2025年銀保監(jiān)外語(yǔ)面試題庫(kù)及答案

一、單項(xiàng)選擇題（總共10題，每題2分）1.WhichofthefollowingisNOTafunctionoftheinsurancecompany?A.RiskassessmentB.PolicyissuanceC.InvestmentmanagementD.Medicaldiagnosis2.Theprocessofdeterminingthelikelihoodandpotentialcostofariskiscalled:A.UnderwritingB.ClaimsettlementC.PremiumcalculationD.Reinsurance3.Whichtermreferstothemaximumamountaninsurancecompanywillpayoutonaclaim?A.DeductibleB.LimitofliabilityC.Co-payD.Premium4.Whatistheprimarypurposeofaninsurancepolicy?A.TogenerateprofitfortheinsurerB.ToprovidefinancialprotectiontothepolicyholderC.ToregulatetheinsurancemarketD.Toensurethesolvencyoftheinsurer5.Theconceptof"insurableinterest"means:A.TheinsuredmusthaveafinancialstakeintheinsureditemB.TheinsuredmustpaythepremiumontimeC.TheinsuredmusthaveamedicalcertificateD.Theinsuredmustbeover18yearsold6.Whichtypeofinsuranceisdesignedtoprotectagainstdamagetoproperty?A.HealthinsuranceB.LifeinsuranceC.PropertyinsuranceD.Disabilityinsurance7.Theprocessofreviewingandevaluatinginsuranceapplicationsisknownas:A.ClaimsprocessingB.UnderwritingC.PremiumcollectionD.Policyrenewal8.Whichtermreferstotheperiodduringwhichaninsurancepolicyisactive?A.GraceperiodB.CoverageperiodC.WaitingperiodD.Exclusionperiod9.Thepracticeofspreadingriskacrossalargenumberofpolicyholdersiscalled:A.DiversificationB.RiskpoolingC.ReinsuranceD.Subrogation10.Whatisthetermforaninsurancepolicythatcoversmorethanonetypeofrisk?A.MixedpolicyB.Single-riskpolicyC.ComprehensivepolicyD.Limitedpolicy二、填空題（總共10題，每題2分）1.Theprocessoffilingaclaimwithaninsurancecompanyiscalled________.2.Aninsurancepolicythatprovidescoverageforaspecificperiodoftimeisknownasa________policy.3.Theamountofmoneytheinsuredmustpayoutofpocketbeforetheinsurancecompanystartspayingiscalledthe________.4.Thepracticeoftransferringpartoftherisktoanotherinsureriscalled________.5.Thetermusedtodescribethefinancialrelationshipbetweentheinsurerandtheinsuredis________.6.Theprocessofdeterminingtheappropriatepremiumforaninsurancepolicyiscalled________.7.Aninsurancepolicythatprovidescoverageforawiderangeofrisksisknownasa________policy.8.Theperiodoftimeduringwhichtheinsuredmustpaypremiumswithoutreceivingcoverageiscalledthe________.9.Theconceptthatstatesaninsuredmustsufferafinanciallosstofileaclaimiscalled________.10.Thepracticeofsettlingclaimsusingtheinsured'sownfundsbeforeseekingreimbursementfromtheinsureriscalled________.三、判斷題（總共10題，每題2分）1.Insurancecompaniesarenotallowedtomakeaprofit.2.Thedeductibleistheamounttheinsuredpaysoutofpocketaftertheinsurancecompanypaystheclaim.3.Underwritingistheprocessofreviewingandevaluatinginsuranceapplications.4.Aninsurancepolicycanonlycoveronetypeofrisk.5.Thecoverageperiodisthesameasthegraceperiod.6.Riskpoolingisthepracticeofspreadingriskacrossalargenumberofpolicyholders.7.Reinsuranceisthepracticeoftransferringpartoftherisktoanotherinsurer.8.Aninsuredmusthaveamedicalcertificatetofileaclaim.9.Theconceptofinsurableinterestmeanstheinsuredmusthaveafinancialstakeintheinsureditem.10.Subrogationisthepracticeofsettlingclaimsusingtheinsured'sownfundsbeforeseekingreimbursementfromtheinsurer.四、簡(jiǎn)答題（總共4題，每題5分）1.Whatarethemainfunctionsofaninsurancecompany?2.Explaintheconceptofinsurableinterestandwhyitisimportantininsurance.3.Describetheprocessofunderwritinganditssignificanceintheinsuranceindustry.4.Discusstheroleofreinsuranceinmanagingriskforinsurancecompanies.五、討論題（總共4題，每題5分）1.Howdoestheconceptofriskpoolingbenefitbothinsurancecompaniesandpolicyholders?2.Whatarethekeydifferencesbetweenpropertyinsuranceandhealthinsurance?3.Discusstheimportanceofunderwritinginensuringthefinancialstabilityofaninsurancecompany.4.Howcaninsurancecompaniesusetechnologytoimprovetheclaimsprocessingandcustomerserviceexperience?答案和解析一、單項(xiàng)選擇題答案1.D2.A3.B4.B5.A6.C7.B8.B9.B10.A二、填空題答案1.Claimfiling2.Term3.Deductible4.Reinsurance5.Contractualrelationship6.Premiumdetermination7.Comprehensive8.Waitingperiod9.Insurableinterest10.Subrogation三、判斷題答案1.False2.True3.True4.False5.False6.True7.True8.False9.True10.False四、簡(jiǎn)答題答案1.Themainfunctionsofaninsurancecompanyincluderiskassessment,policyissuance,claimsprocessing,andinvestmentmanagement.Theyalsoprovidefinancialprotectiontopolicyholdersandensurethesolvencyofthecompany.2.Insurableinterestmeansthattheinsuredmusthaveafinancialstakeintheinsureditem.Thisconceptisimportantbecauseitensuresthattheinsuredhasagenuinereasontofileaclaim,preventingfraudulentactivities.3.Underwritingistheprocessofreviewingandevaluatinginsuranceapplicationstodeterminetheriskandappropriatepremium.Itissignificantbecauseithelpsinsurancecompaniesassessthelikelihoodofclaimsandsetfairpremiums.4.Reinsuranceplaysacrucialroleinmanagingriskforinsurancecompaniesbyallowingthemtotransferpartoftherisktoanotherinsurer.Thishelpscompaniesmitigatelargelossesandmaintainfinancialstability.五、討論題答案1.Riskpoolingbenefitsbothinsurancecompaniesandpolicyholdersbyspreadingtheriskacrossalargenumberofpolicyholders.Thisreducesthefinancialimpactonindividualpolicyholdersandensuresthesustainabilityoftheinsurancecompany.2.Thekeydifferencesbetweenpropertyinsuranceandhealthinsuranceareth