金融市场与金融机构章节测试课后答案2024春

第十章测试

1.An annuity is an insurance product that helps people to manage mortality risk. （ ）
A:错 B:对
答案:A
2.An insurance company needs to sell a large number of policies in order to spread the risk it takes. （ ）
A:对 B:错 3.Only insurance companies are allowed to sell CDS protection. （ ）
A:对 B:错 4.Which of the following is not a problem faced by the insurance industry? （ ）
A:Moral hazard that people have the tendency to pay less attention to risk management after they have purchased insurance protection. B:Adverse selection that only the highest risk type seeks insurance protection. C:The whole insurance industry is subject to very little oversight and regulation. D:The problem that people tend to underestimate their needs for insurance products. 5.Which of the following is correct about the difference between life insurance and non-life insurance? （ ）
A:Life insurance and non-life insurance companies have very similar assets. B:Life insurance mainly concerns a person’s mortality risk and longevity risk. C:Non-life risks are typically more unpredictable. D:Non-life insurance mainly concerns a person’s financial losses due to a variety of uncertainty.