问题 单项选择题

1997年日产生命保险公司的破产使日本保险公司不倒的神话破灭,震惊了整个世界保险业。日本的保险实务界和保险理论界在深入探讨日产生命保险公司破产原因时,认为其主要原因是该公司在泡沫经济时期出售大量高预定利率的保单所产生的利差风险;

另一个重要原因是日产生命保险公司采用公司内部设立投资部的运作模式。1929-1933年的美国经济大危机,使得当时许多采用委托专业的资产管理公司管理的保险公司面临倒闭,破产的根本原因并不是这些保险公司自由经营的失败,而是由保险投资的管理模式自身的缺陷而引发的。

2008年国际金融危机中,采用资产管理公司模式的世界头号保险集团AIG也因投资问题而一度陷入财务困境,被迫处理其部分公司资产。由此可见,每种资金运用管理模式都有优缺点。

目前我国保险公司的资金运用管理模式大多数采用内部设立投资管理模式,此模式的最大优点是()。

A.易于监控

B.透明度高

C.成本低

D.专业化

答案

参考答案:A

阅读理解

Hello,everyone.Because of the high rate of school violence(暴力)in some areas,teenagers’safety becomes a serious problem.We are planning to set up an organization named School Watch to make sure that students have a safe school environment.Please be part of our plan!

What is School Watch?

School Watch is a volunteer project in our school.It helps us stop violence and improve the quality of school life.It will keep yourself and your schoolmates safe.The other members of School Watch care for you and your classroom and you do the same for them.

Is it for everyone?

Anybody can become a member of School Watch because everyone has something to offer.

What else can it do?

School Watch makes it possible for us not only to help each other but also to make friends with each other.Some members may offer to help schoolmates who have problems with their homework.

Who is the Best School Watcher?

Our school will look for the Best School Watcher and give him or her lots of prizes.You could be the one!

How do you start?

To be part of this plan,the only thing you need to do is to talk to the director of the plan in your grade.If you want to get more information, check the official website at www.schoolwatch. com.

小题1:The members of School Watch are probably _______.

A.teenagers

B.parents

C.policemen

D.teachers小题2:School Watch can help its members _______.

A.save the environment

B.organize sports activities

C.improve the quality of school life

D.improve students’marks小题3:Anyone can become a member of School Watch because _______.

A.everyone may have problems

B.everyone can give help to others

C.everyone needs to make some friends

D.everyone wants to have good marks小题4:If you want to be a member of School Watch, you should______.

A.check the web sites

B.be good at your schoolwork

C.talk to the director of the plan in your grade

D.get good marks小题5:The Best School Watcher will get a lot of prizes from _____every year.

A.the school

B.the website

C.the organization

D.the plan

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