前不久，中国国家旅游局副局长杜江表示，目前中国旅游业收入占GDP的比重超过了4%，旅游业对经济增长的拉动作用日益明显。据介绍，旅游业综合性强，关联度大，产业链长，能够影响和促进与之相关联的110个行业发展。据世界旅游组织测算，旅游收入每增加1元，可带动相关行业增收4.3元。旅游业作为第三产业的重点，是现代服务业的重要组成部分，对文化交流、生态文明和人的全面发展都具有明显的促进作用，能够促进经济、社会协调发展。

世界旅游组织秘书长佛朗西斯科·弗朗加利认为，中国旅游业在世界旅游业发展中发挥的作用越来越大，中国将在2020年超过法国、西班牙、美国而成为世界第一旅游目的地，同时，10年后中国有望成为世界第一旅游大国。

然而，中国旅游业还存在一定的问题。据国家旅游局有关负责人介绍，当前中国旅游业发展的一个基本情况，就是旅游需求远远大于旅游供给，呈现出明显的人民群众的需求大大上升，旅游的服务跟不上的短缺性情况。当前大众消费的热点，正由观光旅游向观光与休闲度假并重转变，消费方式灵活多变。但长期以来，中国的旅游产品以景区观光为主，远远满足不了大众休闲的需要。因此今后的中国旅游建设必须向这个方向发展。

旅游业的特点不包括什么？（）

A．创收比较多

B．关联度大

C．产业链长

D．综合性强

Insurance is the sharing of (1) . Nearly everyone is exposed (2) risk of some sort. The house owner, for example, knows that his (3) can be damaged by fire; the ship owner knows that his vessel may be lost at sea; the breadwinner knows that he may die by (4) and (5) his family in poverty. On the other hand, not every house is damaged by fire or every vessel lost at sea. If these persons each put a (6) stun of money into a pool, there will be enough to (7) the needs of the few who do suffer (8) . In other words the losses of the few are met from the contributions of the (9) . This is the basis of (10) . Those who pay the contributions are known as (11) and those who administer the pool of the contributions as insurer.
The (12) for an insurance naturally depends on how the risk is to happen as suggested (13) past experience. If the companies fix their premiums too (14) , there will be more competition in their branch of insurance and they may lose (15) . On the other hand, if they make the premiums too low, they will not have (16) and may even have to drop out (17) business. So the ordinary forces of supply and (18) keep premiums at a proper (19) to both insurers and those who (20) insurance.