PrinciplesofRiskManagementandInsurance,11e(Rejda)
Chapter1RiskinOurSociety
1)Traditionally,riskhasbeendefinedas
A)anysituationinwhichtheprobabilityoflossisone.
B)anysituationinwhichtheprobabilityoflossiszero.
C)uncertaintyconcerningtheoccurrenceofloss.
D)theprobabilityofalossoccurring.
Answer:C
QuestionStatus:PreviousEdition
2)Objectiveriskisdefinedas
A)theprobabilityofloss.
B)therelativevariationofactuallossfromexpectedloss.
C)uncertaintybadonaperson'smentalconditionorstateofmind.
D)thecauofloss.
Answer:B
QuestionStatus:PreviousEdition
3)Aninsurancecompanyestimatesitsobjectiveriskfor10,000exposurestobe10percent.Assumingtheprobabilityoflossremainsthesame,whatwouldhappentotheobjectiveriskifthenumberofexposuresweretoincreato1million?
A)Itwoulddecreato1percent.
B)Itwoulddecreato5percent.
C)Itwouldremainthesame.
D)Itwouldincreato20percent.
Answer:A
QuestionStatus:PreviousEdition
4)Uncertaintybadonaperson'smentalconditionorstateofmindisknownas
A)objectiverisk.
B)subjectiverisk.
C)objectiveprobability.
D)subjectiveprobability.
Answer:B
QuestionStatus:PreviousEdition
5)Thelong-runrelativefrequencyofaneventbadontheassumptionofaninfinitenumberofobrvationswithnochangeintheunderlyingconditionsiscalled
A)objectiveprobability.
B)objectiverisk.
C)subjectiveprobability.
D)subjectiverisk.
Answer:A
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6)Whichofthefollowingstatementsaboutaprioriprobabilitiesiscorrect?
英国留学费用一览表A)Theyaresubjectiveprobabilitiesbadonambiguityinthewayprobabilityisperceived.
B)Theyaresubjectiveprobabilitiesthatmayvaryamongindividualsbecauoffactorssuchasage,gender,education,andtheuofalcohol.
C)Theyareobjectiveprobabilitiesthatcanbedeterminedbydeductivereasoning.
D)Theyareobjectiveprobabilitiesthatcanbedeterminedbysubjectivereasoning.
Answer:C
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QuestionStatus:PreviousEdition
7)Anindividual'spersonalestimateofthechanceoflossis
A)anobjectiveprobability.
B)anobjectiverisk.
C)asubjectiveprobability.
D)anaprioriprobability.
Answer:C
QuestionStatus:PreviousEdition
8)Aperilis
A)amoralhazard.
B)thecauofaloss.
C)aconditionwhichincreasthechanceofaloss.
D)theprobabilitythatalosswilloccur.
Answer:B
QuestionStatus:PreviousEdition
9)Anearthquakeisanexampleofa
A)moralhazard.
B)peril.
C)physicalhazard.
D)objectiverisk.
Answer:B
QuestionStatus:PreviousEdition
10)Denfogthatincreasthechanceofanautomobileaccidentisanexampleofa
A)speculativerisk.
B)peril.
C)physicalhazard.
D)moralhazard.
Answer:C
QuestionStatus:PreviousEdition
11)Fakinganaccidenttocollectinsuranceproceedsisanexampleofa
A)physicalhazard.
B)objectiverisk.
负鼠英文C)moralhazard.
D)attitudinalhazard.
Answer:C
QuestionStatus:Revid
12)Carelessnessorindifferencetoalossisanexampleof
A)physicalhazard.
B)objectiveprobability.
C)moralhazard.
D)attitudinalhazard.
Answer:D
QuestionStatus:Revid
13)Somecharacteristicsofthejudicialsystemandregulatoryenvironmentincreathefrequencyandverityofloss.Thishazardiscalled
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A)moralhazard.
B)physicalhazard.
C)attitudinalhazard.
D)legalhazard.
Answer:D
QuestionStatus:Revid
14)TaylorTobaccoCompanyisconcernedthatthecompanymaybeheldliableinacourtoflawandorderedtopayalargedamageaward.Thecharacteristicsofthejudicialsystemthatincreathefrequencyandverityoflossareknownas
A)moralhazard.
B)particularrisk.
C)speculativerisk.
D)legalhazard.
Answer:D防火小知识
QuestionStatus:PreviousEdition
15)Aphrathatencompassallofthemajorrisksfacedbyabusinessfirmis
A)financialrisk.
B)speculativerisk.
C)enterpririsk.
alarmed
D)purerisk.
Answer:C
QuestionStatus:PreviousEdition
16)Whichofthefollowingstatementsaboutfinancialriskis(are)true?
I. Enterpririskdoesnotincludefinancialrisk.
II. Financialriskiasilyaddresdthroughthepurchaofinsurance.
A)Ionly
B)IIonly
C)bothIandII
tombstoneD)neitherInorII
Answer:Dlady sonia
QuestionStatus:PreviousEdition
17)AllofthefollowingareconsideredfinancialrisksEXCEPT
A)thedeclineinthevalueofabondportfoliobecauofrisinginterestrates.
B)increadcostofproductionbecauofrisingcommodityprices.
C)lossofmoneybecauofadvermovementsincurrencyexchangerates.
环球出国D)destructionofaproductionfacilitycaudbyanexplosion.
Answer:D
QuestionStatus:PreviousEdition
18)KatelynwasjustnamedRiskManagerofABCCompany.ShehasdecidedtocreateariskmanagementprogramwhichconsidersalloftherisksfacedbyABC-pure,speculative,operational,andstrategic-inasingleriskmanagementprogram.Suchaprogramiscalleda(n)
