Xi Notes: Tianmei.
The previous article has sorted out the new 1-14 questions on the 20231206, and this article has sorted out the known 15-40 questions simultaneously.
15.Professional farmer cooperatives shall follow the following principles: members shall be dominated by farmers;To serve the members for the purpose, to seek the common interests of all members;Voluntary membership and withdrawal from the company [ ] The status of members is equal and democratic management is implementedThe surplus is mainly returned in proportion to the transaction volume (amount) between members and professional farmer cooperatives.
a.Freely. b.Approval.
Answer: A Key Words: The principle of professional farmer cooperatives--- in which "freedom to withdraw from the cooperative".
16.The average guarantee rate of the business entity is 065% with an average loan interest rate of 56%, and the comprehensive financing cost does not exceed the average level of the local market operating entities. 【
a.That's right. b.Mistake.
Answer: A key words: the new agricultural business entity credit through train - low interest rate.
17.Logistics insurance is a comprehensive insurance business that provides a series of risks such as property loss, machine damage, vehicle and other means of transportation safety, personal safety liability, and employee loyalty guarantee during the physical flow of insured goods from the first place to the receiving place (including transportation, storage, processing and packaging, distribution, etc.). 【
a.Mistake. b.That's right.
Answer: B Key Words: Logistics Insurance (Definition and Interpretation).
18.Construction project insurance is the subject of insurance for the material losses, cost losses and compensation liabilities related to the project incurred by the main body of the project under construction during the entire construction period of the project. 【
a.Mistake. b.That's right.
Answer: B Key Words: Construction Insurance (Definition and Interpretation)).
19.Solvency supervision of insurance companies refers to the comprehensive and strict supervision and management of the financial ability of insurance companies to bear all due debts and future liabilities by insurance regulators. 【
a.That's right. b.Mistake.
Answer: A Key Words: Solvency of Insurance Companies (Definition and Explanation).
20.The beneficiary is the person designated by the policyholder or the insured in the insurance contract and has the right to claim compensation in the event of an insured event. The beneficiary is generally clearly specified by the insured or the policyholder in the contract, and if it is not specified, the insured is the beneficiary.
a.Testamentary heirs.
b.Legal heirs.
Answer: B Key Words: Beneficiary (Definition and Interpretation).
20.Tea that is not fermented when it is made, and the dry tea, soup color, and leaf bottom are all green is green tea, which is the earliest tea in Chinese history. 【
a.That's right. b.Mistake.
Answer: A Key Words: Green Tea - the earliest type of tea.
21.Green tea is an unfermented tea. 【
a.That's right. b.Mistake.
Answer: A Key Word Reading Aid: (Compare with Question 20) "It is made without fermentation......Green Tea".
22.Once the insurer undertakes to guarantee the renewal of the insurance, at the expiration of the original insurance contract, the insurer shall not increase the insurance premium, let alone refuse to insure, regardless of how much the risk of the subject matter of the insurance increases. 【
a.That's right. b.Mistake.
Answer: A Key Words: Commitment to renew the insurance - no increase in premiums, no refusal of insurance.
23.The beneficiary is the person designated by the policyholder or the insured in the insurance contract and has the right to claim compensation in the event of an insured event. The beneficiary is generally clearly specified by the insured or the policyholder in the contract, and if it is not specified, the insured is the beneficiary.
a.Testamentary heirs.
b.Legal heirs.
Answer: B Key words: When the beneficiary is not specified - the legal successor is the beneficiary.
24.The clause that allows the policyholder to further consider whether the policy should or needs to be purchased within a period of time (usually 10 days) after receiving the policy is [ ].
a.Cooling-off period clause.
b.Grace period clause (this is a grace clause for the period of time when premiums cannot be paid on time after the policy is in force).
Answer: A key words to read: insurance hesitation period - 10 days - hesitation period clause.
25.Installation engineering insurance is an insurance that covers the material losses caused by natural disasters and accidents during the installation of various large machinery and equipment, as well as the liability of the insured to the third party according to law. The insured amount of installation engineering insurance is generally not the total value at the time of completion of the installation of the project.
a.Higher than. b.Below.
Answer: B Key Words: Definition of installation engineering insurance - installation engineering insurance coverage - not less than - total project price (to ensure that the full amount of compensation can be paid in case of accidents, because the total project price of large machinery and equipment is usually huge, and the unexpected consequences are unbearable).
26.In life insurance contracts, with the exception of term death insurance, most life insurance policies (especially whole life insurance) have a cash value after paying premiums for a certain period of time.
a.Have. b.No, it doesn't.
Answer: A Key Words: Life insurance - has a cash value (how much money can be obtained from the discount of the policy at the current point in time).
27.Unemployment allowance is an allowance issued by the state under the unemployment compensation plan, which is an income guarantee provided by the state for the unemployed during a period of unemployment.
a.Voluntarily. b.Involuntary.
Answer: B Key words: "involuntary" unemployed people --- unavoidable, non-personal subjective abandonment of work).
28.The credit through train activities of new agricultural business entities shall be provided with credit guarantee services for business entities by [ ].
a.Farmers' cooperatives.
b.Family farms.
c.National Agricultural Credit Guarantee System.
d.Leading agricultural enterprises.
Answer: C Key Words: New Agricultural Business Entity Credit Express - Guarantor - National Agricultural Credit Guarantee System (this activity introduces a special guarantee system and sets a fixed proportion of guarantee fees).
29.The main service object of the new type of agricultural business entity credit through train activity is the national [ ].
a.Farmers' cooperatives, leading agricultural enterprises.
b.Family farms, farmer cooperatives.
Answer: B Keywords Reading Aid: Nationwide - family farms, farmer cooperatives (relatively weak, under normal circumstances, it is not easy to enter the threshold of operating loans).
30.Product recall insurance is insurance that covers the recall costs incurred when the insured product is defective and causes or may cause personal injury or property damage to the consumer. 【
a.Mistake. b.That's right.
Answer: B Keywords Reading Aid: Product Recall Insurance (Definition and Interpretation).
31.On the basis of rural household contract management, the producers and operators of agricultural products or the providers and users of agricultural production and operation services, and the mutual aid economic organizations that voluntarily unite and are democratically managed, are called [ ].
a.Professional farmer cooperatives.
b.Agribusiness.
Answer: A Key Words: Professional Farmer Cooperatives (Definition and Interpretation).
32.Suspension of an insurance contract is a kind of [ ] invalidation of the validity of an insurance contract. The insurer shall not be liable for compensation or payment of insurance benefits for insured accidents that occur during the suspension of the insurance contract.
a.Perpetual. b.Temporarily.
Answer: B Key Word Reading Aid: Suspension of the insurance contract (in the middle, interruption, not "final") - temporary invalidation.
33.Enterprise property insurance is a property damage insurance that is owned, possessed or kept by an enterprise or other organization, and the property and its related interests located in a designated place are the subject of insurance. Property kept for others [ ] Insure enterprise property insurance.
a.No.
b.OK. Answer: B
Key words: Escrow property - property insurance can be insured.
34.In an insurance contract, the insurance liability stipulates the risks borne by the insurer from the front, and the exclusions state which risks are not covered risks. When there is a conflict between the two, [ ] shall prevail.
a.Exclusions.
b.Insurance Liability.
Answer: A Key Words: Exclusion - Disclaimer. In the event of a conflict between the two, the exclusion shall prevail.
35.Additional Insurance【 】Separately insured.
a.OK. b.No.
Answer: B Key Words: Since it is "additional" - it "cannot" be insured separately.
36.Green tea, black tea, green tea, white tea, yellow tea, and dark tea are all tea leaves that belong to the basic tea category. 【
a.Mistake. b.That's right.
Answer: B Key words reading aid: basic tea (green tea, black tea, green tea, white tea, yellow tea, dark tea).
37.Loss of profit insurance is a kind of enterprise property insurance that covers the economic losses (including loss of profits during business interruption and necessary expenses that still need to be paid) caused by the insured's suspension of production, suspension of business or business impact within a period of time due to the occurrence of natural disasters or accidents such as fires.
a.Direct. b.Indirect.
Answer: B Keywords Reading Aid: Profit Loss Insurance - (Indirect) Economic Loss of Suspension of Production and Business.
38.In the event that the insured manufactures or sells a product that cannot achieve the performance specified in the contract and causes economic loss to the user, the insurer shall be liable for the defective product itself and the related economic losses and expenses arising therefrom
a.Product Liability Insurance.
b.Product Quality Assurance Insurance.
Answer: B Keywords Reading Aid: Defective - Product Quality Assurance Insurance.
39.The loans applied for through the credit through train activities of new agricultural business entities are mainly used for [ ].
a.and the normal operation and development of agricultural production, services and industries directly or closely related.
b.Tie the knot. c.Build a house or buy household goods.
d.Financial. Answer: a
Keyword reading aid: Choose the answer with the longest answer (and only this one matches the content of the question stem).
40.Contractor's liability insurance is an insurance that covers the civil liability of the contractor in accordance with the law when it causes personal injury or property damage to others during the construction, operation or work of the contracted project. Liability for Contractor's Liability Insurance Tort liability for bodily injury or property damage to a third party.
a.Include. b.Not included.
Answer: A Key Words: Contractor's Liability Insurance - (Definition and Interpretation) - Including tort liability to third parties