损失施救的义务 B.防灾防损的义务 C.协助追偿的义务 D.保证安全的义务14.保险公司向未取得资格证书且未经保险行业协会登记注册的人员发放展业证的，根据

45、保险营销员管理规定 ，将给予（ C ） ，并依法处以罚款。 A. 通报 B. 教育 C. 警告 D. 公示15.在风险管理理论中，社会组织或者个人用以降低风险的消极结果的决策过程被称为（ C ）A.风险评价 B.风险估测 C.风险管理 D.保险16.在各种合同终止的原因中，最普遍、最基本的保险合同终止原因是（ B ）A.因履行而终止 B.因期限届满而终止 C.因保险标的灭失而终止 D.因死亡而终止解除合同17.就解释效力而言，中国保险监督管理委员会根据宪法和法律所制定的行政法规及部门规章对保险条款所作的解释属于（ C ）A.立法解释 B.司法解释 C.行政解释 D.仲裁解释18.依据我国反不正

46、当竞争法，如果经营者在账外暗中给予对方单位或者个人回扣，其行为属于（ D ）A.受贿 B.诱骗 C.欺诈 D.行贿19.在风险管理中，风险识别的主要内容包括（ C ）A.分析风险和预测风险 B.感知风险和消除风险 C.感知风险和分析风险 D.预测风险和消除风险20.根据我国保险法的规定，下列保险合同中自保险责任开始后，合同当事人不得解除的保险合同是（ C ）A.人身保险合同 B.以古玩.字画为标的的保险合同 C.运输工具航程保险合同 D.责任保险合同21.在保险合同的争议处理中，通过法院对另一方当事人提出权益主张，由人民法院依法定程序解决争议，进行裁决的争议处理方式是（ A ）A.诉讼 B.仲

47、裁 C.协商 D.辩解22.在我国保险实务中，普遍推行的“零时起保制”的含义之一是指保险合同生效的开始时间为（ A ）A.合同成立的次日零时 B.合同成立的当日零时 C.交付保费的次日零时 D.交付保费的当日零时23.在保险实践中，禁止反言主要用于约束（ A ）A.保险人 B.受益人 C.投保人 D.被保险人24.商业保险与社会保险差异之一是（ A ） 。A.实施方式不同 B.保险对象完全不同 C.数理基础不同 D.提供保障的物质基础不同25.以文字或书写形式载于保险合同中，并成为保险合同条款的保证叫做（ C ）A.确认保证 B.承诺保证 C.明示保证 D.默认保证26.投保时可不具保险利益，

48、但在索赔时被保险人必须对保险标的具有保险利益的险种是（ D ）A.机动车辆保险 B.建筑工程保险 C.航空汽车保险 D.海上货物运输保险27.由于人身保险的保险期限较长并且有储蓄性，因而强调人身保险的保险利益存在时间为（ A ）Learn General Secretary on “two to learn a“ strengthening “four Consciousnesses“ important speech caused a strong reaction in the country. Time, watching “red treasure“, the origin of building the party back to power, ho