0 1. The Decision of the Central Committee of the Communist Party of China on Several Issues Concerning the Improvement of the Socialist Market Economic System adopted by the Third Plenary Session of the 16th CPC Central Committee pointed out: "To enhance the credit awareness of the whole society, the government, enterprises, institutions and individuals should take () as the basic code of conduct".
A, civic morality B, honesty and trustworthiness C, laws and regulations D, courtesy
02. A famous politician in the Spring and Autumn Period and the founder of the Pre-Qin Legalist School () used "sincerity" and "faith" together.
A, Guan Zhong B, Li Si C, Shang Yan D, Confucius
03. The category of honesty consists of "sincerity" and "faithfulness". Sincerity means honesty, sincerity, sincerity and no fraud; Honesty means keeping promise, trust and credit, treating people sincerely and winning people's trust with credit.
A, Concept B, Concept C, Viewpoint D, Argument
04. The Outline for the Implementation of Civic Morality Construction regards honesty and trustworthiness as the important content of socialist construction, which shows the important position and role of honesty in the cultivation of individual moral quality of citizens and the moral construction of the whole society.
A, social credit b, civic morality c, spiritual civilization d, legal system
05. With the strong support and guidance of the CIRC, insurance institute of china and insurance institute of china organized industry experts and scholars to jointly compile ().
A, insurance integrity reader B, insurance knowledge reader C, insurance professional ethics education reader D, insurance laws and regulations compilation
06. The title of the fourth chapter of the Insurance Integrity Reader is ().
A. Insurance products and services B. Management and integrity of insurance companies
C, underwriting integrity D, contract integrity
07. "If the ancient desire is obviously superior to the world, govern the country first; If you want to govern your country, you should first get your family together; If you want to reunite with your family, you should first repair your body; If you want to cultivate yourself, you should be upright first; If you want to be correct, be sincere first; Be sincere, let him know first; Know in the matter. " From ().
A, The Analects of Confucius B, Chunqiu C, Daxue D, Zuo Zhuan
08. "The parties to insurance activities shall exercise their rights and perform their obligations in accordance with the principle of good faith." From the insurance law ().
A. Articles 2 B, 3 C, 4 D and 5
09. The so-called win-win situation refers to the conditional transfer of benefits to benefit many parties. () is the best way to reduce the cost of internal friction and maximize the benefits.
A, mutual benefit B, cooperation C, win-win D, management
10. The formation of an honest environment depends on everyone's attitude towards honesty and what they do ().
A, effort B, action C, performance D, things
1 1. Shaping an honest and harmonious society is the voice of the people and the establishment and development of the socialist market economic order ().
A, need B, way C, objective requirement D, foundation
12. Insurance integrity is mainly reflected in three levels: the first is the technical level, the second is the system level, and the third is the () level, which together constitute the insurance integrity system.
A, behavior B, value psychology C, service D, care
13. The "particularity" of insurance integrity-() principle.
A, the greatest integrity B, customer first
C, keep promises D, mutual assistance and mutual benefit
14. The principle of utmost good faith originated from the marine insurance transaction in ().
A,17th century b,18th century.
19th century, 20th century.
15. The implementation of the principle of utmost good faith by insurance companies mainly includes (), waiver and estelle.
A, truthfully inform B, perform C, pay D, and contract
16. As an influential industry, the insurance industry mainly relies on the following three ways to participate in social credit management: (1) The first is credit management within the industry. (2) Secondly, the implementation of (1) has promoted the construction of social integrity and morality. (3) Collecting, collating and providing credit information.
A, insurance clauses B, the principle of good faith
C, insurance contract D, management system
17. When the lack of integrity in the insurance industry escalates into a crisis of integrity, it will directly affect the security of the whole society, (), the personal future of insurance practitioners and the vital interests of the insured.
A, the rise and fall of the industry B, the brand of the enterprise
C. Steady operation D. Premium income
18. A sound and efficient system is the guarantee of good faith.
A, premise b, foundation c, condition d, basic
19. On June 6th, 2003, Wu Dingfu, Chairman of the China Insurance Regulatory Commission, delivered a keynote speech on "Strengthening Credit Construction to Promote the Healthy Development of Insurance Industry" at the "World Economic Development and Enterprise Credit Forum" held in (), expounding the special significance, overall objectives and basic ideas of credit construction in insurance industry.
A, Shanghai B, Guangzhou C, Zhuhai D, Beijing
20. Obstacles to the credit construction of the insurance industry: (1) institutional obstacles; (2) Obstacles; (3) Obstacles of social credit system.
A, laws and regulations b, customer service
C, solvency D, management ability
2 1. The construction of insurance credit culture should be based on insurance () credit construction, focusing on the credit construction of insurance institutions and relying on the credit construction of the insured.
A, contract b, product c, employee d, operation
22. The development of Shanxi merchants is based on honesty, and honesty is their business philosophy. Honesty has created a century-old foundation for Shanxi merchants.
A, foundation B, core C, important D, success
23. The reason why the operation of insurance companies must be based on good faith is firstly due to the () of the insurance industry.
A, service b, particularity c, remuneration d, advance payment
24. The () culture of insurance companies is mainly composed of four parts, namely, spiritual culture, institutional culture, behavioral culture and material culture.
A, overall B, unique C, enterprise D, team
25. On July 2, 2005, China insurance industry made a nationwide service commitment for the first time in Beijing. Forty-five insurance companies from all over the country gathered in Beijing, and jointly signed the () Insurance Service Commitment, personal accident insurance and Health Insurance Service Commitment.
A, motor vehicle B, group person C, maritime D, engineering
26. The subject of insurance information disclosure is the provider of insurance information, including insurance companies, insurance regulatory agencies and insurance credit rating agencies. Among them, () is the most important discloser of insurance information, and has the obligation to disclose the company's operating status and financial status to the insured or the insured, investors, insurance regulatory agencies and other stakeholders.
A, insurance report B, CIRC C, insurance company D, network
27. The contents of an insurance company () generally include the following items: the company's financial status, operating results, risks and risk management, major events, products and sales channels, etc.
A, information disclosure B, reputation
C, information release D, business report
28. The insurance industry is a financial industry based on high credit, and insurance contracts are usually called () contracts.
A, life and death b, utmost honesty c, underwriting d, business
29. The opportunity cost of dishonesty is not only manifested in the dishonesty of insurance institutions or employees to customers (), but also in the economic losses caused by the dishonesty of employees to insurance institutions.
A, risk premium B, credit crisis
C, refused to insure D, social crisis
30. The product of insurance business is a kind of service of () nature, which stipulates the rights and obligations between the insurer and the applicant through the terms of the insurance contract.
A, Contract B, Guarantee C, Paid D, Guarantee
3 1. Grasp the two key links of marketing and (), and run integrity through the business process.
A, claim B, management C, customer service D, underwriting
32. Insurance product is a typical intangible commodity, and it is a promise made by insurance company to customers to pay for insurance accidents that may occur in the future.
A, assets b, credit c, brand d, integrity
33. In the process of designing insurance products, insurance companies must always keep in mind customer needs and develop products according to customer needs, which is also a manifestation of insurance companies' operation.
A, specification B, specialty C, honesty D, and being good at
Actuaries should follow the following principles when pricing insurance products: (1) the principle of fairness; (2) the principle of sufficiency; (3) the principle of adequacy.
A, openness B, honesty C, assurance D, rationality
35. Actuaries need to make assumptions about some important factors that affect insurance rates. Whether these assumptions can truly and reasonably reflect the actual experience determines whether a product's () is fair and reasonable.
A, price b, pricing c, value d, design
36. () The higher the ability, the stronger the ability of insurance companies to provide risk protection and compensation.
A, control B, operation C, payment D, claim settlement
37. Insurance clauses are documents that determine the rights, obligations and corresponding legal relationships of the parties to an insurance contract. They are concrete manifestations of the inherent functions and service items of insurance products, and are the commitments made by the insurer to () according to the principle of utmost good faith.
A. Insured Party B, Insured Party C, Party D and Customer
38. On May 9, 2004, China Insurance Regulatory Commission issued the Regulation on Management of (), which was officially implemented on June 5, 2004. This is the first time that domestic industry regulators have written the requirement of popularizing contract contents into laws and regulations.
A, insurance company B, brokerage company
C. Evaluation company D. Agency company
39. The insurance company's truthful notification mainly refers to the insurance company's prompt to the insured's risk before concluding the insurance contract and the explanation of the contract terms, such as ().
A. Terms of payment B. Payment of insurance premium
C. Exemption from liability D. Return on income
40. Insisting on honest marketing is to publicize and explain the purpose, scope, responsibility, applicable rate, () and the rights and obligations of the insured to customers without exaggeration.
A, claim principle B, insurance principle
C, compensation principle D, customer service
4 1. The insurance company shall announce the unit value of the investment account at least once in the public media recognized by the China Insurance Regulatory Commission, so as to facilitate customers to know the investment situation.
A, every year b, every month c, every quarter d, every day
42. In any case, if () before the expiration of the policy is not enough to cover the current insurance costs and expenses, the insurance company shall notify the applicant in advance, especially stating that the protection will end early in this case, and put forward the conditions for maintaining the effectiveness of the policy.
A, premium paid b, cash value
C, account amount d, premium payable
43. From the practical point of view, the underwriting integrity can be carried out from two aspects: on the one hand, the external integrity in the underwriting process, and on the other hand, the underwriting integrity.
A, internal control b, management c, audit d, performance.
44. The basic principle of insurance is based on (), and the development and design of insurance products are determined according to the sample characteristics and the average trend of risk distribution.
A, golden rule b, law of large numbers
C, Law of Large Numbers D, Law of 28
45. In the insurance marketing exhibition industry to implement the principle of good faith, an important prerequisite is that business personnel have excellent ().
A, professional quality B, professional ability
C, professionalism D, sales skills
46. To implement the principle of good faith in the preparation of documents, it is required that the documents are complete, the insurance contract has three elements, the subject matter of insurance and the insurance contract are clear and definite, the relevant figures and calculation formulas are accurate, the terms are clear and the signatures are complete.
Party A, Party B, Insured Party C, Customer D and Insured
47. In the after-sales service of insurance, keeping timely communication with customers and obtaining the dynamic risk characteristics and behavior information of customers are the requirements for implementing the underwriting integrity.
A, important b, internal c, basic d, external
48. An insurance contract is a kind of contract, and the general provisions of "()" shall apply.
A. Civil Law B, Constitution C, Creditor's Rights Law D and Contract Law
49. According to the principle of utmost good faith in the insurance contract and the importance of the change of the insurance contract to both parties, the insured must inform the insurer in advance and obtain the written consent of the insurer, and endorse the insurance contract or adopt other means, otherwise, with the transfer of the subject matter, the insurance contract will be invalid.
A, insurance clause B, insurance policy
C. Insurance contract D. Subject matter insured
50. The termination of an insurance contract means that after the insurance contract is established, due to legal or agreed reasons (), the legal effect is completely eliminated. The effect is that the legal effect of insurance contracts no longer exists.
A, legal facts b, laws and regulations
C, objective facts D, emergencies
5 1. In the event of a dispute over an insurance contract, both parties to the insurance contract shall follow the principle of () and try their best to settle it through conciliation or mediation.
A, be honest and trustworthy B, tell the truth
C, the greatest integrity D, the provisions of the contract
In civil law, the principle of good faith is an important principle, which is usually called the () principle or "imperial rule" of civil law, especially the creditor's rights law.
A, must abide by b, fundamental
C.d. supreme guidance
53. The insurer's principle of utmost good faith is not only reflected in the notice and explanation, but also in the performance of (), that is, the claim settlement after the insurance accident.
A, commitment b, clause c, claim d, contract
54. Information sharing in the insurance industry is a voluntary act and generally does not involve business secrets in the operation of insurance companies.
A, mutual benefit B, insurance institutions
C, win-win D, unity and cooperation
55. Professional ethics evaluation refers to people's () judgment of professional workers' moral professional behavior according to professional ethics standards that conform to certain social, stage, group or group etiquette.
A, standard b, orientation c, law d, value
56. Team integrity culture is the sum total of moral concepts and work styles with integrity as the core, which is formed by the team in long-term practice and generally recognized by ().
A, everyone B, marketer C, member D, group
57. Honesty is the insurance broker to guard against professional liability risk ().
A, system b, condition c, agreement d, guarantee
58. "Honesty" is the foundation of the insurance industry in China, and it is also the () of the insurance adjuster in China.
A, lifeline B, the foundation of career C, cornerstone D, lifeline
59. The cultural image of insurance companies refers to the public's understanding and evaluation of the corporate culture of insurance companies.
A, media b, government c, policyholder d, insured
60. The goal of brand management strategy of insurance companies is to establish and cultivate a long-term cooperative relationship of good faith between the insured and the company ().
A, create value b, resist risks c, cooperate d, and benefit each other.
6 1. Information disclosure is not only a kind of insurance company (), but also a direct embodiment of insurance company's honesty and credit.
A. Liability B. Clause
C, obligation d, system
62. Insurance credit rating refers to the rating agencies rating the credit status and solvency of insurance companies through professionals and using specialized technology and (), so that the public can have a more comprehensive and objective understanding and understanding of the solvency of insurance companies.
A, scientific analysis B, professional investigation C, information channel D, comprehensive research
63. In early English and French, the term "public opinion" refers to () that has not been fully demonstrated.
A, group speech B, social evaluation
C, moral judgment D, subjective judgment
64. In 2005, the Measures for the Administration of Insurance Guarantee Fund was officially promulgated, which made the interests of the insured more specific and fully protected.
a、 1 1 B、 1 C、 12 D、2
65. The integrity construction of the insurance industry also needs institutional guarantee. Its overall goal is to establish and improve a system consisting of three parts: insurance legal system, insurance market supervision system and insurance credit evaluation system.
A, insurance credit B, scientific management
C, insurance supervision D, insurance integrity
66. The current insurance law only stipulates the principle of insurable interest and the principle of compensation for property insurance losses, but does not clearly stipulate the principle of utmost good faith and the principle of compensation for short-term health insurance and accidental medical insurance, which fails to fully reflect the industry characteristics of the insurance industry and the particularity of insurance contracts.
A, claim principle B, endowment insurance
C, underwriting principle d, proximate cause principle
67. The China Insurance Regulatory Commission clearly pointed out in the Notice on Further Strengthening the Credit Construction of the Insurance Industry that insurance institutions should do a good job in credit construction.
A, foundation B, promotion C, organization D, publicity
68. According to the link of insurance (), the contents of insurance standards include insurance credit standards, insurance actuarial standards, insurance policy terms standards, insurance underwriting claims standards, insurance service behavior standards, insurance investment operation standards and insurance information disclosure standards.
A. Risk management
C. Business process D. Operation and management
69. () Mechanism is one of the most important components of the social credit system, and its function is to punish those who break their promises in market economic activities through the combination of economic means and moral condemnation means, and to exclude enterprises and individuals who seriously break their promises from the mainstream of the market.
A, credit management B, industry supervision
C, credit crisis D, dishonesty punishment
70. The principle of good faith is also the civil and commercial law of our country ().
A, basic principle B, important composition C, legal theory D, foundation
7 1. Accelerating the reform and development of the insurance industry and establishing a market-oriented compensation mechanism for disasters and accidents will play an important role in improving the disaster prevention and rescue system, enhancing the ability of the whole society to resist risks and promoting sound and rapid economic development.
A, irreplaceable b, epoch-making
C, irreplaceable D, actively promote
72. Accelerating the reform and development of the insurance industry is conducive to the innovation of social management and public services and the improvement of administrative efficiency.
A, government b, company c, country d, supervision
73. The overall goal is to build a modern insurance industry with perfect services, standardized business integrity, sufficient solvency, strong comprehensive competitiveness, and unified development speed, quality and efficiency.
A. Market mechanism B. Market environment
C. Market subject D. Market system
74. Actively and steadily push forward the pilot project and develop various forms of agricultural insurance.
A, multifaceted B, diversified C, multi-guarantee D and multi-channel.
75. Actively develop insurance businesses such as individual and group pension. Encourage and support qualified enterprises to establish a multi-level old-age security plan through () insurance to improve the level of employee security.
A, social b, pension c, business d, major
76. In order to give full play to the important role of insurance in preventing losses and reducing disasters and accidents, insurance should be included in the disaster accident prevention system.
A, rescue B, management C, rescue D, disaster relief
77. Improve the insurance innovation mechanism with insurance enterprises as the main body, () as the guidance, and combining introduction with independent innovation.
A, social demand B, customer demand
C, market demand D, innovation management
78. Accelerate the construction of insurance () system and cultivate insurance integrity culture.
A, integrity b, credit c, marketing personnel d, risk
79. Adhere to risk prevention as the lifeline of the healthy development of the insurance industry, and constantly improve the modern () system based on solvency, corporate governance structure and market behavior supervision.
A, insurance management B, risk management and control
C. Insurance supervision D. Insurance management
80. Constantly improve policies and measures for insurance salesmen and rights protection.
A, occupation B, employment C, professionalization D, specialization
8 1. Insurance professional ethics is the code of conduct and norms that employees in the insurance industry should follow in their professional activities, and () morality is its primary feature.
A, role B, major C, personality D, caring
82. China first put forward the concept of "virtue" at the end of the Warring States Period (), and he mentioned in "Encouraging Learning" that "learning ends with ceremony, and the husband is called the ultimate virtue".
A, Xunzi B, Han Feizi C, Mozi D, Mencius
83. The basic idea of insurance professional ethics embodies the most basic () in insurance professional activities, which has universal guidance and binding force, so it is the core of the whole moral system.
A, honesty and trustworthiness B, moral standards
C, ethical relationship D, interpersonal relationship
84. Professional ethics training for insurance practitioners includes two aspects: first, pre-job professional ethics training for insurance practitioners; The second is the continuing education of insurance practitioners, including insurance agents, insurance brokers and insurance assessors ().
A. Re-education B. Continuing education C. Continuing education D. Training
85. There are three basic concepts of insurance professional ethics, namely, "people-oriented", "()" and "harmony is the most important".
A, win the trust with sincerity b, reputation-oriented.
C, abide by integrity D, put others before yourself
86. Insurance professional ethics is the sum of the standards that insurance practitioners should abide by in their professional activities, including eleven requirements, such as law-abiding, honesty and trustworthiness, professional competence, customer first, fair competition, diligence, confidentiality, solidarity and mutual assistance, courtesy, love of their jobs, and innovation.
A, occupation B, work C, regulation D, behavior
87. The professionalization of insurance practitioners is an inevitable trend of the development of the insurance industry.
A, routine b, occupation c, standard d, specification
88. Professional responsibility refers to people's specific responsibilities in certain professional activities, including what people should do and ().
A, responsibility b, risk c, problem d, obligation
89. Innovation refers to the activities that people use known information to break away from convention and discover or produce some novel and unique social values or () new things and concepts for the needs of development.
A, individual B, science C, importance D, economy
90. The general requirements of professional ethics in exhibition business are as follows: (1) Specify the exhibition scheme that meets the requirements of customers; (2) Ensure the interests of customers and companies; (3) to maximize the economy of customers; ()
A, income b, income c, utility d, value
9 1. The specific requirements for the professional ethics of insurance salesmen are: (1) Establish an honest and trustworthy service image; (2) Establish a customer-oriented service concept; (3) Fully perform due diligence; (4) Actively participate in pre-job training and follow-up education.
A, the principle of telling the truth B, sales responsibilities
C, service responsibilities d, job responsibilities
92. Modern etiquette norms should follow the following principles: (1) sincerity (2) self-discipline (3) (4) self-esteem (5) equality (6) tolerance (7) moderation (8) elegance.
A, love B, be polite C, respect D, care.
93. The implementation of insurance professional ethics refers to the specific application of insurance professional ethics in the insurance industry through implementation, compliance and encouragement, so that insurance professional ethics can be applied to ().
A, insurance business B, insurance business
C, insurance marketing D, insurance relationship
94. () In June+February, 5438, the CIRC issued the Code of Professional Ethics for Insurance Agents, Insurance Brokers and Insurance Assessors.
2003b, 204c, 205d, 2006
95. The mission of PICC China is: ()
A. Market-oriented and customer-centered; B, PICC, Huimin; Create Excellence and repay the society; D, build a brand with integrity.
96. China PICC's business philosophy is: ()
A, efficient, fast, communication, innovation B, PICC, Huimin C, market-oriented, customer-centered D, honest and steady operation.
97. During the 11th Five-Year Plan period, PICC China accelerated the third-step strategy and completed () in an all-round way.
A, international insurance group b, international finance group c, international insurance (finance) group d, international finance (insurance) group
98. China Life was selected as one of the Fortune Global 500 companies for () consecutive years, and became one of the top ten influential brands in the world in China in 2006.
a、3 B、4 C、5 D、6
99. China Life was listed in both Hongkong and new york in 1999, which set the world's largest IPO record that year.
a、 1999 B、2003 C、2006 D、2004
100. According to the total market value at the close of September 20th, 2006, China Life has become a global () listed life insurance company.
A, the largest B, the second largest C, the third largest D and the fourth largest.