世界银行、亚洲开发银行贷款和日本政府日元贷款备选项目规划由（）提出，商国务院财政部

163 Many companies self insure against some risk. Problems which can arise from self-insurance include:

A. failure to reserve funds to handle worst case scenarios (low probability events) resulting in severe financial damage to the company

B. stiff competition from insurance companies

C. confusion of business risks with insurable risks.

D. A and C

E. All of the above

45 Many companies self insure against some risk. Problems which can arise from self-insurance include:

A. failure to reserve funds to handle worst case scenarios (low probability events) resulting in severe financial damage to the company

B. stiff competition from insurance companies

C. confusion of business risks with insurable risks.

D. A and C

E. All of the above

Section B

Directions: In this section, you will hear 3 short passages. At the end of each passage, you will hear some questions. Both the passage and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A, B, C and D.

听力原文： Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the company charges a much higher price. If too many climbers have accidents, the price rises still further. If the majority of climbers fall off mountains, the company will refuse to insure them.

An ordinary householder may wish to protect his home against fire or his property against burglary. A shop keeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium,; if it is suspicious, it may refuse to quote. If it insures a shop and then receives a suspicious claim, it may carry out a careful investigation. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident free record.

(27)

A．Charge a low price.

B．Give a much higher price.

C．Quote the highest price.

D．Not provide its insurance service.

Insurance premiums do not become too high because ______.

A. not many people insure themselves B. premiums depend on the risk of loss

C. insurers have to be more competitive D. insurance companies can never lose money

______, many people still vote against the use of the death penalty.

A．However some crimes are inexcusable

B．However are some crimes inexcusable

C．However inexcusable some crimes are

D．Some crimes are however inexcusable

Many companies do not bring a suit against computer crimes because ______.

A．criminals are too powerful to be conquered

B．law procedures against computer crimes usually cost a lot of money

C．they fear that public will not believe their organization any more

D．they are afraid of the criminals

Insurance premiums do not become too high because ______.

A．not many people suffer loss

B．they are fixed according to how likely the risk of loss is to happen

C．not many people insure themselves

D．insurance companies compete with each other

听力原文：Were there many people at the reception？

(A) Some people from our team should probably go.

(B) There were probably about thirty ail together.

(C) I think it begins at six.

(30)

A．

B．

C．

nd unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote (报价) low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the company charges a much higher price. If too many climbers have accidents, the price rises still further. If the majority of climbers fall off mountains, the company will refuse to insure them.

An ordinary householder may wish to protect his home against fire or his property against burglary. A shop-keeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium (保险费). If it is suspicious, it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises (房产) so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record.

Every week insurance companies receive premium payments from customers. These payments can form. a very large total running into millions of dollars. The company does not leave the money in the bank. It invests in property, shares, farms and even antique paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem, since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community.

According to the first paragraph in the passage, which of the following statements is TRUE？

A．A passenger by air will take less risk of being killed than a man crossing a busy road.

B．A passenger by air will take greater risk of being killed than a man crossing a busy road.

C．A passenger by air will have to pay more to the insurance company than a mountain climber.

D．A motorist should pay the highest price to the insurance company.

We insure the goods () RMB￥5 500 against All Risks () PICC

A、for,on

B、with,on

C、with,to

D、for,with