2022年2018年保险高管考试题库12 .pdf
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1、2018 年保险高级管理人员任职资格考试题库12(寿险类)考试总分:100 分考试时间:60 分钟第一题:单选题第 1 题:(3 分)()能够补偿那些造成企业财务困难,但不会使企业濒临破产的损失。A.合意的保险B.必需的保险C.适用的保险D.基本的保险【正确答案】:A【答案分析】:第 2 题:(3 分)保险法 第二十二条规定:保险人按照合同的约定,认为有关的证明和资料不完整的,应当及时()通知投保人、被保险人或者受益人补充提供。A.一次性B.三日内C.五日内D.十日内【正确答案】:A【答案分析】:第 3 题:(3 分)保险法 第二十条规定:变更保险合同的,应当由保险人在保险单或者其他保险凭证上
2、批注或者附贴批单,或者由投保人和保险人订立变更的()。A.保险合同B.保险协议C.保险批单D.书面协议【正确答案】:D【答案分析】:第二十条投保人和保险人可以协商变更合同内容。变更保险合同的,应当由保险人在保险单或者其他保险凭证上批注式者附贴批单,或者由投保人和保险人订立变更的书面协议。第 4 题:(3 分)()的稳定性是保险公司所关心的基本问题。A.保持费率B.附加费C.基本保险费D.财产保险费【正确答案】:A【答案分析】:第 5 题:(3 分)保监局根据公司风险状况,将保险公司分支机构分为四类:D 类机构是指()。A.经营存在较严重违规情形,或业务发展、内部控制等方面存在较大风险的公司B.
3、业务经营存在严重违规情形,或业务发展、内部控制等至少一个方面存在严重风险的公司C.经营较合规,业务发展、内部控制等方面虽有问题,但不严重的公司D.经营合规,业务发展、内部控制等方面未发现问题的公司【正确答案】:B【答案分析】:第 6 题:(2 分)保险监管的核心是()。A.保险公司法人治理结构监管B.保险市场行为监管C.保险公司偿付能力监管D.保险条款和费率的监管【正确答案】:C【答案分析】:保险监管包括三大方面即偿付能力监管、公司治理结构监管和市场行为监管其中偿付能力监管是保险监管的核心这是由保险监管的核心目标决定的。保险监管的核心目标是保护保险消费者的利益,而保险消费者的核心利益是保险保障
4、权或保险金领取权。如果保险消费者在申请领取保险金时,保险公司不具有相应的偿付能力,那么保险消费者的核心利益就失去保护,保险监管的核心目标也就无从实现了。第 7 题:(3 分)关于加快发展现代保险服务业的若干意见明确要突出重点,以()为基本原则确定支持现代保险服务业发展的政策措施。A.健康发展B.差别引导C.公平竞争D.深化改革【正确答案】:B【答案分析】:第 8 题:(3 分)国务院关于加快发展现代保险服务业的若干意见提出:要稳步放开()出口信用保险市场,进一步增加市场经营主体。积极发展航运保险。A.短期B.中期C.中长期D.长期【正确答案】:A【答案分析】:第 9 题:(3 分)20XX年,
5、我国的保险密度是(),保险深度是()。A.1265.67;3.02%B.1356.56;3.34%C.1433.45;3.49%D.1459.90;3.54%【正确答案】:A【答案分析】:第 10 题:(2 分)保险机构拟任董事长和高级管理人员具有硕土以上学位的,其任职条件中从事金融工作或者文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7
6、 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T
7、10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1
8、C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码
9、:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9
10、Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1
11、 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8
12、T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3经济工作的年限可以减少()。A.1 年B.2 年C.3年D.4 年【正确答案】:B【答案分析】:第十五条保险机构拟任董事长和高级管理人员具有硕士以上学位的,其任职条件中从事金融工作或者经济工作的年限可以减少2 年。第二题:多选题第 1 题:(4 分)国务院关于保险业改革发展的若干意见要求保险资产管理公司要树立长期投资理念,按照()相统一的要求,切实管好保险资产。A.安全性B.流动性C.收益性D.稳固性【正确答案】:ABC【答案分析】:第 2 题:(4 分)保险行业核心价值
13、理念是保险业持续发展的思想基础,既是对保险发展实践的高度概括和凝练,也是对未来发展的期待和要求,其核心内容包括()。A.守信用B.担风险C.重服务D.合规范【正确答案】:ABCD【答案分析】:第 3 题:(4 分)根据保险公司董事、监事和高级管理人员任职资格管理规定(保监会令20XX年第 2 号),保险机构在出现下列()情形之一,可以指定临时负责人。A.原负责人辞职B.原负责人因疾病、意外事故等原因无法正常履行工作职责C.原负责人被撤职D.原负责人被调任其他保险分支机构任职【正确答案】:ABC【答案分析】:第 4 题:(4 分)保险公司总经理、副总经理和总经理助理应当具有下列条件:()A.大学
14、专科以上学历或者学士以上学位B.大学本科以上学历或者学士以上学位C.从事金融工作8 年以上或者经济工作10 年以上D.从事金融工作5 年以上或者经济工作8 年以上【正确答案】:BC 文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C
15、3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:
16、CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z
17、8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1
18、HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T
19、6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7
20、ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T1
21、0O6M1C3【答案分析】:第 5 题:(4 分)国务院关于加快发展现代保险服务业的若干意见,发展现代保险业的基本原则是()。A.一是坚持市场主导、政策引导B.二是坚持改革创新、扩大开放C.三是坚持完善监管、防范风险D.四是坚持完善服务、提高水平【正确答案】:ABC【答案分析】:第 6 题:(4 分)保险机构出现下列情形之一,可以指定临时负责人,但临时负责时间不得超过3 个月:()A.原负责人因疾病、意外事故等原因无法正常履行工作职责B.原负责人被公安机关立案侦查C.原负责人辞职或者被撤职D.中国保监会认可的其他特殊情况【正确答案】:ACD【答案分析】:第 7 题:(4 分)保险机构案件责任追
22、究应当遵循()的原则,根据案件性质、涉案金额、风险损失、社会影响程度等情况,在核实相关人员责任的基础上予以追究。A.事实清楚、证据确凿B.责任明确、程序合法C.权责对等、逐级追究D.公平公正、惩教结合【正确答案】:ABCD【答案分析】:第 8 题:(4 分)保险机构出现下列情形之一的,中国保监会可以在调查期间责令其暂停与被调查事件相关的董事、监事或者高级管理人员的职务:()A.偿付能力严重不足B.涉嫌严重损害被保险人的合法权益C.未按照规定提取或者结转各项责任准备金D.未按照规定办理再保险【正确答案】:ABCD【答案分析】:第 9 题:(4 分)根据保险公司董事及高级管理人员审计管理办法,保险
23、公司董事及高级管理人员审计对象包括()。A.董事长及其他执行董事B.总公司管理层成员C.省级分公司总经理、副总经理、总经理助理D.分公司或中心支公司总经理【正确答案】:ABCD【答案分析】:文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O
24、6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文档编码:CX3Y9Z8Q1G1 HP6P8T6I5U7 ZN10T10O6M1C3文
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