1.

nim bo him bt ngun:

a. T thi k c i; b. T tng Khng trng trong cng mt gi; c. Tt c cc cu trn v di u ng. d. T s on kt tng h;

2. Theo phng din php l th ngi c bo him cn phi bit tt c cc nh bo him trong
trng hp ng bo him. a. ng b. sai c. Ty trng hp c th

3. Theo phng din php l th ngi c bo him cn phi bit tt c cc nh ti bo him

trong trng hp ti bo him. a. ng b. sai c. Ty trng hp c th

4. Nh qun tr ri ro trong doanh nghip l ngi chuyn thu xp cc hp ng bo him cho

doanh nghip . a. ng b. ng nhng cha c. sai

5. Hp ng bo hm c xa nht cn lu gi:
a. c pht hnh ti Gnes b. c pht hnh ti Marseille Php c. c pht hnh ti Lun n Anh d. c pht hnh ti Trung Quc

6. Lloyds London ngy nay l danh t dng ch:

a. Mt cng ty bo him danh ting Anh Quc; b. Mt qun c ph ni ting ca Anh Quc; c. Mt th trng bo him bao gm nhiu th nhn v php nhn ngi bo him; d. Tr s ca mt t bo ni ting trong lnh vc hng hi.

7. y l quc gia nm trong top 3 c th trng bo him ln nht th gii xt v tng doanh thu
bo him (nhn th v phi nhn th) nm 2010: a. b. c. d. Trung Quc Nht bn Hn quc n

8. Trong hp ng bo him nhn th, t t l mt iu khon thuc nhm

a. b. c. d.

Phm vi bo him iu khon loi tr Phm vi bo him hay iu khon loi tr ty thuc vo thi gian tham gia. C 3 cu trn u sai.

9. Hot ng bo him 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 gia cc ch th kinh t x hi vi nh bo him; c. To ra c ch hon chuyn ri ro v gim thiu ri ro. d. To ra c ch hon chuyn ri ro gia cc ch th kinh t x hi tham gia bo him;

10. Ai l ngi u tin gii thiu thut ng qun tr ri ro (Risk Manegement)

a. Russel Gallagher; b. Ralf Blanchard; c. Douglas Barlow. d. Wayne Snider;

11. Nhng c im no di y l ph hp nht vi Nh qun tr ri ro

a. i mua bo him cho bt k ri ro no ca doanh nghip; b. Ch mua bo him cho mt s ri ro ca doanh nghip v ngn sch cng ty khng mua cho tt c; c. Ch mua bo him cho mt s ri ro cn thit v ph hp v v doanh nghip cng ng thi p dng cc bin php chng ri ro khc. d. Ch mua bo him cho mt s ri ro ca doanh nghip v khng phi ri ro no doanh nghip bo him cng c th m bo;

12. i tng ca qun tr ri ro trong mt doanh nghip l:

a. Cc ri ro thun. b. Cc ri ro kinh doanh. c. Ri ro ti chnh. d. Tt c cc ri ro trn.

13. Qun tr ri ro nhm mc tiu:

a. Ln phng n mua bo him v d ton ngn sch cho vic mua bo him nhm m bo cc ri ro ca doanh nghip; b. Tin hnh cc hot ng phng ri ro trong doanh nghip (trang b h thng PCCC, h thng bo ng chng trm,); c. Ln phng n v thc hin d phng t bo him m bo cc ri ro ca doanh nghip; d. Ti u ha gi ph ton b ca ri ro, phn b tt nht ngn sch ca doanh nghip vo vic: mua bo him, d phng t bo him, phng ri ro v hot ng qun l c lin quan.

14. Ai l ngi a ra thut ng Ri ro thun (Pure Risk) c ngha quan trng i vi ngnh
bo him thng mi v s ra i ca chc nng qun tr ri ro?

a. Wayne Snider; b. Ralf Blanchard; c. Russel Gallagher; d. Douglas Barlow.

15. Tham gia vo hot ng kinh doanh l mt hnh vi:

a. Trnh n ri ro; b. Chp nhn gnh chu ri ro; c. Mo him vi ri ro; d. Hon chuyn ri ro.

16. Cu no di y l c tnh thuyt phc t nht:

a. b. c. d. Bo him l phng thc x l ri ro u vit v n mang li li nhun vi t sut cao cho ngi mua bo him. Bo him l phng thc x l ri ro u vit v bo him lm gim thiu ri ro ca ton b nn kinh t x hi; Bo him l phng thc x l ri ro u vit v bo him s bi thng cho cc c nhn trong nn kinh t khi c tn tht xy ra; Bo him l phng thc x l ri ro u vit v bo him to ra mt knh huy ng vn c hiu qu p ng nhu cu vn cho u t pht trin nn kinh t;

17. Nm 2010, mt gin khoan du ca cng ty BP b n v chy trn vnh Mexico mt cch bt
ng. Gim nh xc nh nguyn nhn ca s c l ton b h thng bo v ca gin khoan khng hot ng. 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 tinh thn; d. Nguy c vt cht v nguy c o c;

18. Nguyn nhn ngu nhin c s dng trong lnh vc bo him thng mi nhm:
a. C 3 cu di u ng. b. Ch mt trong nhng iu kin m ri ro c th bo him; c. Ch mt bin c khch quan c ngun gc t nhin; d. Ch mt bin c ch quan, tc din ra di s tc ng ca con ngi, nhng hnh ng ch quan khng nhm mc ch gy ra tn tht;

19. Hy chn cm t thch hp nht in vo khong trng trong on vn di y:

Qu d tr bo him c to lp trc mt cch c thc, khc phc hu qu ni trn, bng cch b p cc tn tht pht sinh nhm ti lp v m bo tnh thng xuyn lin tc ca cc qu trnh x hi, Nh vy, trn phm vi rng, ton b nn kinh t x hi, bo him ng vai tr nh _____________ m bo kh nng hot ng lu di ca mi ch th dn c v kinh t. a. Mt l chn; b. Mt cng c an ton;

c. Mt cng c d phng; d. Mt cng c an ton v d phng.

20. Hy chn cm t thch hp nht in vo khong trng trong on vn di y:

Vi vic thu ph theo "nguyn tc ng trc", cc t chc hot ng bo him chim gi mt qu tin t rt ln th hin cam kt ca h i vi khch hng nhng tm thi nhn ri. Cc t chc bo him tr thnh nhng nh u t ln, quan trng cho cc hot ng khc ca nn kinh t quc dn. Bo him, do , khng ch ng vai tr ca mt cng c an ton m cn c vai tr ca _____________, nm gi phn quan trng trong cc doanh nghip cng nghip v thng mi ln. a. Mt nh u t trc tip; b. Mt trung gian ti chnh; c. Mt nh u t gin tip; d. Mt trung gian tn dng.

21. i tng ca bo him trch nhim l: (Chn cu sai nht)

a. Trch nhim hnh s c nhn; b. Trch nhim dn s ch xe c gii; c. Trch nhim nh mi gii bo him; d. C ba cu trn u ng.

22. Cng ty bo him da vo qui lut s ng khi d on tn tht c bo him s xy ra i vi

mt nhm ngi c bo him trong khong thi gian nht nh. Theo qui lut s ng, thng thng, cng quan st mt s kin no nhiu ln : a. Cng t kh nng s kin tr thnh thm ha i vi cng ty; b. Cng nhiu kh nng s kin tr thnh thm ha i vi cng ty; c. Cng nhiu kh nng kt qu quan st c s gn vi tn sut thc t xy ra s kin . d. Cng t kh nng kt qu quan st c s gn vi tn sut thc t xy ra s kin ;

23. Theo Lut Kinh doanh bo him, hp ng bo him l s tha thun gia:
a. Bn mua bo him v bn bo him; b. Ngi c bo him v Ngi bo him; c. Bn mua bo him v doanh nghip bo him; d. Ngi tham gia bo him v doanh nghip bo him.

24. iu g lm cho bo him thng mi khc bit trong x l ri ro, tn tht so vi cu tr x

hi: a. Ch ng x l ri ro trc khi c tn tht pht sinh; to tm l quyn c hng trn hp ng cho bn mua bo him, trnh tm l hm n; b. S tin bi thng bo him lun ln hn mc cu tr x hi; c. Hnh thnh qu tin t ln x l ri ro, tn tht d. C 3 cu trn u ng.

25. Tnh gia nhp ca hp ng bo him l:

a. HBH do 2 bn son tho ra b. HBH do doanh nghip bo him son tho ra c. HBH do bn mua bo him son tho ra d. HBH do ngi th 3 son tho ra

26. Cu no di y l sai? Mt hp ng bo him c chuyn nhng sang mt ngi khc

khi: a. Ti sn c bo him thay i ch s hu; b. C s chuyn dch quyn v ngha v chm sc, gim h ngi c bo him; c. C s chuyn dch ri ro; d. Khng c cu no trn ng.

27. Theo Lut Kinh Doanh Bo Him 2000, bng chng hp ng bo him c giao kt l:
a. Th chp nhn bo him ca doanh nghip bo him; b. Giy chng nhn bo him; c. n bo him; d. Giy chng nhn bo him v n bo him.

28. Hp ng bo him c thit lp di hnh thc:

a. Bng li ni; b. Bng vn bn; c. Bng hnh vi c th; d. Cu (b) v (c) u ng.

29. in vo ch trng t thch hp:

Khi giao kt hp ng bo him, doanh nghip bo him c trch nhim cung cp y .................. lin quan n hp ng bo him, gii thch cc iu kin, iu khon bo him cho bn mua bo him; bn mua bo him c trch nhim cung cp y ..................lin quan n i tng bo him cho doanh nghip bo him. Cc bn chu trch nhim v tnh chnh xc, trung thc ca ................... Doanh nghip bo him c trch nhim gi b mt v ..................do bn mua bo him cung cp a. Thng tin; b. H s, ti liu; c. Mu biu d. C ba cu trn u ng.

30. Bo him trng l:

a. Mt i tng bo him c bo him bi hn mt ngi bo him vi cng iu kin bo him v c tng s tin bo him ln hn gi tr bo him b. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him c. Mt i tng bo him c bo him bi mt ngi bo him v c tng s tin bo him gp i gi tr bo him

d. Mt i tng bo him c bo him bi hn mt ngi bo him v c tng s tin bo him bng gi tr bo him

31. Bo him trn gi l:

a. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him; b. Mt i tng bo him c bo him bi hn mt ngi bo him v c tng s tin bo him ln hn gi tr bo him; c. Mt i tng bo him c bo him bi mt ngi bo him v c tng s tin bo him ln hn gi tr bo him; d. Mt i tng bo him c bo him bi hn mt ngi bo him v c tng s tin bo him bng gi tr bo him.

32. ng bo him l :
a. Mt i tng bo him c bo him bi hn mt ngi bo him, cng iu kin bo him v c tng s tin bo him bng gi tr bo him b. Mt i tng bo him c bo him bi mt ngi bo him v c tng s tin bo him ln hn gi tr bo him c. Mt i tng bo him c bo him bi hn mt ngi bo him, cng iu kin bo him v c tng s tin bo him ln hn gi tr bo him d. Hai i tng bo him khc nhau c bo him bi cng mt ngi bo him

33. Hy chn mc vn php nh theo qui nh hin hnh cho doanh nghip bo him (theo th t:
phi nhn th, nhn th): a. 70; 140 t ng Vit Nam b. 300; 600 t ng Vit Nam c. 140; 70 t ng Vit Nam d. 600; 300 t ng Vit Nam

34. Cc t chc bo him tng h c c trng:

a. Hot ng khng v mc ch kinh doanh b. Cc thnh vin u l ngi bo him c. L mt php nhn d. Cc cu trn u ng

35. C quan Nh nc chu trch nhim trc tip qun l hot ng kinh doanh bo him ca cc
doanh nghip bo him ti Vit Nam l: a. b. c. d. B Thng Mi B K Hoch u t Hip hi bo him B Ti Chnh nam khng th thnh lp di hnh thc php l no?

36. Cc cng ty bo him nhn th, phi nhn th v ti bo him hot ng trn th trng Vit

a. b. c. d.

Cng ty trch nhim hu hn Cng ty lin doanh Doanh nghip t nhn Cng ty c phn

37. Nguyn tc khon c p dng cho :

a. Ch vi cc hp ng bo him con ngi; b. Tt c cc hp ng bo him ti sn, trch nhim v con ngi; c. Ch vi cc hp ng bo him ti sn; d. Ch vi cc hp ng bo him trch nhim;

38. im u vit ca bo him nhn th so vi tit kim l:

a. Li sut cao; b. Kt hp dch v cho vay theo hp ng; c. Khng ch cung cp dch v tit kim m cn cung cp dch v bo v cho ngi c bo him; d. Cht lng dch v.

39. Mt hp ng bo him p dng nguyn tc bi thng c ngha l trong mi trng hp, s

tin bi thng ca doanh nghip bo him a. Khng vt qu gi tr tn tht thc t ca ti sn c bo him v trong phm vi s tin bo him m hai bn tha thun lc giao kt hp ng; b. Khng vt gi tr thc t ca ti sn c bo him; c. Khng vt gi tr tn tht thc t ca ti sn c bo him; d. Khng vt qu s tin bo him m hai bn tha thun lc giao kt hp ng;

40. Vi vai tr v chc nng ca mnh, bo him c tc dng tch cc l tch t vn m bo:
a. Ti sn xut gin n; b. Ti sn xut m rng; c. Ti sn xut gin n v m rng d. Cu a ng b sai

41. Dy phn cch c s dng ngn hai tuyn giao thng ngc chiu trong giao thng ng b
nhm: a. C 3 cu di u ng. b. Gim thiu nguy c; c. Gim thiu ri ro; d. Gim thiu tn tht;

42. Hy chn cm t thch hp nht in vo khong trng trong on vn di y:

_______________ chnh l vic thc hin nhng la chn tt, ly quyt nh thch nghi trong cuc sng hng ngy. Trn thc t, ch c th ________________ khi c th c s la chn v trong vic chp nhn ri ro ny hay _______________ kia l hp l hay khng hp l. a. Chp nhn ri ro;

b. Hon chuyn ri ro; c. Trnh n ri ro; d. T bo him.

43. i vi ti sn l i tng bo him, vic bn mua bo him c hnh ng trc li dn n b

thit hi, ph hy, hnh ng gi l: a. Mt ri ro o c; b. Mt him ha o c; c. Mt nguy c o c; d. C 3 cu trn u ng.

44. Cu no di y l khng ng?

a. Bo him l s ng gp ca s ng vo s bt hnh ca s t; b. Bo him ging nh l mt hnh thc c cc. Ph bo him ging nh tin t cc v n nh hn rt nhiu so vi s tin bi thng (tng t l khon thng trng cc); c. Bo him l mt phng sch h gim ri ro bng cch kt hp mt s lng y cc n v i tng bin tn tht c th thnh tn tht cng ng v c th d tnh c; d. Bo him l mt nghip v qua , mt bn l ngi c bo him cam oan tr mt khon tin gi l ph bo him thc hin mong mun cho mnh hoc cho mt ngi th 3 trong trng hp xy ra ri ro s nhn c mt khon n b cc tn tht c tr bi mt bn khc: l ngi bo him.

45. Vic n nh mc ph bo him khc nhau gia cc i tng c ri ro khc nhau nhau nhm
m bo tnh: a. cng bng b. y c. hp l d. a v c ng

46. Ph bo him m khch hng ng cho cng ty bo him l:

a. Ph thun b. Ph thng mi c. Ph ton phn d. C 3 cu trn u ng

47. Vic p dng nguyn tc quyn li c th bo him nhm bo v cho:

a. i tng c bo him b. Ngi th hng quyn li bo him c. Doanh nghip bo him d. Bn mua bo him;

48. p dng nguyn tc quyn li c th bo him th ng ngoi c quyn mua bo him nhn
th cho chu.

a. ng trong mi trng hp b. Ch khi chnh chu ngoi xc nhn ng nu chu ngoi ln hn 18 tui. c. Ch khi c b m ca chu ngoi ng nu chu nh hn 18 tui. d. B, C ng.

49. Vic p dng nguyn tc trung thc tuyt i l do :

a. Tnh bt cn xng thng tin ca HBH b. Tnh gia nhp ca HBH c. Tnh song v ca HBH d. C 3 cu trn u ng;

50. Trong hp ng bo him nhn th, i tng no sau y c quyn thay i trong khi hp
ng c hiu lc (Chn cu sai nht): a. Ngi c bo him b. Bn mua bo him c. Ngi th hng d. C 3 cu trn u sai;

51. Nh nhp khu c php mua bo him cho hng ha xut nhp khu d cha c quyn li c
th bo him theo iu 3 khon 9 lut kinh doanh bo him. Kt lun no sau y l chnh xc: a. ng theo tp qun thng mi b. Vic ny vi phm lut php Vit Nam c. c quy nh trong Lut khc ngoi lut kinh doanh bo him d. C 3 cu trn u sai;

52. i tng no sau y c php hy hp ng bo him?

a. Bn mua bo him b. Doanh nghip bo him. c. Ngi th hng d. C 3 cu trn u sai;

53. Loi hnh bo him no sau y p dng k thut dn tch:

a. Bo him nhn th b. Bo him ti sn c. Bo him trch nhim d. Bo him tai nn, sc khe con ngi

54. Qu d phng nghip v no sau y khng c trong doanh nghip bo him phi nhn th:
a. D phng ton hc b. D phng ph cha c hng c. D phng bi thng d. D phng dao ng ln.

55. Bin kh nng thanh ton ti thiu ca doanh nghip bo him c tnh bng cch:

a. Tng ti sn Tng n phi tr b. Tng ti sn Tng n phi tr n hn c. Ti sn ngn hn N ngn hn d. C 3 cu trn u sai;

56. Sn phm sau y c xem l sn phm thay th cho tnh cht bo v ca bo him:
a. Bao thanh ton b. Bo lnh n c. Chng ch qu u t d. C 3 cu trn u sai;

57. Theo quy nh hin nay th loi hnh doanh nghip no sau y c trin khai sn phm bo
him bt buc: a. Doanh nghip bo him nhn th b. Doanh nghip bo him phi nhn th 100% vn nc ngoi c. Doanh nghip bo him nc ngoi c chi nhnh ti Vit Nam. d. C 3 cu trn u sai;

58. Ngun vn no sau y trong doanh nghip bo him c u t khng gii hn vo c phiu
nim yt: a. Qu d phng nghip v b. Vn vay ngn hng c. Vn ch s hu d. C 3 cu trn u sai;

59. Actuary l: (chn cu ng nht)

a. Ngi c trch nhim nh ph bo him b. Ngi c trch nhim nh ph bo him v thc hin cng tc trch lp cc qu d phng nghip v ca doanh nghip bo him. c. Ngi c trch nhim v cc vn u t ca doanh nghip bo him. d. Ngi c trch nhim qun l cng tc u t v qun l ngun vn ca doanh nghip bo him.

60. K t nm 2012 t l ti bo him bt buc cho VinaRe l:

a. 10% b. 20% c. Bi b d. C 3 cu trn u sai;

61. 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 cng lnh nn; b. Mt ngi t t v l do c nhn;

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c. Mt anh hc sinh hc hnh chm ch, nhng trn ng n trng thi th gp tai nn dn n tr gi 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 sau khi a bn vo b.

62. Loi bo him c coi l loi hnh c kinh doanh u 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;

63. Hnh thc Giy chng nhn bo him c p dng trong 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;

64. Nm 1988, tu Linh c mt tu tun tiu ca Cng Si Gn b bc chy bt ng. Gim nh

xc nh nguyn nhn ca s c l do chic n dy tc s dng lin tc trong nhiu gi b n trong hm my c iu kin 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; d. Nguy c vt cht v nguy c tinh thn;

65. 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 ngh nghip ca ngi c bo him; d. a, b, c, u ng;

66. Hy chn t thch hp nht in vo khong trng trong on vn di y:

T nhiu cuc kho cu thc hin, ngi ta ln lt a ra nhiu nh ngha v qun tr ____________. C ngi cho rng: Qun tr ____________ l mt mn hc v vic chp nhn cuc sng vi kh nng cc bin c trong tng lai c th nguy him hay Qun tr ____________ nhm bo v ti sn ca doanh nghip , trong iu kin gi ph hp l nht, chng la nhng hu qu c th tc ha n qu trnh 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;

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c. S thay i: d. Doanh nghip.

67. 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;

68. Theo Ralf Blanchard - cu gio s bo him ca Columbia University th i tng ca qun
tr ri ro trong 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;

69. Theo quy nh ca php lut, bn mua bo him him c ngha v cung cp thng tin v ri ro
cho doanh nghip bo him: a. Trc khi giao kt hp ng bo him bng cch in vo giy yu cu bo him; b. Trong khi thc hin hp ng bo him khi c yu t lm gia tng ri ro; c. Khi c tn tht xy ra nhm cung cp thng tin v nguyn nhn v mc tn tht; d. C 3 cu trn u ng;

70. Cc cng ty bo him 100% vn Vit Nam ang hot ng 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;

71. C quan qun l nh nc i vi hot ng kinh doanh bo him Vit Nam l:

a. V bo him thuc B Ti chnh b. Cc gim st v qun l bo him thuc B Ti chnh; c. Phng qun l bo him thuc B Ti chnh d. Cc bo him thuc B Cng Thng;

72. 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 ng ln cng i tng; d. L cch gi khc ca him ha.

73. Theo cam kt gia nhp WTO, sau 05 nm, cc cng ty bo him nc ngoi c php thnh
lp chi nhnh hot ng Vit Nam trong lnh vc:

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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;

74. Tm cu sai di y:
a. Theo Lut Kinh doanh bo him (2000), hp ng bo him l s tha thun gia doanh nghip bo him v bn mua bo him; b. Theo php lut Vit Nam, hp ng bo him phi lp 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;

75. Ai l ngi u tin gii thiu khi nim c bn Gi ph ton b ca ri ro c ngha trong
vic pht trin chc nng qun tr ri ro khng ch trong doanh nghip m cn i vi bt k t chc no: a. Wayne Snider; b. Russel Gallagher; c. Ralf Blanchard; d. Douglas Barlow.

76. Hot ng bo him hot ng da trn nguyn tc Trung 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;

77. Gi d rng A v B mi ngi u c th b tai nn trong vng mt nm ti, vi xc sut xy ra

tai nn l 20%, tng ng vi thit hi l 5 triu ng. Nu hai ngi ny ng lp qu chung v chia s ng u mi tn tht xy ra. Xc sut A v B u gnh chu tn tht 5 triu ng l: a. 0,16; b. 0.04; c. 0,64; d. 0,32;

78. Theo cam kt gia nhp WTO, cng ty bo him nc ngoi c cung cp dch v qua bin
gii vo lnh th 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 gi ri ro v gii quyt bi thng; b. Dch v bo him cho cc doanh nghip c vn u t nc ngoi v ngi nc ngoi lm vic Vit Nam;

13

c. Cc ri ro lin quan n vn ti hng hi hng khng thng mi quc t v bo him hng ha ang vn chuyn qu cnh quc t; d. Tt c cc cu trn u ng;

79. Nguyn tc bi thng c p dng cho:

a. Ch c hp ng bo him ti sn v trch nhim dn 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;

80. 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 s tht nhm giao kt hp ng bo him c tr tin bo him hoc c bi thng; b. Khi c s thay i nhng yu t lm c s tnh ph dn n tng cc ri ro c bo him; c. Ngi c bo him khng thc hin cc bin php m bo an ton cho i tng bo him; d. Tt c cc cu trn u ng.

81. Nm 2011, trn th trng bo him phi nhn th Vit Nam, nghip v bo him ng u v
doanh s l: a. Bo him tu bim; b. Bo him xy dng lp t c. Bo him tai nn v sc khe; d. Bo him xe c gii;

82. Thut ng gi tr bo him c s dng trong hp ng:

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;

83. Hot ng bo him ra i t:

a. T thi c i Ai Cp b. T th k th 17 ti SCN li Lloyds Coffee House (London UK) c. Th k 14 ti Genes d. Th k th 14 ti Php

84. Society of Lloyds l tn gi ca:

a. Mt cng ty bo him hng hi u tin Anh Quc b. Mt t chc dn s thu xp a dim giao dch bo him cho cc nh khai thc bo him hng hi c. Mt t chc dn s ca cc hng tu bin Lun n Anh Quc d. Mt qun c ph Lun n Anh Quc

14

85. Cc cng ty bo him 100% vn nc ngoi ang hot ng trn th trng Vit Nam di hnh
thc php l: a. Cng ty trch nhim hu hn b. Cng ty c phn c. Cng ty hp danh d. Doanh nghip t nhn

86. Theo cam kt gia nhp WTO, vn ti bo him bt buc cho VinaRe s:
a. Tip tc duy tr nh c vi t l 20% b. Tip tc duy tr nhng vi t l thp hn l 10% c. Xa b ch ti bo him bt buc ngay tc khc d. Xa b ch ti bo him bt buc sau 01 nm k t ngy gia nhp

87. Theo cam kt gia nhp WTO, i vi cc loi hnh bo him bt buc th:
a. Bo him nc ngoi khng c php kinh odanh bo him bt buc b. Bo him nc ngoi c php cung cp dch v bo him bt buc qua bin gii c. Bo him nc ngoi c php kinh doanh cc loi hnh bt buc m khng c gii hn no d. Bo him nc ngoi c php kinh doanh bo him bt buc sau 1 nm gia nhp v thng qua vic thnh lp cng ty bo him 100% vn nc ngoi ti Vit Nam

88. Nhng cng vic no di y thuc v chc nng qun tr ri ro trong mt doanh nghip?
a. Nhn dng cc ri ro c th c e da ti sn ca doanh nghip b. Thu thp d liu, x l thng tin nhm o lng, nh gi nhng ri ro c. a ra gii php x l ri ro khng ch bng vic hon chuyn cho nh bo him thng mi m cn bng mt h thng cc k thut x l ng b khc d. C 3 cu trn u ng

89. L do ca vic chp nhn gnh chu ri ro l:

a. Khng cn cch no khc tt hn v cng khng th n trnh b. Do cha nhn bit ri ro c. Chp nhn mt ri ro d. C 3 cu trn u ng

90. Hy chn cm t thch hp nht in vo khong trng ca on vn di y:

... l mt iu kin lm gia tng kh nng tn tht. Khng c .., ri ro vn tn ti, c ..., kh nng ri ro pht ng cao hn. Do , gim thiu ..... ch c th lm gim kh nng xy ra bin c ch khng lm gim thiu hay trit tiu ri ro. a. Him ha b. Nguy c c. Tn tht d. S khng chc chn

91. Bo him dng ch:

15

a. Vic hnh thnh mt qu tin t bo him b. Mt hot ng m c s hon chuyn ri ro c. Mt hot ng nhm kt hp s ng cc n v i tng ring l v c lp, chu cng mt ri ro thnh mt nhm tng tc d. C 3 cu trn u ng

92. Loi no di y khng thuc ch bo him bt buc Vit Nam?

a. Bo him trch nhim dn s ch xe c gii b. Bo him trch nhim ca hng hng khng dn dng i vi hnh khch i trn my bay c. Bo him chy n d. Bo him xy dng v lp t

93. Hp ng bo him l loi hp ng trong c cc c im:

a. Hp ng chnh tc v hp ng n v b. Hp ng ngang gi v hp ng chnh tc c. Hp ng may ri v hp ng song v d. Hp ng n v v hp ng tha thun

94. Trch nhim cung cp thng tin:

a. Chm dt khi hon tt giy yu cu bo him b. Chm dt khi giy yu cu bo him c gi ti cng ty bo him c. Chm dt khi cng ty bo him cp n d. Khng chm dt. Trch nhim ny c p dng t khi yu cu bo him n ton b qu trnh thc hin hp ng

95. Tiu chun quan trng nht t chc tham gia bo him c coi l c nng lc k kt hp
ng l: a. c thnh lp hp php v c php lut cho php hot ng b. C vn iu l gp 2 ln so vi vn php nh c. Doanh nghip Nh nc hoc cng ty c phn d. C ti sn ring v c lp

96. Nu cng ty bo him k hp ng bo him cho hnh vi n trm th hp ng bo him ny

khng hp l do: a. Cc bn khng nng lc k kt hp ng b. Khng c s trao i hng ha, dch v c. Mc ch ca hp ng khng hp php d. C 3 cu trn u ng

97. Cn c theo quy nh ca php lut Vit Nam, khi mt doanh nghip bo him mt kh nng
thanh ton, B Ti Chnh s: a. Sn sng thanh ton s tin theo cc hp ng cho khch hng

16

b. Yu cu mt doanh nghip c uy tn nhn chuyn giao ton b cc hp ng ca doanh nghip c nguy c mt kh nng thanh ton c. Sp nhp doanh nghip c nguy c mt kh nng thanh ton vi doanh nghip c hiu qu nhm m bo quyn li cho khch hng d. Ch nh doanh nghip nhn chuyn giao nhm m bo khng thay i quyn li bo him i vi khch hng

98. 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;

99. Hp ng bo him c tnh cht may ri l v:

a. N ging nh hot ng c cc b. V tin bo him tr ln hn nhiu so vi ph bo him b ra c. Ngha v pht sinh gn lin vi ri ro d. V ngi c bo him c kh nng kim li

100.

Mt hp ng bo him p dng nguyn tc khon c ngha l trong mi trng hp, s

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

101.

Theo Lut Kinh Doanh Bo Him (2000), ngi c quyn li c th bo him i vi

mt ti sn no khi: a. Ch khi ngi l ch s hu ca ti sn b. Khi ngi c ch s hu ti sn y quyn k hp ng bo him c. Khi ngi l gim c iu hnh doanh nghip hoc t chc m doanh nghip, t chc l ch th s hu ti sn d. L c nhn hoc php nhn c quyn s hu, quyn chim hu, quyn s dng, quyn ti sn i vi ti sn

102.

Vic p dng thi gian ch 1 nm trc khi d b cc ro cn i vi bo him nc

ngoi l nhm nhng mc ch nht nh. Cu no di y l khng hp l: a. M ca tng bc m bo cho s n nh th trng, trnh xo trn; b. Kin ton php lut v kh nng qun l ca nh nc i vi th trng bo him hu gia nhp WTO;

17

c. To iu kin doanh nghip bo him Vit Nam c thi gian hp l thch ng vi mi trng hi nhp; d. C ko di thi gian p dng chnh sch bo h cho doanh nghip bo him Vit Nam;

103.

C nhn v t chc kinh doanh u phi i mt vi 2 loi ri ro. Ri ro thun ty v

ri ro u c. Theo nh ngha, ri ro thun ty l ri ro c hu qu: a. Ch lin quan n kh nng him ha b. Ch lin quan n kh nng tn tht c. Lin quan n c kh nng tn tht v kh nng him ha d. Khng c cu no ng

104.

Hot ng bo him ni chung hot ng da trn nguyn tc c bn:

a. Trung thc ti a b. S ng c. Quyn li c th bo him d. C 3 cu trn u ng

105.

Bo him l phng thc x l ri ro u vit nht v:

a. Bo him lm phn tn tn tht, gim thiu ri ro ca ton b nn kinh t - x hi b. Bo him s bi thng cho cc ch th trong nn kinh t - x hi khi c tn tht xy ra c. Bo him to ra mt knh huy ng vn c hiu qu p ng nhu cu vn cho u t pht trin nn kinh t d. Mt l do khc

106.

Mt hp ng ti bo him c hnh thnh gia:

a. Ngi c bo him v cng ty bo him b. Ngi c bo him v cng ty ti bo him c. Cng ty bo him v cng ty ti bo him d. Cng ty bo him v B Ti Chnh

107.

c th c bo him, ri ro phi c mt s c im nht nh. Mt trong nhng

c im l: a. C nguyn nhn ngu nhin b. C kh nng xy ra tn tht hng lot c. Do php lut bt buc d. Con ngi khng c li

108.

c th c bo him, ri ro phi c mt s c im nht nh. Mt trong nhng

c im l: a. Gy ra hu qu tn tht ti chnh ln v ph bo him phi kinh t b. S tin bi thng tn tht do ri ro ln hn s tin tn tht thc t c. Cng ty bo him phi c th tin on mi tn tht ngi yu cu bo him ri ro s gnh chu d. Gy hu qu ti chnh cho c cng ty bo him v ngi c bo him mi c bo him

18

109.

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 bo him tr ln c pht hnh bi nhiu doanh nghip bo him khc nhau vi cng phm vi bo him 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 bo him v c s tin bo him gp i gi tr bo him; d. Mt ti sn c bo him bi t 2 hp ng bo him tr ln c pht hnh bi nhiu doanh nghip bo him khc nhau v c tng s tin bo him ca cc hp ng ln hn gi tr bo him;

110.

Theo cam kt gia nhp WTO, vic cung cp dch v bo him phi nhn th ca nc

ngoi vo Vit Nam theo phng thc: a. Hin din th nhn; b. Cung cp qua bin gii; c. Hin din thng mi; d. Tiu dng lnh th;

111.

pht trin th trng bo him, c kin xut phi sa i mt s quy nh php

l hin hnh v hp ng bo him. Gii php ny tc ng vo yu t cu thnh 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;

112.

Mt ch xe khng kinh doanh c mua bo him bt buc trch nhim dn s ca ch xe

c gii. Khi s dng xe gy thit hi mt ngi ang iu khin xe khc v phi bi thng trch nhim ngoi hp ng cho nn nhn. Gi s trng hp ny thuc phm vi bo him ca hp ng bo him mua. Trng hp ny, doanh nghip bo him pht hnh hp ng bo 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;

113.

Doanh nghip bo him khi la chn danh mc u t phi m bo cc nguyn tc

theo th t u tin trc sau: a. An ton, sinh li, tnh thanh khon ca khon u t; b. An ton, tnh thanh khon ca khon u t, sinh li; c. Sinh li, tnh thanh khon ca khon u t, an ton; d. Sinh li, an ton, tnh thanh khon ca khon u t.

19

114.

Loi tr trong mt hp ng bo him l iu khon quy nh nhng trng hp m

nu n xy ra, doanh nghip bo him khng pht sinh trch nhim bi thng/ tr tin bo him, trong bao gm cc trng hp: a. Ri ro khng th bo him; b. Ri ro c th bo him nhng thuc phm vi bo him khc nhng d nhm ln trong n bo him ny; c. Thuc khi nim ri ro thuc n bo him nhng doanh nghip bo him khng th qun l nn ch ng loi tr trch nhim; d. C ba trng hp trn;

115.

Vi vai tr v chc nng ca mnh, bo him c tc ng tch cc l thc y thc

phng hn ch ri ro cho a. Bn mua bo him b. Ngi c bo him c. Cc thnh vin trong cng ng bo him d. Mi thnh vin trong x hi

116.

Theo quy nh ca lut php ca Vit Nam, i tng no di y khng thuc i

tng ca bo him phi nhn th? a. Thng tt con ngi b. Sc khe con ngi c. Tui th ca con ngi d. Ti sn

117.

Trch nhim th hin cam kt trung thc tuyt i:

a. p dng cho ngi c bo him b. p dng cho cng ty bo him c. p dng cho c cng ty bo him v ngi c bo him

118.

Theo quy nh ca php lut Vit Nam, i tng no di y khng thuc i tng

ca bo him con ngi: a. Thng tt chc nng b. Thng tt ngh nghip c. Ti sn d. Tui th ca con ngi

119.

Theo quy nh ca Lut Kinh doanh Bo him, nu bn mua bo him khng ng hoc

ng khng ph bo him th doanh nghip bo him c: a. Khi kin i bn mua bo him ng ph bo him b. n phng nh ch hp ng bo him c. ngh ngi tham gia bo him ng ph d. (b) v (c) u ng

20

120.

Trong 4 cu di y, c 1 cu l v d v tn tht hu qu ca mt ri ro trch nhim.

Hy chn cu : a. Tn tht kinh t i vi mt ngi ch nh hng do phi tr chi ph iu tr cho mt khch hng b ng c thc n khi n ti ti nh hng b. Tn tht kinh t ca mt gia nh khi ngi nh ca h b chy c. Tn tht kinh t ca mt ngi chng khi v anh ta b tai nn d. Tn tht kinh t ca mt nh u t chng khon khi ch s trn th trng b st gim

121.

Trong cc nhn t sau y, nhn t no cu thnh th trng bo him:

a. Cc cng ty bo him v cc cng ty ti bo him b. Cc cng ty mi gii bo him v i l bo him c. Ngi mua bo him d. Tt c cc nhn t trn

122.

Cn c vo k thut bo him, bo him c phn loi thnh:

a. Ti sn, trch nhim, con ngi; b. Phn b v dn tch c. Bi thng v khon d. Bt buc v t nguyn

123.

Cn c vo nguyn tc chi tr bi thng, bo him c phn loi thnh:

a. Ti sn, trch nhim, con ngi; b. Phn b v dn tch c. Bi thng v khon d. Bt buc v t nguyn

124.

Cn c vo phng thc qun l, bo him c phn loi thnh:

a. Ti sn, trch nhim, con ngi; b. Phn b v dn tch c. Bi thng v khon d. Bt buc v t nguyn

125.

Cn c vo i tng bo him, bo him c phn loi thnh:

a. Ti sn, trch nhim, con ngi; b. Phn b v dn tch c. Bi thng v khon d. Bt buc v t nguyn

126.

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 ch 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;

21

d. C 3 cu a, b, c u sai;

127.

V ch m bo v cc mc m bo, so vi BH Thng Mi th BHXH c th

p ng: a. mc ti thiu v cn c theo thc t pht sinh b. Khng c gii hn (theo tha thun ca ngi tham gia) c. Cn c theo thc t pht sinh d. c nhn ton b STBH khi xy ra s kin bo him

128.

Theo nguyn tc chi tr/bi thng ca nh bo him th bo him ti sn khng c:

a. Bo him di gi tr b. Bo him trn gi tr c. ng bo him d. Bo him ng gi tr

129.
a. b. c. d.

i vi loi hnh bo him con ngi, c th c nhiu hp ng cng m bo cho mt Nguyn tc khon Nguyn tc bi thng Nguyn tc th quyn v cu hon Nguyn tc Lut s ln Nguyn tc th quyn v cu hon l h qu ca nguyn tc:

i tng v p dng nguyn tc:

130.
a. Khon;

b. Bi thng c. Quyn li c th c bo him d. Nguyn nhn gn

131.
a. b. c. d.

Nguyn tc th quyn p dng i vi: Bo him ti sn, bo him trch nhim Bo him ti sn, bo him nhn th Bo him trch nhim, bo him nhn th Bo him ti sn, bo him trch nhim, bo him nhn th Trong vic giao kt HBH, ai l ngi c quyn y quyn giao kt hp ng:

132.

a. Tng Gim c; b. Ch tch hi ng qun tr c. TG v nhng c nhn c TG y quyn d. c 3 cu trn u sai.

133.

Mt ngi tham gia BHXH bt buc, khi xy ra tai nn, c th:

a. Khng th i bi thng t BHXH v nhn bi thng t BH Con ngi trong BH Thng Mi; b. Khng th i bi thng t BHXH v nhn bi thng t pha ngi (c li) gy ra tai nn cho mnh;

22

c. C th i bi thng t BHXH d nhn bi thng t mt bn khc ; d. C th i bi thng t BHXH ca ngi gy ra tai nn cho mnh do h c li;

134.

i tng c bo him ca BHXH l:

a. Sc khe, tnh mng, thn th, hu tr; b. Ti sn, trch nhim, tnh mng, thn th con ngi; c. Trch nhim, sc khe, tnh mng, thn th con ngi; d. Tnh mng, thn th con ngi

135.

Ti sn ca bn c bo him c gi tr 100 triu ng, c bo him ng thi bi 2

HBH ti DNBH A v DNBH B vi s tin bo him ln lt l 70 triu ng v 80 triu ng. Nu xy ra s c tn tht c thit hi l 45 triu ng, thuc trch nhim bi thng, th trch nhim ca mi DNBH s c phn nh theo: a. ng bo him, STBT ln lt l 21 v 24 triu ng b. Bo him trng, STBT ln lt l 21 v 24 triu ng c. Ch 1 DNBH chi tr vi STBT l 45 triu ng d. Khng DNBH no phi chu trch nhim.

136.

Trong trng hp cho thu ti chnh gm bn thu v bn cho thu, trch nhim mua

bo him thuc v: a. Bn thu. b. c. d. Bn cho thu Theo tha thun, nhng bn cho thu l ngi th hng Theo tha thun, nhng bn thu l ngi th hng Ti bo him l mt k thut m DNBH dng : Dn tri ri ro; Phn chia ri ro; N trnh ri ro; Chuyn giao ton b ri ro. Trong Ti bo him, khi tn tht xy ra, ngi BH c th i bi thng : C t DNBH gc ln DN nhn ti bo him Trc tip t DN nhn ti bo him Ch t DNBH gc C 3 cu u ng. Trong ng bo him, khi s kin bo him xy ra, ngi mua BH c th i bi T tt c cc DNBH thc hin ng bo him Ch t DNBH gi v tr ng u T tt c DNBH hay DNBH gi v tr ng u ty theo thng lng Ty theo mun ca ngi mua BH. thng: a. b. c. d.

137.
a. b. c. d.

138.
a. b. c. d.

139.

23

140.
a. b. c. d.

Bo him l phng thc x l ri ro u vit nht khi m tn sut ca tn tht l Cao / cao Thp / thp Thp / cao Cao / thp Vic bt buc i m bo him nhm _________ tai nn giao thng: Gim thiu nguy c; Gim thiu ri ro; Gim thiu tn tht; Gim thiu him ha. S liu no di y l ca th trng bo him th gii nm 2006

---------- v mc nghim trng l --------:

141.
a. b. c. d.

142.

a. 1,275,616 triu USD (BHPNT); 1,682,743 triu USD (BHNT) b. 1,514,094 triu USD(BHPNT); 2,209,317 triu USD (BHNT) c. 1,397,522 triu USD (BHPNT); 1,866,636 triu USD (BHNT) d. 1,442,258 triu USD (BHPNT); 2,003,557 triu USD (BHNT)

143.
a. b. c. d.

Dy phn cch c s dng ngn hai tuyn giao thng ngc chiu trong giao thng Gim thiu nguy c Gim thiu ri ro; Gim thiu tn tht; Gim thiu him ha. Mc ch ca mt ngi i khm bc s nh k l: Gim thiu nguy c Gim thiu ri ro; Gim thiu tn tht; C 3 cu trn u ng; Mc ch mt ngi m i khm bc s l:

ng b nhm:

144.
a. b. c. d.

145.

a. Gim thiu nguy c b. Gim thiu ri ro c. Gim thiu tn tht d. C 3 cu trn u ng

146.

Gim thiu nguy c

a. L gim thiu ri ro b. Lm gim thiu ri ro c. L gim thiu mc trm trng ca ri ro d. Lm gim thiu mc trm trng ca ri ro

24

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