真题2
高考英语全国卷2真题参考答案
高考英语全国卷2真题第I卷第一部分：听力(共两节，满分30分)第一节(共5小题;每小题1.5分，满分7.5分)听下面5段对话。
每段对话后有一个小题，从题中所给的A、B、C三个选项中选出最佳选项，并标在试卷的相应位置。
听完每段对话后，你都有10秒钟的时间来回答有关小题和阅读下一小题。
每段对话仅读一遍。
1.What does the woman say about Susan?A. Susan is a fast worker.B. Susan did Jack’s homework.C. Susan didn’t do all her own homework.2.What does the man suggest that the woman should do?A. Put her report on his desk.B. Improve some parts of her paper.C. Mail her report to the publisher.3.If they leave now, how long will they be late for the show?A. 5 minutes.B. 10 minutes.C. Half an hour.4.What does the man think of the car?A. The car looks fine.B. It runs well, but it looks old.C. The engine is good, but the brakes need work.5.What are the two speakers talking about?A. A weekend plan.B. A football game.C. A weekend movie.第二节(共15小题;每小题1.5分，满分22.5分)听下面5段对话或独白。
22年考研英语真题二答案
22年考研英语真题二答案(文章正文开始)阅读理解部分：Passage 1题目：The importance of motivation答案：In this passage, the author emphasizes the importance of motivation in achieving success. Motivation is presented as the driving force behind individuals' actions and as a key factor in overcoming challenges. The author suggests that motivation can be fostered through setting goals, seeking support, and maintaining a positive mindset.Passage 2题目：The impact of climate change on biodiversity答案：This passage discusses the detrimental effects of climate change on biodiversity. It highlights the loss of species diversity, habitat destruction, and the disruption of ecosystems as consequences of global warming. The author emphasizes the urgency of taking action to mitigate the effects of climate change and protect the Earth's biodiversity.Passage 3题目：The benefits of meditation答案：In this passage, the author explores the various benefits of meditation. The practice of meditation is shown to have positive effects on mental well-being, reducing stress and anxiety. It is also linked to improved focus, enhanced creativity, and better overall health. The author suggests incorporating meditation into daily routines for maximum benefits.Passage 4题目：The evolution of technology in education答案：This passage traces the evolution of technology in education and its impact on learning. From traditional classrooms to online platforms and virtual reality, the author discusses how technology has revolutionized teaching methods and widened access to education. The benefits and challenges of integrating technology in classrooms are examined, with an emphasis on the need for digital literacy.翻译部分：翻译一题目：How does technology affect our daily lives?答案：技术对我们日常生活的影响是多方面的。
2022年国家法律职业资格考试《客观题卷二》真题_2
2022年国家法律职业资格考试《客观题卷二》真题2022年国家法律职业资格考试《客观题卷二》真题单选题（共53题，共53分）1.小倩（9岁）的父亲因坐牢与小倩的母亲离婚，小倩的母亲再婚生子后虐待小倩，小倩的祖父母想要成为其监护人。
以下说法正确的是（）。
A.祖父母想要成为其监护人，需要向法院申请B.因小倩母亲的虐待行为，祖父母自动成为监护人C.祖父母想要成为其监护人，需要经小倩的父亲同意D.祖父母想要成为其监护人，需要经民政部门同意2.知名中医谭某与有夫之妇兰某有染，被兰某丈夫白某发现。
白某胁迫谭某为其宣传保健品，其主要成分为芝麻、红糖，一盒1000元，半年为一疗程。
后谭某向某富商推售，富商购买了两疗程使用无效，欲向法院起诉撤销该买卖合同。
富商可以以下列哪项理由主张买卖合同无效？（）A.重大误解B.白某胁迫C.白某欺诈D.谭某欺诈3.A男与B女在离婚协议中约定：为了婚生女小萍的健康成长，B女若再婚也不可再生育子女，该约定违反了哪一项原则？（）A.公序良俗原则B.平等原则C.自愿原则D.公平原则4.甲是X公司董事长和法定代表人。
2022年8月6日甲与田某约定：甲从田某处借款1000万元用于X公司与Y公司的合作项目。
2022年8月7日田某出示汇款凭证，并出示次日X公司收到汇款并汇款给Y 公司的凭证。
下列说法正确的是（）。
A.甲与田某的借款合同于2022年8月8日成立B.甲与田某之间不构成借款合同C.甲与田某的借款合同于2022年8月6日成立D.田某不能要求X公司与甲某共同清偿债务5.甲以乙的名义向丙借钱，让丙打到自己的银行卡。
丙想起自己有乙的银行卡号，直接打给乙了。
乙收到钱后对甲丙表示感谢，说自己正需要钱。
下列说法错误的是（）。
A.甲构成无权代理B.乙的行为属于对无权代理的追认C.相关款项应由乙负责偿还D.甲的行为构成无因管理6.甲和乙签订设备转让合同，约定甲将一台设备转给乙。
乙又与丙订立买卖合同，将该设备出卖给丙。
国家机关录用公务员考试行测真题及答案2
1．（2019 重庆法检）小说家时常在小说之外抛头露面，这若让主张作者应从作品背后消失的福楼拜来评判，简直是犯了大忌。
昆德拉曾对福楼拜深表赞同并加以发挥：小说家一旦自居为公众人物，就会使其作品陷入危险境地。
昆德拉的观点，与本雅明所说的“小说诞生于离群索居的个人”可谓殊途同归，均意在强调小说乃是独立观察和思考的产物。
不过，也不必过于忧虑。
小说家如能秉持真正的专业情怀，即便偶尔抛头露面，也不至于变成通常意义上的公众人物。
优秀的小说家自有其智慧与策略，与人群和聚光灯保持必要的距离，使自己得以独立观察和思考。
这段文字意在说明：A. 小说家是否具有专业情怀非常关键B. 优秀的小说家一般都是离群索居的C. 没必要过分担心小说家是否抛头露面D. 和公众保持距离是小说家的基本修养2．（2020 国家）“风筝不断线”是吴冠中上世纪80 年代前后提出的艺术理念，在中国当代美术史上产生了重要的影响。
看上去，这是关于“形式美”与“抽象美”之间内在联系的一种阐述，实则它强调的是：艺术创作再怎么创新，再怎么放飞自我，都不能远离现实生活。
在吴冠中看来，抽象绘画就像放风筝，风筝是作品，是“从生活中来的素材和感受，被作者用减法、除法或别的法”抽象成的某一种艺术形式，而观众是天空。
要让风筝飞上天空，艺术家手中“须有一线联系着作品与生活中的源头”。
只有“风筝不断线”，艺术才有根基，才能保持与观众的交流。
下列观点符合“风筝不断线”理念的是：A.艺术来源于生活而高于生活B.艺术的第一目的是再现现实C.艺术创作应当以生活为基础D.艺术离开民众就失去了土壤3．（2021 浙江）以玩家年龄为依据分别匹配适合的网游，丰富了未成年人网络游戏保护的方式和手段。
对于孩子来说，自己适合玩什么网游“被安排得明明白白”，玩得更安全。
对家长来说，可以更明晰地评估一款网游适不适合孩子，管得更放心。
“心情复杂”的，当属游戏企业。
适龄提示规定的使用要求和场景，都与游戏企业直接相关。
龙岩真题-2(3)
龙岩保代真题（二）选择题1、保险营销员从事保险营销活动时，诱导投保人终止放弃有效的保险合同，损害投保人合法利益的，根据保险营销员管理规定，营销员将受到的处罚是（）A保险行业协会给予警告，并处1万元以下罚款B中国保监会给予警告，并处1万元以下罚款C所属保险公司给予警告，并处1万元以下罚款D消费者协会给予警告，并处1万元以下罚款2、李某以45万元的房屋向银行抵押贷款30万元，贷款合同为10年，每月偿还款额为3500元，银行就该抵押房屋向保险公司购买了保险，在抵押保险15个月后，房屋招受火灾全部损失，保险公司支付给李某的赔款不考虑折旧，应该是（）A、45万元B、30万元C、24.75万元D、5.25万元3、在商业保险的全残定义中，那种导致被保险人不能从事任何职业的完全残疾称为（）A推定全残 B绝对全残 C列举式全残 D原职业全残4、根据保险利益原则，抵押人可以为抵押物投保，若债务人提前履行债务时，将引起保险合同变更，该变更属于（）A保险合同主体的变更 B保险合同内容的变更C保险合同客体的变更 D保险合同形式的变更5、在保险活动中，被保险人一旦违反保证义务，保险人的正确处理方式是（）A全部承担赔偿或给付保险金的责任B部分承担赔偿或给付保险金的责任C不承担赔偿或给付保险金的责任，并不退还保险费D不承担赔偿或给付保险金的责任，但可以退还保险费6、展业证遗失的，根据营销员管理规定，将通常采取的处理方式是（）A更换 B重考 C补发 D免检7、由于保险标的数量价值的增减所引起的保险金额增减，为此保险合同当事人经协商变更保险合同，这一变更属于（）A保险合同主体的变更 B保险合同内容的变更C保险合同客体的变更 D保险合同关系人的变更8、在海上保险实务中，投保人或被保险人保证保险船舶必须按预定的或习惯的航线航行，这一保证属于（）A确认保证 B承诺保证 C明示保证 D默示保证9、在投资联结保险中，如果联结保险的死亡保险金额是按照保险金额和投资帐户价值之和确定的，则死亡保险金额的变化规律是（）A随投资帐户价值波动而不断变化,且净风险保额不断变化B随投资帐户价值波动而不断变化,且净风险保额保持不变C不因投资帐户价值波动而变化,且净风险保额不变D不因投资帐户价值波动而变化,但净风险保额不断变化10、在我国企业保险中，固定资产保险价值的确定方法是（）A按照帐面原值确定 B按照帐面原值加成确定C按照出险时的重置价值确定 D按照评估后的市价确定11、据保险代理机构管理规定，保险代理从业人员取得的资格证书具有一定的时效规定，具体要求是（）A有效期为2年，自颁发之日起计算 B有效期为2年，自从业之日起计算12、某被保险人投保100万元的财产保险，在保险期间内，由于第三者的责任导致被保险人的财产损失50万元，被保险人从第三者那里获得赔款40万元，但是被保险人又向保险人要求赔付50万元，对此，保险人的处理方式是（）A不予赔付 B赔10万元 C赔50万元 D赔40万元13、保险人与现有客户及潜在客户接触的阶段，通过畅通有效的服务渠道为客户提供产品信息、评制保证、合同预估履行、客户保全、纠纷处理等相应的服务以及给予客户的特殊需求和对客户的特别关注而提供附加服务的保险行为被称为（）A保险客户服务 B保险销售服务 C保险纠纷处理 D保险售后服务14、人身意外伤害保险不承保被保险人在犯罪活动中受到的意外伤害的原因之一是（）A犯罪活动具有社会危害性且违反社会公共利益B犯罪活动具有社会危害性但不违反社会公共利益C犯罪活动具有个体危害性且违反社会公共利益D犯罪活动具有个体危害性但不违反社会公共利益15、下列所列的意外伤害中，属于特约保意外伤害的是（）A自杀遭受的意外伤害 B吸毒遭受的意外伤害C醉酒遭受的意外伤害 D跳伞遭受的意外伤害16、某公司按照豁加运费投保了国内货物运输保险，保险金额为110万元，在保险期间内发生保险事故造成货物损失40万元，支付施救费80万元，保险公司应该支付的赔偿金额是（）A 40万元B 80万元C 110万元D 120万元17、按照保险标的分类，保险合同一般可分为（）A责任保险合同和信用保险合同 B人寿保险合同和健康保险合同C财产损失保险合同和身意外伤害保险合同 D财产保险合同和人身保险合同18、资格证书持有人以欺骗、贿赂等不正当手段取得资格证书的，根据保险营销员管理规定，应当受到的处罚是（）A、中国保监会依法撤消并收回其资格证书，给予纪律处分B、中国保监会依法撤消并收回其资格证书，给予罚款C、中国保监会依法撤消并收回其资格证书，给予警告，该证书持有人1年内不得向中国保监会申请资格证书D、中国保监会依法撤消并收回其资格证书，给予警告，该证书持有人3年内不得向中国保监会申请资格证书19、按照机动车交通事故责任强制保险条例规定，机动车交通事故责任强制保险实行统一的（）A保险条款和基础保险费率 B保险条款和附加保险费率C保险价格和基础保险金额 D保险价格和附加保险金额20、在产品质量保证保险中，对于因产品质量问题导致用户财产损失或人身伤亡，依法应付的经济赔偿责任，按照保险合同规定，保险人通常（）A不承担赔偿责任 B承担赔偿责任C承担赔偿责任，但要向购买者追偿 D承担比例赔偿责任，且要向销售商追偿21、保险代理从业人员职业道德的核心是（）A诚实信用 B守法遵规 C客户至上 D勤勉尽责22、根据保险营销员管理规定，中国保监会不予颁发资格证书人员的情形之一是（）A因欺诈等不诚信行为受行政处罚未逾3年的B因欺诈等不诚信行为受行政处罚逾3年未逾4年的C因欺诈等不诚信行为受行政处罚逾4年未逾5年的23、健康保险的保险标的是（）A人的身体 B人的寿命 C人的健康 D保险金额24、人身保险以外的其他保险的被保险人自其知道或应当知道保险事故发生之日起一定时间不行使向保险人请求赔偿的权利，该投保人或被保险人的索赔权利即因自动放弃而失效，一般这一时间限制是（）A 30天内B 6个月内C 1年内D 2年内25、对于效力中止的人寿保险合同，投保人可以申请复效，但如果中止期限界满，投保人未能就复效问题与保险人达成一致意见，并不交保险费的保险人可以采取的措施是（）A解除保险合同 B提成保险合同 C变更保险合同 D转让保险合同26、勤勉尽责的职业道德要求保险代理从业人员应忠诚服务于（）A所属的代理机构 B所代理的保险公司C当地的保险监管机构 D当地的保险行业协会27、如果风险事故的发生与损失之间的因果关系由于另外新的独立的原因揭露而中断，而新的独立原因不是被保风险，则保险人对保险损失的正确处理方式是（）A不予赔偿 B部分赔偿 C予以赔偿 D比例赔偿28、根据保险营销员管理规定，保险营销员从事保险活动应当出示（）A委托协议 B资格证书 C 职业证书 D展业证29、计算实际责任准备金必须对承保费进行修正，修正承保费的目的是（）A、使第一年的承保费大于均衡承保费B、使第一年的承保费小于均衡承保费C、使第一年的毛保费大于均衡承保费D、使第一年的毛保费小于均衡承保费30、我国反不正当竞争法的立法目的是（）A、制止不正当竞争行为，保护经营者和消费者的合法权益B、制止不正当竞争行为，保护经营者的合法权益C、制止不正当竞争行为，保护消费者的合法权益D、制止不正当竞争行为，保证国家利益的实现31、在人身意外伤害保险中，如果意外伤害构成了保险责任，且意外伤害导致被保险人原有的疾病发作，进而加重后果，造成被保险人死亡或残疾，则表明意外伤害与被保险人死亡、残疾的因果关系是（）A、意外伤害是死亡或残疾的主因B、意外伤害是死亡或残疾的次因C、意外伤害是死亡或残疾的副因D、意外伤害是死亡或残疾的诱因32、根据我国消费者权益保护法的规定，有权依照法律法规的规定，惩处经营者在提供商品和服务中侵害消费者合法权益的违法犯罪行为的主体可以是（）A、工商行政管理部门B、消费者协会C、经营者同业协会D、合法权益被侵害的消费者33、在人身意外伤害保险经营实务中，保险人对于一年期人身意外伤害保险的被保险人进行风险程度评价的依据是（）A被保险人的住所 B被保险人的体质 C被保险人的病史 D被保险人的职业34、在责任保险的经营实践中，责任保险的免赔额通常仅适用于（）A对人身伤害的赔偿B对财产损失的赔偿C对每次事故的财产损失和人身伤害的赔偿35、在我国运输工具保险中，常有的保险有（）A航天保险 B机动车辆保险 C货车运输保险 D自行车保险36、在医疗保险中，保险人对于以某些专门的大病为承保对象的保险可以不规定赔偿限额，但保险人对这类合同采取的其他风险控制措施是（）A规定较高的保费额和较高的支付比例 B规定较高的等待期和较高的支付比例C规定较高的免赔额和较高的支付比例 D规定较高的免责期和较高的支付比例37、与商业保险相比较，民间救济的主体是（）A保险公司 B政府 C投保人 D个人或单位38、风险的基本特征之一是不确定性，具体表现为（）A、风险是否发生、发生时间、产生结果具有不确定性B、风险是否发生具有确定性，而发生时间、产生结果具有不确定性C、风险的产生结果具有确定性，而风险是否发生和发生时间具有不确定性D、风险发生的时间具有确定性，而风险是否发生以及产生结果具有不确定性39、在万能保险中，保单持有人可以根据自己的需要降低保额，在一定条件下也可以提高保额，但提高保额的前提条件是（）A、被保险人具有可保性B、被保险人具备灵活性C、被保险人具备约束性D、被保险人具备年轻性40、根据保险代理机构管理规定，保险代理机构在经营过程中，对于保险费收入的管理应该采取的措施是（）A、保险代理机构将代收保险费记入其业务收入帐户，专款专用，不得挪用B、保险代理机构将代收保险费记入代收保险费帐户，不得挪用C、保险代理机构将代收保险费记入保险监督管部门的专门帐户，收支两条线D、保险公司收取保险费，并记入保险公司专门帐户，保险代理机构不设立独立帐户41、张某将新购置的汽车投保，投保了机动车辆损失险，在保险期间内，在一次保险事故中，倒车镜被撞坏，但是没有其他的损失，张某没有及时修理，继续使用汽车，不久，在一次倒车时，撞到自家车库的墙角，造成车库墙和汽车尾部损失，那么，保险人应该赔偿（）A、倒车镜的损失B、倒车镜、汽车尾部的损失C、倒车镜、车库墙的损失D、倒车镜、车库墙和汽车尾部的损失42、保险事故发生后，投保人、被保险人或受益人向保险人提出索赔时，应及时出具保险单、批单、检验报告、损失证明材料等，投保人履行的该义务是（）A、如实告之义务B、提供单证义务C、协助追偿义务D、及时通知义务43、某定期死亡保险的被保险人死亡时，保险人发现其投保年龄小于实际年龄，假定该被保险人的死亡原因属于保险责任，则保险人的正确处理方法是（）A、增加保险金给付额B、减少保险金给付额C、退还多收保险费D、收取少交保险费44、在人寿保险定价的各种假设中，影响定价假设的公司特点因素包括（）A、投资收益率B、股票市场状况C、人口及其借口变化D、公司短期及长期目标的重点45、按照保险利益原则，债权人对债务人的信用具有保险利益，对此，债权人以债务人的信用为标的，可以投保的险种主要是（）A、信用保险B、责任保险C、保证保险D、个人保险46、健康保险中都规定有免赔额条款，其中全年免赔额扣除的对象是（）A、每月赔款总计B、每年赔款总计C、每季度赔款总计D、每半年赔款总计47、依照我国《民通法则》的规定，公民或者法人设立变更、终止民事权利和民事义务的合法行为被称为（）A、民事合同行为B、经济合同行为C、民事法律行为D、刑事法律行为48、在我国保险代理机构的种类包括（）A、专业保险代理机构和保险兼业代理机构B、专业保险代理机构和个人保险代理机构C、综合保险代理机构和专业保险代理机构D、综合保险代理机构和个人保险代理机构49、根据保险代理机构管理规定，保险代理机构与被代理保险公司的代理关系终止之后，对于被代理的保险公司提供的各种单证、材料及未交付的代收保险费的处理方法是（）A保险代理机构自保险代理关系终止之日起即刻将被代理保险公司提供的各种单证、材料及未交付的代收保险费交付被代理保险公司B保险代理机构自保险代理关系终止之日起即刻将被代理保险公司提供的各种单证、材料交付被代理保险公司，未交付的代收保险费退还给保险人C保险代理机构自保险代理关系终止之日起30日内将被代理保险公司提供的各种单证、材料交付被代理保险公司，未交付的代收保险费退还给投保人D保险代理机构自保险代理关系终止之日起30日内将被代理保险公司提供的各种单证、材料及未交付的代收保险费交付被代理保险公司50、有利于增进彼此了解，强化双方互相信任，圆满解决纠纷，并继续执行合同的正确处理方式是（）A、协商B、和解C、诉讼D、仲裁51、在健康保险中，其保险标的为（）A、被保险人的身体B、被保险人的生命C、被保险人的寿命D、被保险人的健康52、在风险管理的具体目标中，通过风险管理，在损失出现后，及时采取措施，使受损企业的生产得以迅速恢复，这一目标是指（）A、损失前目标 B损失后目标 C、财务目标 D、技术目标53、根据《民通法则》的规定，身体受到伤害要求赔偿的诉讼时效期限为（）A、1年B、2年C、4年D、20年54、根据我国家庭财产的综合保险规定，对于房屋及室内附属设备采用的赔偿方式是（）A比例赔偿方式 B限额赔偿方式 C定额赔偿方式 D第一危险赔偿方式55、保险公司承保过程的核心环节是（）A、核保B、勘察C、理算D、复核56、不属于我国开办的生长期农作物保险的险种有（）A甘蔗种植保险 B烟叶种植保险 C果树产量保险 D棉花种植保险57、在保险合同中，保险人承担赔偿或者给付保险金责任的最高限额叫（）A、保险价值B、实际损失C、赔偿限额D、保险金额58、在寿险公司业务的操作环节中，发生保险事故后，保险人接受客户的报案和索赔申请的过程被称为（）A、报案B、索赔C、理赔D、接案59、优质客户服务的测定标准是（）A、服务别人印象如何深刻B、服务的个性化程度C、服务满足客户期望的程度D、服务的新颖化程度60、保险资金融通需要满足的前提条件是（）A、保证资金或者最大收益B、保证保险的赔偿或给付C、保证资金的最大安全D、保证资本市场的繁荣发展61、既能解决被保险人经济困难，又能满足人们投资需求的人身保险属于（）A、具有投资功能的人身保险产品B、具有储备功能的人身保险产品C、具有分配功能的人身保险产品D、具有调节功能的人身保险产品62、依据我国反不正当竞争法，如果经营者在帐外暗中给予单位或者个人回扣，这种行为属于（）A、受贿B、诱骗C、欺诈D、行贿63、从市场角度看，保险代理行为属于（）A、保险市场的公证行为B、保险市场的中介行为C、保险市场的规范行为D、保险市场的第三方行为64、按照保险合同的通常规定，由于正常维修、保养引起的费用及间接损失，保险人对此不承担责任，这种责任免除行为属于（）A、损失原因免除B、费用免除C、损失免除D、维修免除65、根据保险营销员管理规定，保险营销员首次从事保险营销活动前，应当接受的岗前培训时间为（）A、累计不少于18小时B、累计不少于36小时C、累计不少于60小时D、累计不少于80小时66、在长期护理保险中，影响其年交保险费的主要因素包括（）A、投保年龄、等待期限和保险金额B、投保年龄、共付比例和保险责任C、投保年龄、给付方式和保险利益D、投保年龄、给付限额和保险条款67、足额保险合同中，保险人支付保险赔款后，在取得财产标的全部所有权的条件下，保险人在处理标的物时所获得的利益如果超过所支付的赔偿金额，对超过部分的正确处理方式是（）A、归保险人B、归被保险人C、归第三者D、由保险双方比例分享68、根据保险营销员管理规定，保险营销员销售分红保险、投资连结保险、万能保险等保险新型产品的，应当明确告知客户此类产品的费用扣除情况，并提示（）A、投保此类产品的投机风险B、购买此类产品的损失风险C、购买此类产品的保障风险D、购买此类产品的投资风险69、从一定意义上说，人寿保险单是一种有价值的单证，也就是（）A、投保人拥有保险单现金价值的权利凭证B、保险人拥有保险单现金价值的权利凭证C、受益人拥有保险单现金价值的权利凭证D、被保险人拥有保险单现金价值的权利凭证70、根据我国消费者权益保护法的规定，销售商既不提供商品的性能、产地、有效期限等内容的真实情况，即该行为所侵害的消费者权利属于（）A、自主选择的权利B、公平交易的权利C、人身和财产不受伤害的权利D、知情权71、根据保险营销员管理规定，保险营销员从事保险经营活动时，不得有的行为包括（）A、向客户明确说明保险合同中犹豫期B、向客户明确说明保险合同中责任免除C、提醒客户购买分红保险中的投资风险D、对不同保险产品内容做不公平或不完全比较72、个体工商户甲与其妻二人共同经营一个夫妻店，即承担债务的基础是（）A甲的个人财产B甲的家庭财产C甲父母的财产D甲朋友的财产73、在自然保费计算过程中，如果假设死亡支付发生在期末，则计算公式为（）A 、某年龄自然保费*（1*利率）=赔款*此年龄死亡率B 、某年龄自然保费*（1*利率）=保款*此年龄死亡率C、某年龄自然保费*（1*利率）=赔款*此年龄生存率D、某年龄自然保费*（1*利率）=保款*此年龄生存率74、在保险合同以外的其他书面形式中，最重要的书面形式是（）A、保险协议书B、电报C、电传D、小保单75、所有从业人员在职业活动中，应当遵循的行为准则被称为（）A、职业道德B、行为规范C、职业准则D、职业规范76、在我国保险代理机构及其分支机构中，从事销售保险产品或者进行相关损失查勘、理赔工作的人员被称为（）A、保险营销员B、保险代理工作人员C、保险销售人员D、保险代理业务人员77、就无效合同的类型而言，若保险人对保险标的不具有保险利益和签定保险合同，这样的保险合同属于（）A、全部无效合同B、部分无效合同C、条件无效合同D、法定无效合同78、不同公司之间的经验死亡率存在一定的差别，同一公司不同险种的死亡率经验也有所不同，因此不同业务需要采用不同的生命表，在我国养老保障类的保险业务使用的生命表是（）A年金用生命表B寿险用生命表C人口政策用生命表D养老保险用生命表79、一般来说，保险销售人员在为客户设计保险方安时，应遵循的首要原则是（）A、高损失频率优先原则B、高额损失优先原则C、低损失频率优先有则D、低额损失优先原则80、在投资连结保险中，其基本保险责任包括（）A、死亡给付、残疾给付和生存保险金领取B、投资收益、残疾给付和生存保险金领取C、红利分配、残疾给付和生存保险金领取D、费用返还、残疾给付和生存保险金领取判断题81、根据我国保险法的规定，保险事故发生后，依照保险合同请求保险人赔偿或给付保险金时，投保人、被保险人或受益人只需向保险人提供保险单即可。
公共英语等级考试（PETS）二级真题2
第⼆节完形填空阅读下⾯短⽂，从短⽂后所给各题的四个选项(［A］、［B］、［C］和［D］)中选出能填⼊相应空⽩处的选项，并在答题卡1上将该项涂⿊。
I usually don’t take the subway(地铁) to get to my office, but it’s a good thing I did last Tuesday. I 36 a man sitting opposite me who 37 to be extremely nervous. He was 38 wide eyed at one of the advertisements(⼴告) in the car. Then his hands started to 39. I took my medical bag and 40 to him.“Well, what 41 seems to be wrong with you?” I asked.He pointed at an advertisement 42 the good qualities of a 43 kind of shirt. It 44:“It will not wilt, shrink, crease, or wrinkle.”“Well, 45 about it?”“I’m going 46,” he said. “I can read it to myself, but I can’t says it out 47.”“My dear man,” I comforted him, “you can say it. Of course you can. You’re 48 a little nervous. This is just a nervous attack. You must not 49. You must try and say it. Now say it.”“It...it will not wilt, crink, wack, or shrinkle,” he said, and with a groan(呻吟) he 50 his face with his hands.“Now come. 51 me,” I told him, “and learn how perfectly simple the whole 52 is.” I continued in a firm voice:“It will not wink, shink, wack, or cinkle.” Oh, my！ I 53 several times, each was wrong in a different way.The man 54, and appeared completely recovered. I was 55. The man was cured. Of course, I had been putting on an act.36.［A］cured［B］met ［C］taught ［D］noticed37.［A］turned ［B］appeared［C］pretended ［D］meant38.［A］admiring［B］screaming ［C］pointing ［D］staring39.［A］move ［B］shake ［C］touch ［D］wave40.［A］came back ［B］went on ［C］rushed over ［D］looked over41.［A］generally ［B］exactly ［C］usually ［D］naturally42.［A］telling about ［B］showing off ［C］calling for［D］dealing with43.［A］common ［B］regular ［C］famous ［D］certain44.［A］admitted ［B］said ［C］proved ［D］called45.［A］what ［B］how ［C］talk ［D］think46.［A］crazy ［B］ahead ［C］angry ［D］back47.［A］loud ［B］alone ［C］freely ［D］completely48.［A］truly ［B］really ［C］simply ［D］particularly49.［A］stop ［B］give in ［C］hurry up ［D］look50.［A］covered ［B］turned ［C］hid ［D］touched51.［A］Talk to ［B］Allow ［C］Listen to ［D］Show52.［A］advertisement ［B］problem ［C］situation ［D］thing53.［A］tried ［B］spelled ［C］spoke ［D］explained54.［A］was anxious ［B］was nervous ［C］laughed ［D］shouted55.［A］interested ［B］delighted ［C］worried ［D］astonished第三部分阅读理解阅读下列短⽂，从每题所给的四个选项(［A］、［B］、［C］和［D］)中选出选项，并在答题卡1上将该项涂⿊。
考研英译汉英语二真题2023
考研英译汉英语二真题2023考研英译汉英语二真题2023单词是英语学习的基础，无论你是想提升阅读、翻译、还是作文，都要先攻克词汇量这个难关，词汇量是衡量我们语言力量的一个重要指标!下文是我为你细心编辑整理的考研英译汉英语二真题，期望对你有所帮忙，更多内容，请点击相关栏目查看，感谢!考研英译汉英语二真题146. Directions:Translate the following text from English into Chinese. Write your translation on ANSWER SHEET 2. (15 points)Think about driving a route thats very familiar. It could be your commute to work, a trip into town or the way home. Whichever it is, you know every twist and turn like the back of your hand. On these sorts of trips its easy tolose concentration on the driving and pay little attention to the passing scenery. The consequence is that you perceive that the trip has taken less time than it actually has.This is the well-travelled road effect: people tend to underestimate the time it takes to travel a familiar route.The effect is caused by the way we allocate our attention. When we travel down a well-known route, because we dont have to concentrate much, time seems to flow more quickly. Andafterwards, when we come to think back on it, we cant remember the journey well because we didnt pay much attention to it. So we assume it wasshorter.参考译文：想想看在一条特别熟识的路上驾驶的感觉，这可能发生在上班，进城或回家的路上。
最新真题(2)含答案
College English Test （2）Part I Listening Comprehension (20 points)1. A) In the city. B) In an old apartment. C) At the university. D) On University Avenue.2. A) 4:00pm. B) 5:00pm. C) 4:30pm. D) 5:30pm.3. A) Three years old. B) Four years old. C) Five years old. D) Six years old.4. A) Eat at home. B) Fix a nice supper. C) Stay at home. D) Eat at a restaurant.5. A) Waitress and customer.B) Shop assistant and customer. C) Book seller and customer. D)Research assistant and professor.6. A) Read a paragraph in the textbook. B) See a movie and write a comment.C) Read the textbook and see a movie. D) Do the assignment in the textbook.7. A) He put it away. B) He left it on the desk. C) He threw it away. D) He didn’t do anything about it.8. A) At the bank. B) On the way home. C) At the office. D) On the way to the bank.9. A) It was boring. B) It was interesting. C) It was exciting. D) It was wonderful.10. A)A telephone bill. B) A letter from her family.C) A telephone call.D) A present from her family.Section BDirections: In this section, you will hear 3 short passages or conversations. At the end of each passage or conversation, you will hear some questions. The passage or the conversation will be read twice. Afteryou hear a question, you must choose the best answer from the four choices marked A), B), C) and D).Then mark the corresponding letter on the Answer Sheet with a single line through the center. Questions 11-13 are based on the following passage.11. A) He was a clever boy. B) He liked to play tricks on others.C) He was a naughty boy. D) He went on well with his classmates.12. A) He broke the school rule. B) He didn’t go to school the day before.C) His hands were too dirty. D) He did some damage to the teacher’s desk.13. A) He didn’t get any punishment. B) He was punished by the teacher.C) He was forced to leave school, D) He was asked to wash his hands,Questions 14-16 are based on the following passage.14. A) Florida. B) Indiana. C) New York. D) California.15. A) Hot. B) Dry. C) Cool. D) Cold.16. A) Every hour. B) Every forty minutes. C) Every half hour. D) Every twenty minutes. Questions 17 to 20 are based on the following conversation.17. A) It would be a terrible experience. B) They are usually too busy to go there.C) They often have to wait for a long time. D)The charges are too high for them to afford.18. A) White. B) Yellow. C) Red. D) Green.19. A) Music. B) Paintings. C) Stories. D) Smile.20. A) How the dentists help patients relax. B) How to improve dentists’ moral standard.C) How the dentist’s offices should be painted. D) Seeing a dentist could be a less painful experience.Part II Vocabulary (10 points)Directions: There are 20 incomplete sentences in this part. For each sentence there are four choices marked A),B), C) and D). Choose the ONE answer that best completes the sentence. Then mark thecorresponding letter on the Answer Sheet with a single line through the center.21. It is not _______ to hire poorly trained workers.A) sufficient B) efficient C) deficient D) proficient22. This two tables have just been _______ by telephone.A) reserved B) resolved C) relieved D) rewarded23. I cannot afford the time, _______ the expenses.A) let on B) leave out C) let alone D) leave alone24. I still feel delighted when I _______ these memories. A) recall B) repeat C) review D) rejoice25. There is an alternation of black and white _______ in that cloth.A) stripe B) strip C) splice D) spice26. The river _______ its name from an Indian chief.A) defines B) derives C) delivers D) displays27. I don’t want to _______ the family business. A) take in B) take off C) take on D) take over28. To be _______ with you, future business between us will to a great degree depend on how you are going tocarry out this contract.A) sincere B) frank C) modest D) truthful29. They _______ to be a media “watchdog” and get the media to focus more on “non-mainstream opinions”.A) challenge B) intend C) command D) enforce30. Do not _______ your appetite by eating sweets just before supper.A) spoil B) decline C) cease D) uncover31. We now travel round the world in a way _______ undreamt of.A) possibly B) primarily C) primitively D) previously32. When his parents looked at him, he pretended to be _______ in listening.A) interacted B) absorbed C) concentrated D) concerned33. Singaporeans consume _______ products such as milk, butter and yogurt for health.A) diet B) dairy C) daily D) diary34. I had a hard time _______ her that it was purely business.A) convincing B) convince C) to convince D) convinced35. This kind of flu _______ with extreme rapidity. A) spreads B) broadens C) expands D) stretches36. _______ sense tells us that most fuels can burn only when they come into contact with air.A) Usual B) Common C) Normal D) Ordinary37. In team competitions all team shall _______ at least four but not more than eight members.A) consist of B) make up in C) be consisted of D) be made up in38. He was hit by a bullet but luckily he was only _______ wounded.A) barely B) merely C) hardly D) slightly39. The film managed to _______ me from my personal troubles for a while.A) avoid B) loosen C) solve D) distract40. Nothing can ____ the loss of one’s health. A) keep up for B) look up for C) stand up for D) make up for Part III Structure (10 points)Directions: There are 20 incomplete sentences in this part. For each sentence there are four choices marked A),B), C) and D). Choose the ONE answer that best completes the sentence. Then mark thecorresponding letter on the Answer Sheet with a single line through the center.41. When we reached the train station, the train had not arrived yet; so we _______.A) needed not to hurry B) needn’t have hurried C) didn’t need to hurry D) had not needed to hurry42. “You missed a golden opportunity.”“Yes, I _______ that job when it was offered.”A) shall take B) shall have taken C) should take D) should have taken43. Many of the world’s great novels are reported _______ into films last year.A) to make B) to be making C) to have made D) to have been made44. If the work _______ by the end of the month is delayed, the construction company will be fined.A) to be completed B) will be completed C) being completed D) has been completed45. _______ has been mentioned before, nearly all materials expand with the increase of temperature.A) That B) It C) Which D) As46. If I _______ run out of ink, I would have finished writing the paper.A) didn’t B) haven’t C) hadn’t D) shouldn’t47. She wishes that we _______ her the candy yesterday because she’s on a diet.A) hadn’t sent B) not sent C) wouldn’t send D) didn’t send48. _______ we have finished the course, we shall start doing more revision work.A) Since that B) By now C) From now D) Now that49. _______ the smallest mistake, the successful launching of the spacecraft would have been impossible.A) If there was B) Had there been C) Were there to be D) If there would have been50. When people speak of solar energy, they only think of sun’s rays heating a home or _______ electricity fromthe sun. A) derive B) to derive C) deriving D) of deriving51. He was very lucky to escape _______ to prison. A) to send B) being sent C) sending D) having sent52. When his leg was examined, it was found _______. A) break B) broken C) broke D) breaking53. He was very angry when his car broken down, _______ it serviced only a week before.A) had B) to have C) having D) having had54. Factory inspectors recommended that new safety rules _______.A) introduced B) should introduce C) be introduced D) would be introduced55. The two parties _______ an agreement if they had been prepared to be more flexible.A) could have reached B) must have reached C) should have reached D) need have reached56. I thought he needed some fresh air. He _______ there reading all morning.A) has sat B) has been sitting C) had sat D) had been sitting57. Follow the introductions carefully _______ you won’t have any problems.A) if B) and C) or D) provided58. The new hospital, _______ the Queen has taken a great personal interest, will be officially opened in March.A) in which B) what C) for which D) where59. _______ you’ve asking me to do is out of the question. A) That B) All what C) What D) All which60. I must assure you that the story is true lest _______.A) you think it is strange B) you will think it is strangeC) do you think it is strange D) you would think it isstrangePart IV Reading Comprehension (30 points)Directions: There are 3 passages in this part. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A), B), C) and D). You should decide onthe best choice and mark the corresponding letter on the Answer Sheet with a single line through thecenter.Passage 1Questions 61 to 65 are based on the following passage:Marc, an intelligent and attractive boy, was 6 years old when his parents came to our clinic. His family consisted of his father (37 years), his mother (30 years), himself (6 years), and his sister, Jill (4 years). His parents were well educated. They were both rather rational people and also tried to raise their children in a rational and responsible way.It appeared that, from babyhood, Marc loved external stimulation, but found it hard to amuse himself. When he could not yet walk or crawl he easily became frustrated. He often wanted to achieve things that were outsidehis range. As Marc was his mother’s eldest child, she gave him, from birth on, oceanic amounts of attention. His mother was a competent but insecure woman. She felt increasingly inadequate as a mother because Marc was demanding and difficult to please, and received little support from her husband in the upbringing of the children. When Marc’s sister, Jill, was born, Marc continued demanding as much of his mother’s attention as he did before. However, it was no longer physically possible for her to give Marc what he wanted. The mother was very happy with her daughter; Jill happened to be a very easy child. For the first time she experienced that taking care of a child was not necessarily a hard job. Marc developed an extreme jealousy. He occasionally showed sadistic (施虐的) behaviors toward his sister, which made the mother afraid to leave the children without her supervision. The mother constantly tried to fulfill her children’s wishes, but primarily functioned as a peacekeeper. She developed angry and anxious feelings toward her son, because he increasingly spoiled the atmosphere at home with his demanding and envious behavior. This also made her feel guilty. The father felt out of place and concentrated on his work. On the weekends, he sometimes took one child out (while the mother went away with the other child) to prevent the many scenes and quarrels that occurred when the family was together.61. What is the main problem for Marc’s mother?A) Marc’s sister’s safety issue. B) Marc’s poor achievement at school.C) Marc’s father’s absence in child care. D) Marc’s demanding and envious behavior.62. When did Marc first show his problem?A) Before he could walk. B) After his sister was born.C) After he started school. D) When his parents came to our clinic.63. What can be said about Jill compared with Marc?A) She was more inadequate. B) She was as jealous as Marc.C) She was easier to get along. D) She was unhappier than Marc.64. Which of the following word better describes Marc’s mother when he misbehaves?A) Angry. B) Anxious. C) Envious. D) Insecure.65. Which of the following can be said about Marc’s father?A) He was a good scholar. B) He devoted more attention to his work.C) He was hard on the kids. D) He never involved himself in childcare.Passage 2Questions 66 to 70 are based on the following passage:The popular image of “rural Australia” is associated with agriculture and “life on the farm”. Television soap operas such as McLeod’s Daughters convey appealing, but not particularly accurate, images of rural life in this country. In spite of its sometimes glamorized image, farming is a dangerous occupation. Agriculture has a fatality (死亡) rate of 19.5 per 100,000 employees, compared to the national rate of only 5.5 deaths per 100,000 employees. In New South Wales alone, over 1,100 people are admitted to hospital each year as a result of farm injury and illness.The current rate of farm injury is of grave concern. Unintentional injuries are associated with tractors, motorcycles, animals (mostly horses), and tools and machinery, whereas the fatalities (among the adult population at least) tend to be associated with tractors and farm machinery. Tractors have been labeled “the most dangerous machine with which people work”—only 5 percent of the Australian population work with them, and yet they are associated with 40 percent of work injuries. The farming population has a distinct injury profile: the majority of victims are adult males who suffer from lacerations (撕裂), puncture wounds, crush injuries, sprains, and fractures.The fact that most victims of farm injury are adult males should not lead us to ignore children and women. Farms can be particularly hazardous environments for children. Not surprisingly, children of different ages suffer different types of harm. There are three main groupings of rural child accidents:●Babies and preschool children (Birth-5 years)—ingestion and drowning.●Primary school children (6-10 years)—falls and vehicles.●Secondary school children (11-15 years)—vehicles and machinery.This injury profile is reflective of developmental stages. Babies and toddlers tend to be curious, and fond of putting things in their mouths—the latter of which puts them at risk of poisoning from toxic substances commonly used on farms. Preschool children have a higher incidence of farm fatalities than do babies and toddlers, but they sustain more injuries—perhaps as a result of their eagerness to learn and explore. Secondary children may be more coordinated, but they may also become overconfident and take unnecessary risks.Many measures can reduce the risk of children being harmed on farms, including providing (and insisting on using of) helmets that meet current Australian Safety Standards, storing chemicals where they cannot be accessed by children, and ensuring that dams are properly fenced off. Injury is often a complex, and often costly, matter. Moreover, it could be difficult to “keep children away’—since the farm is both an industrial workplace and a home. In some respects, keeping children safe on farm is similar to keeping safe in a factory, or on a building site which is filled with potentially risky objects, substances, and situations.66. What is this passage mainly concerned with?A) Risk of injuries on the farm. B) Childcare in rural communities.C) TV soap operas on rural life. D) Working conditions in agriculture.67. The death rate of people working in farming is about _______ that of the national average.A) 3.5 times as much as B) 11% higher than C) 5.5 times as much as D) 20% higher than68. Which of the following groups suffer the highest rate of injuries in rural Australia?A) Toddlers. B) Adult females. C) Adult males. D) School children.69. Which of the following would best summarize the dangers that rural children of different ages are faced with?A) Poverty. B) Accidents. C) Illnesses. D) Curiosity.70. What wilt the passage most probably discuss next?A) Injuries of urban children. B) Health concerns of rural women.C) Reform of school education. D) Poor working conditions in factories.Passage 3Questions 71 to 75 are based on the following passage:“Family” is of course an elastic word. But when British people say that their society is based on family life, they are thinking of “family”in its narrow, peculiarly European sense of mother, father and children living together alone in their own house as an economic and social unit.Thus, every British marriage indicates the beginning of a new and independent family—hence the tremendous importance of marriage in British life. For both the man and the woman, marriage means leaving one’s parents and starting one’s own life. The man’s first duty will then be to his wife, and the wife’s to her husband. He will be entirely responsible for her financial support, and she for the running of the new home. Their children will be their common responsibility and theirs alone. Neither the wife’s parents nor the husband’s, nor their brothers or sisters, aunts or uncles, have any right to interfere with them--they are their own masters.Readers of Jane Austin’s Pride and Prejudice will know that in former times marriage among wealthy families were arranged by the girl’s parents, that is, it was the parents’ duty to find a suitable husband for their daughter, preferably a rich one, and by skillful encouragement—lead him to ask their permission to marry her. Until that time, the girl was protected and maintained in the parent’s home and the financial relief of getting rid of her could be seen in their giving her a sum of money called a dowry. It is very different today. Most girls of today get a job when they leave school and become financially independent before their marriage. This has two results.A girl chooses her own husband, and she gets no dowry.71. What does the author mean by “family is of course an elastic word”?A) Different nations have different families. B) Different times produce different families.C) Different families have different ways of life. D) Different definitions could be given to the word “family”.72. For an English family, the husband’s duty is _______.A) independent while the wife’s is dependent B) financial while the wife’s is running the homeC) supporting the family while the wife’s is financial D) defending the family while the wife’s is running thehome73. Everything is decided in family _______.A) by the couple B) with the help of their parentsC) by brothers and sisters D) with the help of aunts and uncles74. Which of the following is true concerning the book Pride and Prejudice?A) It is a handbook of marriage. B) It is the best book on marriage.C) It gives a quite some idea of English social life in the past.D) It provides a lot of information of former-time wealthy families.75. With regard to marriage in Britain, present-day girls differ from former-time girls in _______.A) social position B) choosing husbands C) the right family D) more parental supportPart V Translation from English into Chinese (15 points)Directions: In this part there is a passage with 5 underlined parts, numbered 76 to 80. After reading the passage carefully, you should translate the underlined parts into Chinese. Remember to write your translationon the Translation Sheet.Social change is more likely to occur in societies where there is a mixture of different kinds of people than in societies where people are similar in many ways. 76)The simple reason for this is that there are more different ways of looking at things present in the first kind of society. There are more ideas, more disagreements in interest, and more groups and organizations with different beliefs. In addition, there is usually a greater worldly interest and greater tolerance in mixed societies. 77) All these factors tend to promote social change by opening moreareas of life to decision. In a society where people are quite similar in many ways, there are fewer occasions for people to see the need or the opportunity for change because everything seems to be the same. And although conditions may not be satisfactory, they are at least customary and undisputed.78) Within a society, social change is also likely to occur more frequently and more readily in the materials aspects of culture than in the non-material, for example, technology rather than in values; in what has been learned later in life rather than what was learned early; in the less basic and less emotional aspects of society than in their opposites; in form rather in substance; and in elements that are acceptable to the culture rather than in strange elements.79) Furthermore, social change is easier if it is gradual. For example, it Collies more readily in human relations on a continuous scale rather than one with sharp dichotomies (二分法). 80) This is one reason why change has not come more quickly to Black Americans as compared to other American minorities, because of the sharp difference in appearance between them and their white counterparts.76. 一个简单的原因就是在第一种社会中，人们有更多不同的看问题方式。
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一、单选题1、在风险管理中，风险管理主体对风险发生的概率、损失程度，结合其他因素全面进行考虑，评估发生风险的可能性及其危害程度，并与公认的安全指标相比较，以衡量风险的程度，并决定是否需要采取相应的措施，这些行为属于的环节是（）。
A、风险评价B、风险估测C、风险识别D、风险分析2、根据风险理论，下列特征中属于风险特征的是（）。
A、不确定性和客观性B、确定性和主观性C、自然性和特殊性D、不确定性和商品性3、根据《民法通则》的规定，公民下落不明满两年，利害关系人可向人民法院申请（）。
A、失踪宣告B、死亡宣告C、逃亡宣告D、暂时失踪宣告4、在简易人寿保险中，保险人为了防止逆选择通常采取的限制措施是（）。
A、规定免责期或采取增加给付制度B、规定免责期或采取削减给付制度C、规定等待期或采取增加给付制度D、规定等待期或采取削减给付制度6、人身意外伤害保险所承保的“意外伤害”应当具备的条件包括（）等。
A、非本意的、内生的和突然的B、非本意的、外来的和可预见的C、本意的、非外来的和突然的D、非本意的、外来的和突然的7、在人身意外伤害保险中，如果被保险人在保险期限内遭受意外伤害，责任期限届满时治疗仍在继续，则保险人确定被保险人残疾程度的时点是（）。
A、保险期限结束时B、责任期限结束时C、责任期限开始时D、意外伤害发生时8、风险管理基本程序中，对企业、家庭或个人面临的和潜在的风险加以判断、归类和对风险性质进行鉴定的过程被称为（）。
A、风险估测B、风险识别C、风险评价D、选择风险管理技术9、某人投保人身意外伤害保险，在回家路上被汽车撞伤送往医院。
在其住院治疗期间因突发心肌梗塞而死亡。
那么，该被保险人死亡的近因是（）。
A、被汽车撞倒B、心肌梗塞C、被汽车撞倒和心肌梗塞D、被汽车撞倒导致的心肌梗塞10、从万能保险经营的流程上看，保险人确定死亡给付分摊额是考虑的主要因素是（）A、被保险人的年龄和保险金额B、被保险人的愿望和保险责任C、被保险人的职业和保险条款D、被保险人的嗜好和保险费率11、在机动车辆保险基本险中，保险赔款金额经保险合同双方确认后，按照规定，保险人赔付结案的时间限制是（）。
A、7天B、10天C、15天D、30天12、职业道德是从事一定职业的人们在其特定的工作或劳动中逐渐形成比较稳定的道德观念、行为规范和习俗，用以调节职业集团内部人们之间的关系以及职业集团与社会各方面的关系，这说明职业道德具有明显的（）。
A、时代性特点B、实践化特点C、具体化特点D、职业性特点13、某企业投保企业财产保险综合险，固定资产保险金额为100万元，在保险期内由于遭到洪水，固定资产全部损失，出险时固定资产的保险价值为70万元，保险人对该损失的赔款是（）。
A、0万元B、49万元C、70万元D、100万元14、在医疗保险中，保险人为被保险人提供的一种包括医疗费用、住院费用和手术费用等项目的保险被称为（）。
A、综合医疗保险B、费用保障保险C、普通医疗保险D、长期护理保险15、在长期人寿保险中，投保人把原保单改为展期保险单的过程中，保险期限由（）而定。
A、已交保险费的金额B、保险责任C、趸交保险费的金额D、现金价值16、强制性保险的保险关系产生于（）。
A、被保险人自行选择B、保险人与投保人之间的合同行为C、保险经纪人与保险人协商D、保险人和政府的法律效力17、“保险利益应为确定的利益”其含义是指（）。
A、被法律认可并受法律保护的利益B、与社会公共利益相一致的利益C、经济价值能够以货币衡量D、已经确定和可以确定的利益18、保险人行使代位求偿权时，若追偿到的款额大于其赔偿给被保险人的款额，对超过部分的正确处理方式是（）。
A、据为己有B、全部归还被保险人C、与被保险人平分D、上缴有关部门19、风险管理的各具体目标有不同的内容，其中，及时地向受灾企业提供经济补偿，保持企业经营的连续性属于（）、A、风险管理的损失前目标B、风险管理的损失后目标C、风险管理的财务目标D、风险管理的技术目标20、保险代理从业人员的执业活动中，应秉持勤勉的工作态度，努力避免执业活动中的失误，这所诠释的是职业道德原则中的（）。
A、客户至上原则B、诚实信用原则C、勤勉尽责原则D、专业胜任原则21、自愿保险与强制保险的划分标准是（）。
A、实施方式B、经营性质C、承保方式D、赔付方式22、根据我国消费者权益保护法的规定，经营者不允许消费者挑选商品或服务的销售行为属于侵害消费者的（）。
A、自主选择的权利B、公平交易的权利C、人身和财产安全不受伤害的权利D、知情权23、在保险合同以外的其他书面形式中，最重要的书面形式是（）。
A、保险协议书B、电报C、电传D、小保单24、就销售渠道而言，保险公司利用网络来进行销售的方法属于（）。
A、直接销售渠道B、间接销售渠道C、宽销售渠道D、窄销售渠道25、根据心理学研究，一个人在一两年以前即开始自杀计划，这一自杀意图能够持续2年期限并最终实施的可能性（）。
A、很大B、很小C、无法测定D、基本不变26、在投保人或被保险人违反告知的各种形式中，投保人或被保险人对已知或应知的与风险和标的有关的实质性重要事实虚假告知的行为叫做（）。
A、漏报B、误告C、隐瞒D、欺骗27、目前，我国保险代理人从业人员主要包括（）。
A、保险营销员和保险代理机构从业人员B、专业保险代理人和兼业保险代理人C、专职保险代理人和兼职保险代理人D、专业保险代理人和个人保险代理人28、依照《中华人民共和国民事诉讼法》的有关规定，因保险合同纠纷提起的诉讼，其管辖法院通常是被告所在地或（）。
A、投保人所在地B、被保险人所在地C、保险标的人民法院所在地D、保险公司所在地29、在分红保险满期给付时，有权获得保险金、未领取的累积红利和利息的人是（）。
A、受益人B、投保人C、被保险人D、保单持有人30、保险代理从业人员的代理权限均源于（）。
A、保监会的核准B、投保人的委托C、所属机构的授权D、行业协会的核准31、根据我国消费者权益保护法的规定，经营者和消费者有约定而且双方的约定不违背法律、法规的前提下，经营者向消费者提供商品或者服务时，应当按照（）。
A、《中华人民共和国产品质量法》履行义务B、有关约定履行义务C、有关法律履行义务D、行业规定履行义务222232、我国现行的保险代理人从业人员最基本的行为规范是（）。
A、《保险代理从业人员资格证书》B、《保险代理从业人员展业证书》C、《保险代理从业人员执业行为守则》D、《保险代理从业人员职业道德指引》33、当法律规定的解除情形出现时，合同当事人可以解除保险合同，这一合同解除形式属于（）。
A、法定解除B、约定解除C、协商解除D、裁决解除34、在万能保险中，结算利率的频率决定者是（）。
A、保险人B、投保人C、被保险人D、保险人和投保人35、某企业投保企业财产保险综合险，固定资产保险金额为70万元，在保险期内由于遭到泥石流，固定资产发生部分损失，损失金额为50万元，无残值，如果出险时固定资产保险价值为100万元，那么保险人对该损失的赔款时（）。
A、0万元B、35万元C、50万元D、70万元36、保险代理从业人员向客户推荐的保险产品应符合客户的需求，不强迫或诱骗客户购买保险产品，这所诠释的是职业道德原则中的（）。
A、守法遵规原则B、诚实信用原则C、勤勉尽责原则D、专业胜任原则37、在健康保险比例给付条款中，如果采用累进比例给付方式，则保险人承担医疗费用的比例和被保险人自负比例之间的关系是（）。
A、医疗费用支出增加，保险人承担的比例减小，被保险人自负比例增大B、医疗费用支出增加，保险人承担的比例减小，被保险人自负比例也减小C、医疗费用支出增加，保险人承担的比例增大，被保险人自负比例减小D、医疗费用支出增加，保险人承担的比例增大，被保险人自负比例也增大38、在人身保险中，一般不允许变更的合同主体是（）。
A、保险人B、被保险人C、受益人D、投保人39、某公众责任保险保单规定的每次事故赔偿限额100万元，累积责任限额是1000万元，免赔额为1万元。
如果一次公众责任事故导致受害人财产损失105万元，且依法全部由被保险人赔偿，则保险人承担的保险赔款金额是（）。
A、49万元B、50万元C、100万元D、104万元40、某人投保普通家庭财产保险，保险金额为10万元，其中房屋及其室内装潢的保险金额为5万元，在保险期限内发生保险事故，造成其房屋及其室内装潢部分损失2万元，室内财产发生部分损失，损失2万元，其中出险时房屋及其室内装潢的价值为4万元，室内财产价值10万元，那么，保险公司的赔偿金额是（）。
A、2万元B、3万元C、4万元D、5万元41、依据《民法通则》规定，对于无权代理的民事行为，如果被代理人知道而不否认，那么在造成第三人损失时，应当承担民事责任的是（）。
A、被代理人B、行为人C、第三人D、行为人和第三人42、勤勉尽责的职业道德要求保险代理从业人员应忠诚服务于（）。
A、所属的代理机构B、所代理的保险公司C、当地的保险监管机构D、当地的保险行业协会43、按照性质划分，企业财产保险属于（）。
A、定额保险B、定值保险C、不定值保险D、第一损失保险44、根据《民法通则》的规定，未成年人李某的父母已经死亡的，下面可以成为李某的监护人的是（）。
A、李某尚未年满16周岁的姐姐B、李某所在地的居委会C、李某患有严重精神病的叔叔D、人民法院45、由于农业生产在很大程度上受自然因素的影响，所以与其他财产保险相比。
农业保险具有的特征之一是（）。
A、地域性B、间断性C、单务性D、给付性46、在合同订立程序中，一方当事人就订立合同的主要条款，向另一方提出订约的建议的明确意思表示，被称为（）。
A、承诺B、要约C、订立D、承保47、根据保险理论，可保风险的条件之一是（）。
A、风险应当是投机性风险B、风险必须具有现实的可测性C、风险应当使少量标的均有遭受损失的可能性D、风险应当有导致重大损失的确定性48、根据我国消费者权益保护法的规定，经营者对商品或者服务作引人误解的虚假宣传可根据情节处罚并处警告、没收违法所得等处罚措施，而情节严重的，工商行政管理部门将对其采取的处罚措施是（）。
A、拘役B、依法追究刑事责任C、责令停业整顿、吊销营业执照D、立案调查49、经过一定时期（比如两年）之后的终身寿险合同，如果投保人要求退保，保险人可以退还一定数额的现金，这部分现金通常称为（）。
A、退保费B、手续费C、退保金D、贷款额50、万能保险具有透明度的一个重要因素是其保单的现金价值与净风险保额是分别计算的，即（）。
A、具有非相关性B、具有相关性C、具有非约束性D、具有约束性51、根据《民法通则》的规定，对因产品的质量不合格造成的损害承担民事责任的是（）。
A、购买者B、产品的设计者C、产品的制造者、销售者D、产品的制造者、销售者和购买者52、在执业活动中，要求保险代理从业人员依靠专业技能和服务质量展开竞争，这诠释的是职业道德原则中的（）。