toan - uef nlthbh fin330-11201 final-1a (1)

7/28/2019 Toan - Uef Nlthbh Fin330-11201 Final-1a (1)

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TRNG I HC KINH T - TI CHNH TP.HCMUEF

THI KT THC HC PHN

Hc phn: Nguyn l v Thc hnh bo him M hc phn: FIN 330

Ngy thi:. Hc k: 1Nm hc:2012-2013

Thi gian lm bi: 60 pht

Lu i vi sinh vin:

c php s dng ti liu: C Khng

c php s dng Laptop: C Khng

c php s dng Internet: C Khng

Lu khc: Thu li thi

thi s:1ANI DUNG

1. Tnh gia nhap cua hp ong bao hiemla:

a. Hp ng bo him do bn mua bo him son thora;

b. Hp ng bo him do ngi th 3 son tho ra;

c. Hp ng bo him do doanh nghip bo him sontho 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 lnhn gi tr bo him;

b. Mt i tng bo him c bo him bi hnmt 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 hnmt ngi bo him v c tng s tin bo himln hn gi tr bo him.

d. Hai i tng bo him khc nhau c bo himbi 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 cnglnh 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 trgi 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 saukhi a bn vo b.

5. Loi bo him c coi l loi hnh c kinh doanhu 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 dngtrong 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 CngSi Gn b bc chy bt ng. Gim nh xc nhnguyn nhn ca s c l do chic n dy tc s dnglin tc trong nhiu gi b n trong hm my c iukin 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;1/6 - 1A

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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 nhnth, 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 bohim 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 bohim.

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 nghnghip ca ngi c bo him;

d. a, b, c, u ng;

11. Ai l ngi a ra thut ng Qun tr ri ro (RiskManagement) c ngha quan trng i vi s ra ica 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 chimt 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 trngtrong on vn di y:

T nhiu cuc kho cu thc hin, ngi ta lnlt a ra nhiu nh ngha v qun tr____________. C ngi cho rng: Qun tr____________ l mt mn hc v vic chp nhn cucsng vi kh nng cc bin c trong tng lai c thnguy him hay Qun tr ____________ nhm bo vti sn ca doanh nghip , trong iu kin gi ph hpl nht, chng la nhng hu qu c th tc ha n qutrnh 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 caColumbia University th i tng ca qun tr ri rotrong 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 nm2011 xt v tng doanh thu bo him (nhn th v phinhn th):a. Anh;

b. Php;c. Hoa k;d. c;

19. Theo quy nh ca php lut, bn mua bo him himc ngha v cung cp thng tin v ri ro cho doanhnghip bo him:

a. Trc khi giao kt hp ng bo him bng cchin vo giy yu cu bo him;

b. Trong khi thc hin hp ng bo him khi c yut lm gia tng ri ro;

c. Khi c tn tht xy ra nhm cung cp thng tin vnguyn 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 la. Mua bo him cho cc ri ro;

b. Lp cc qu d phng - t bo him b pnhng tn tht pht sinh;

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c. Phi phn b tt nht ngn sch ca doanh nghipgia bn loi cu thnh gi ph ca ri ro nhm tiu ha gi ph ton b ca ri ro;

d. u t vo vic phng, hn ch ri ro tntht;

21. Cc cng ty bo him 100% vn Vit Nam ang hotng 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 nhtin vo khong trngtrong on vn di y:_______________ chnh l vic thc hin nhng lachn tt, ly quyt nh thch nghi trong cuc snghng ngy. Trn thc t, ch c th ________________khi c th c s la chn v trong vic chp nhnri ro ny hay _______________ kia l hp l haykhng 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 riro 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 trmtrng thp;

c. Kh nng xy ra bin c v mc trm trng uthp;

d. Kh nng xy ra bin c thp nhng mc trmtrng cao;

24. Theo cam kt gia nhp WTO, vic cung cp dch vbo him phi nhn th ca nc ngoi vo Vit Namtheo 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 kinhdoanh bo him Vit Nam l:a. V bo him thuc B Ti chnh

b. Cc gim st v qun l bo him thuc B Tichnh;

c. Phng qun l bo him thuc B Ti chnhd. Cc bo him thuc B Cng Thng;

26. Mc ch chnh v quan trng nht ca nhng li tvn 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 riro;

c. To ra c ch hon chuyn ri ro gia cc ch thkinh t x hi tham gia bo him;

d. To ra c ch hon chuyn ri ro gia cc ch thkinh 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 ngln cng i tng;

d. L cch gi khc ca him ha.

30. Theo cam kt gia nhp WTO, sau 05 nm, cc cng tybo him nc ngoi c php thnh lp chi nhnhhot 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 mbo bi mt hp ng bo him chy n c s tin bohim 1,8 t, mc min thng khng khu tr l 40triu. Trong thi gian hp ng c hiu lc xy ramt tn tht thuc phm vi bo him l 100 triu ng.Hi doanh nghip bo him phi bi thng cho ngic 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 chngvt cht ca vic hp ng bo him c giao ktl:

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 bohim;

33. iu g khin bo him x hi c coi l hot ngda 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 kkhc nhau ca nn kinh t;

d. C 3 cu trn u ng;

34. iu g lm cho bo him thng mi u vit hntrong 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 trphp l nh mt hp ng bo him y trongtrng 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 himc 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 bohim v bn mua bo him;

b. Theo php lut Vit Nam, hp ng bo him philp 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 Giph ton b ca ri ro c ngha trong vic pht trinchc nng qun tr ri ro khng ch trong doanh nghipm 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 bohim hng hi, ta n s s dng lut/ b lut no diy 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 ib 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 kinhdoanh bo him:

40. Nguyn nhn ngu nhin c s dng trong lnhvc bo him thng mi nhm:

a. Ch mt bin c khch quan c ngun gc tnhin;

b. Ch mt bin c ch quan, tc din ra di s tcng 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 thbo him;

d. C 3 cu trn u ng.

41. Hot ng bo him hot ng da trn nguyn tcTrung 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 phinhn 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 euco the b tai nan trong vong motnam ti, vi xac suat xay ra tai nanla 20%, tng ng vi thiet hai la 5trieu ong. Neu hai ngi nay ongy cung lap quy chung va chia seong eu moi ton that xay ra. Xacsuat e A va B eu ganh chu tonthat 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 cngha l trong mi trng hp, s tin chi tr cadoanh nghip bo hima. 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 tngc bo him;

d. Khng vt qu gi tr tn tht thc t ca itng c bo him v trong phm vi s tin bohim m hai bn tha thun lc giao kt hp ng;

45. Theo cam kt gia nhp WTO, cng ty bo him ncngoi c cung cp dch v qua bin gii vo lnhth 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 giri ro v gii quyt bi thng;

b. Dch v bo him cho cc doanh nghip c vnu 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 hngkhng thng mi quc t v bo him hng haang 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 bohim tr ln c pht hnh bi nhiu doanhnghip bo him khc nhau vi cng phm vi bohim 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 bohim v c s tin bo him gp i gi tr bohim;

d. Mt ti sn c bo him bi t 2 hp ng bohim tr ln c pht hnh bi nhiu doanhnghip bo him khc nhau v c tng s tin bohim ca cc hp ng ln hn gi tr bohim;

47. pht trin th trng bo him, c kin xutphi sa i mt s quy nh php l hin hnh v hpng bo him. Gii php ny tc ng vo yu t cuthnh 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 nhimdn 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 nhnv php nhn ngi bo him;

c. Tr s ca mt t bo ni ting trong lnh vchng hi;

d. Mt cng ty bo him danh ting Anh Quc;

51. Mt ch xe khng kinh doanh c mua bo him btbuc trch nhim dn s ca ch xe c gii. Khi sdng xe gy thit hi mt ngi ang iu khin xekhc v phi bi thng trch nhim ngoi hpng cho nn nhn. Gi s trng hp ny thuc phmvi bo him ca hp ng bo him mua. Trng

hp ny, doanh nghip bo him pht hnh hp ngbo 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 bithng c ngha l trong mi trng hp, s tin bithng ca doanh nghip bo hima. 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 himm hai bn tha thun lc giao kt hp ng;

c. Khng vt qu s tin bo him m hai bn thathun 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 snphm 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 stht nhm giao kt hp ng bo him c trtin bo him hoc c bi thng;

b. Khi c s thay i nhng yu t lm c s tnh phdn n tng cc ri ro c bo him;

c. Ngi c bo him khng thc hin cc binphp 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 tphi m bo cc nguyn tc theo th t u tin trcsau:

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a. An ton, sinh li, tnh thanh khon ca khon ut;

b. An ton, tnh thanh khon ca khon u t, sinhli;

c. Sinh li, tnh thanh khon ca khon u t, anton;

d. Sinh li, an ton, tnh thanh khon ca khon ut.

58. Nm 2011, trn th trng bo him phi nhn th VitNam, nghip v bo him ng u v doanh s l:a. Bo him tu bim;

b. Bo him xy dng lp tc. Bo him tai nn v sc khe;d. Bo him xe c gii;

59. Thut ng gi tr bo him c s dng trong hpng: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 khonquy nh nhng trng hp m nu n xy ra, doanhnghip bo him khng pht sinh trch nhim bithng/ tr tin bo him, trong bao gm cc trnghp:a. Ri ro khng th bo him;

b. Ri ro c th bo him nhng thuc phm vi bohim khc nhng d nhm ln trong n bo himny;

c. Thuc khi nim ri ro thuc n bo him nhngdoanh nghip bo him khng th qun l nn chng loi tr trch nhim;

d. C ba trng hp trn;

Ngy thng nm 20GING VIN RA

(K tn)

NGUYN TIN HNG

DUYT CA KHOA/B MN

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toan - uef nlthbh fin330-11201 final-1a (1)

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