保险学试卷a答案（精选6篇）
保险学试卷a答案 第1篇
南阳师范学院
2012-2013学年第2学期政治与公共管理学院10级公共事业管理
专业《保险营销管理》课程期终考查试卷（A）
一、简答题：（本题共6小题，共60分）
1、你认为在保险市场保险顾客流失的原因有哪些？
2、保险代理制度有哪些缺点？
3、简述保险营销战略的制定过程。
4、简述政府对保险的监管领域。
5、影响保险市场需求和供给的因素有哪些。
6、论述保险代理制度有哪些优势。
三、设计题（本题共1小题，共40分）
根据社会发展变迁的新情况，新问题，请设计一款新保险产品，并说明理由。
保险学试卷a答案 第2篇
一、单项选择题。（60分）1-
5、ADDDB6-
10、A A D C B11-15BDAAC16-20DCAAA
二、判断题（每小题2分，共20分）
1、╳
2、√
3、√
4、√
5、√
6、√
7、╳
8、√
9、╳
10、√
三、论述题（2题共20分）
1.从理论上讲旅游业不算是项产业（三分）
在实践上，旅游业却是一项实实在在的产业（三分）
旅游业不像其他产业那样界限分明，只是说明旅游业的特点。（四分）
2.在全世界国际旅游中，近距离的出国旅游，特别是前往邻国的国际旅游，一直占绝大比重，以旅游人次计算，这种近距离出国旅游人次约占全世界国际旅游人数的近百分之八十。出现这种情况的原因有A.这种旅游费用少B.入境手续和交通便利 C.障碍少（4分）
在流动趋势的分布上，特别是就远程国际旅游而言，从50年代至今，欧美一直是世界上最主要的国际旅游客源地和目的地，并且这两个地区彼此互为重要的客源地和目的地。（3分）
保险学试卷a答案 第3篇
注意事项:本试卷分第I卷 (选择题) 和第II卷 (非选择题) 两部分。第I卷1至8页。第II卷9至12页。共150分。考试时间120分钟。
1. 答第I卷前, 考生务必将自己的姓名、准考证号、考试科目用铅笔涂在答题卡上。每小题选出答案后, 用铅笔把答题卡上对应题目的答案标号涂黑。如需要改动, 用橡皮擦干净后, 再选涂其他答案标号。不能答在试卷上。
2. 听力分为选择题和非选择题两部分。非选择题答在第II卷上。
3. 第II卷答案一律写在试卷上。交卷时只交答题卡和第II卷。。
第 I 卷 (共 94 分)
第一部分:听力 (共三节, 满分30分)
听力分为选择题和非选择题两部分。选择题为第1至16题;非选择题为第62至65题。
第一节 (共5小题;每小题1.5分, 满分7.5分)
听下面5段对话。每段对话后有一个小题, 从题中所给的A、B、C三个选项中选出最佳选项, 并标在试卷的相应的位置。听完每段对话后, 你都有10秒钟的时间来回答有关小题和阅读下一小题。每段对话仅读一遍。
1. Why can’t the woman give the man directions?
A. She is too weak to say much.
B. She hasn’t been here long either.
C. She is very much afraid.
2. How does the man feel?
A. He is sorry about his illness.
B. He is happy about lying in bed.
C. He is upset with the woman’s words.
3. Where is the conversation probably taking place?
A. On a plane. B. At the airport. C. In London.
4. Why won’t the woman go to the concert?
A. She will watch TV.
B. She will see her friend.
C. She will look after some children.
5. Who is the man probably talking to?
A. His daughter. B. His doctor. C. His patient.
第二节 (共11小题;每小题1.5分, 满分16.5分)
听下面4段对话。每段对话后有几个小题, 从题中所给的A、B、C三个选项中选出最佳选项, 并标在试卷的相应位置。听每段对话前, 你将有时间阅读各小题, 每小题5秒钟;听完后, 各小题将给出5秒钟的作答时间。每段对话读两遍。
听第6段材料, 回答第6至第7题。
6. Who will Lily send the postcard to?
A. Her parents. B. Her friend. C. Her grandparents.
7. When will they gather to celebrate Lily’s birthday tomorrow?
A. At 6 pm. B. At 6:15 pm. C. At 6:50 pm.
听第7段材料, 回答第8至第10题。
8. What does the man learn about animals and insects?
A. They have their own words.
B. They have their own languages.
C. They can talk with each other.
9. What does the woman think of the machine?
A. Wonderful. B. Common. C. Expensive.
10. Why does the woman want to buy a machine like that?
A. She is curious about the machine.
B. She needs to do research on animals.
C. She wants to understand her dog better.
听第8段材料, 回答第11至第13题。
11. When will they go to the ruins?
A. Today. B. Next week. C. Tomorrow.
12. What does the woman think of her room?
A. Clean and comfortable.
B. Clean but uncomfortable.
C. Dirty and uncomfortable.
13. What are the man and the woman?
A. Teachers. B. Students. C. Guides.
听第9段材料, 回答第14至第16题。
14. Who cooked a lot in David’s family in the past?
A. His father. B. His mother. C. David.
15. What did they fi nd interesting?
A. David doesn’t know how to cook.
B. Young husbands usually help cook.
C. Mothers usually do all the cooking.
16. Which country does the woman’s mother come from?
A. Britain. B. Australia. C. China.
第三节 (共4小题;每小题1.5分, 满分6分)
听第10段材料, 根据你所听到的内容, 在表格中第62至第65小题的空格里填上适当的单词, 使信息完整。每空填一个词。 ( 注意:请将本题答案写在二卷指定位置 )
第二部分:英语知识运用 (共两节, 满分40分)
第一节单项填空 (共10小题;每小题1分, 满分10分)
从A、B、C、D四个选项中, 选出可以填入空白处的最佳选项, 并在答题卡上将该项涂黑。
17. The World Cup is a world-famous event, _______ everybody on the planet loves talking about.
A. which B. where C. that D. what
18. The visitors are so amazed at the snow here that they _______ for another two days.
A. stay B. have stayed C. are staying D. stayed
19. Margot won the fi rst place and she got her _______ of a seven-day journey to New Zealand.
A. reward B. charge C. value D. bargain
20. Peter doesn’t want to live in the country when he grows up, nor _______ to live in the city.
A. will he want B. he will want C. does he want D. he wants
21. We _______ the harm and will take steps to prevent it happening.
A. inspect B. recognize C. select D. ignore
22. Rescue workers are on the way to save those who _______ in the mountains because of the heavy snow.
A. were trapped B. trapped C. are trapping D. are trapped
23. I was frightened to death. It was several minutes _______ I realized what was happening.
A. before B. since C. until D. after
24. She is determined to get what she wants, _______ she will have to wait 18 years for it.
A. as if B. only if C. if only D. even if
25. December is that time of year _______ we pack up our thoughts and prepare for the next year.
A. where B. that C. when D. which
26. — Owen just has had no luck with job-hunting. — _______. He should have worked harder in college.
A. Yes, I agree B. You are correct
C. No way D. I’m sorry, but I don’t agree
第二节完形填空 (共20小题;每小题1.5分, 满分30分)
阅读下面短文, 从短文后所给各题的四个选项 (A、B、C和D) 中选出可以填入空白处的最佳选项, 并在答题卡上将该项涂黑。
When I was small, my mom would use toast ( 土司面包 ) for dinner. I remember one __27__, after working all day, she still wanted to do something special for __28__. On that evening, my mom __29__ a plate of eggs, sausages and very burnt toast in front of my dad. I waited to see if anyone noticed. __30__ my dad just took his toast, __31__ at my mom and asked me how my day at school had been. Though I don’t __32__ what I told him that night, I do remember watching him put butter and jelly ( 果冻甜品 ) __33__ that toast. He ate it up __34__ , every single bite. After dinner, I remember hearing my mom say sorry to my dad for __35__ the toast. I’ll never forget what he said: “Honey, I love burnt toast.”Later that night, I went to kiss Daddy good __36__ . I asked him if he __37__ liked his toast burnt. He __38__ me in his arms and said: “Your Mommy worked very hard today. She’s really __39__ . And besides–a bit of burnt toast never hurts anyone!”
Life is full of imperfect things. __40__ is perfect. I’m not the best at anything. But I’ve learned something important over the years. We need to __41__ each other’s mistakes. We need to appreciate each other’s __42__. These two things are the keys to creating healthy, growing and lasting __43__. This rule goes for any relationship – friends, family, and even the people you __44__ on the bus. __45__ is the basis of everything, whether between a husband and wife, a parent and child or just between two friends. Don’t get __46__ if the toast gets burnt. Remember, burnt toast never hurts anyone. It’s the kind thoughts that count, and the people with those kind thoughts who make life worth living.
27. A. morning B. evening C. afternoon D. noon
28. A. herself B. dad C. us D. me
29. A. threw B. removed C. packed D. placed
30. A. But B. And C. So D. Or
31. A. shouted B. smiled C. laughed D. looked
32. A. recognize B. understand C. like D. remember
33. A. in B. beside C. on D. under
34. A. on purpose B. in relief C. as usual D. in a way
35. A. breaking B. burning C. softening D. boiling
36. A. night B. bye C. evening D. day
37. A. exactly B. really C. extremely D. quite
38. A. carried B. kept C. held D. controlled
39. A. tired B. caring C. stubborn D. determined
40. A. Everybody B. Nobody C. Anybody D. Somebody
41. A. accept B. know C. forget D. enjoy
42. A. shortcomings B. similarities C. successes D. differences
43. A. friendship B. power C. relationship D. attitude
44. A. meet with B. care about C. turn to D. deal with
45. A. Helping B. Ignoring C. Protecting D. Understanding
46. A. frightened B. upset C. amazed D. excited
第三部分阅读理解 (共两节 ; 满分30分)
第一节: (共10小题;每小题2分, 满分20分)
阅读下列短文, 从每题所给的四个选项 (A、B、C和D) 中, 选出最佳选项, 并在答题卡上将该项涂黑。
A
The accident happened just a few months after I picked up my new car. It was clearly not my fault ( 过错 ) . The other guy was so busy on his cell phone that he went right through a red light and ran into my car. My new and very beautiful car was destroyed. It was even frightening because my niece was asleep on the back seat and her father, my brother, was in the front passenger seat. He was not happy.
The police arrived and began taking statements. I explained that I had been going at about 55 kmph. “So you were going about 50 kmph…”he said.
“No, I said I was doing about 55 kmph, ” I said.
“Right, so you were doing about 50 kmph…”again he repeated.
In a slightly angry voice because I felt I wasn’t being heard, I said: “No! I was doing about 55 kmph!”
“OK, if that’s the way you want it, ” this time the offi cer simply replied.
I didn’t realize it at the time. The city speed limit is 50 kmph. My insurance company paid me for the damages to my car. However, I ended up getting 50 percent less than I would have from the other guy’s insurance company because I had insisted I was doing 55 kmph.
I thought about what had happened again. It suddenly struck me that the traffi c policeman had been trying to help me out. He had known something about the insurance that I had not. I might have insisted that I told the truth, but I could at least have said “Thank you” to him instead of acting so rudely.
Sometimes the hardest thing to do is to have a listening ear - let other people talk while you simply shut up and listen. Never forget - to hear, you have to be able to listen.
47. The writer was frightened because _______ when the accident happened.
A. the other driver was too careless B. his new beautiful car was destroyed
C. he had two passengers on his car D. he was making a phone call while driving
48. The policeman repeated the writer was going 50 kmph to _______.
A. question him on the city speed limit
B. help him to get out of the trouble
C. make him angry by ignoring him
D. show him he took careful statements
49. The most important lesson the writer learned from the accident is _______.
A. never to make a phone call while driving
B. never to make dishonest statements to police
C. to learn the details of the insurance items
D. to let others talk and be a good listener
B
Some desert animals can live through the summer heat and dryness because they are very unusual. The camel, for example, can experience and bear an increase in the temperature of its body and its blood of 9℃without anything bad happening to it. In addition, it can drink a lot of water at one time; then store enough water in its body to supply its needs for two weeks or more. The kangaroo rat ( 长鼻袋鼠 ) , on the other hand, gets all the water it needs from water that it produces when it breathes. However, most animals can’t bear it if their body temperature rises more than 5℃ . Nor can they store or produce water in their bodies like the camel and kangaroo rat. So, because of the high temperature of a typical summer day, most of them are active only in the night. Only after the sun has set does the desert come fully to life. The night is relatively cool, and the darkness provides protection, not only from the sun, but also from other animals and the birds. So the coming of darkness is the signal for most animals and insects to start again their search for water and food. When morning comes, most of them seek shelter again.
For many kinds of insects, living in the desert is easier than for animals. Like many desert plants, they have a waterproof skin which prevents water loss because of the high temperature. In addition, some insects spend all or most of their life below ground. Here, for most of the year at least, there is some water, and it is generally cooler than on the surface. In the case of ants, only grown-up ants leave the underground nests ( 巢穴 ) , and they do soonly to gather food or to defend the nest against attack.
50. The camel and the kangroo rat are different from other animals in that _______.
A. they are animals not usually seen in the desert
B. they can bear a great increase in body temperature
C. they can get the water they need through breathing
D. they can either store or produce water in their bodies
51. The desert is full of life _______.
A. when animals look for food and water at summer nights
B. when it is morning and everything becomes active
C. when dangerous animals and birds sleep in the summer sun
D. when it is evening and animals begin to look for shelter for safety
52. The underlined word “waterproof” in the last paragraph means _______.
A. something that keeps you dry in wet weather
B. something that stops water passing through
C. something that gets damaged by water
D. something that tells you that you need water
53. Which of the following might serve as the best title for the passage?
A. Living Actively at Nights in the Desert.
B. Looking for Food and Water in the Desert.
C. Surviving Heat and Dryness in the Desert.
D. Finding Shelter from Enemy in the Desert.
C
Mountains & Valleys Tour
This 8-day tour takes you up and down, through coffee country, tobacco fi elds and farms. You’ll travel from the land of horses and cowboys to the ground that produces some of the country’s sweetest fruit, seeing high hilltops to Central America’s largest body of water.
Destination ( 目的地 ) : Managua, Nicaragua
Trip Length: 8 days
Price: From $1750 to $1850 per person
Age: 7 to 65+
Do It Yourself W-Trek
This do-it-yourself hiking is so designed that you need walk to the lookout point to the famous Towers, the rushing French river and the hanging glaciers, sleeping in mountain hotels. And of course, it takes plenty of strength.
Destination: Santiago, Chile
Trip Length: 11 days
Price: From $1850 to $2050 per person
Age: 18 to 65+
Society Islands, Tahiti
The islands of Tahiti in the South Pacifi c offer tourists a great destination. From our Tahiti hotels, sail out and enjoy the 118 islands. With high mountains, white sand, blue houses and green waters, this island has something for everyone.
Destination: Tahiti, French Polynesia
Trip Length: 7 days
Price: From $4000 to $6000 per person
Age: 6 to 65+
City Tour around Italy
Italy is perfect for those who enjoy the arts, architecture, breathtaking scenery, and beautiful beaches. Thejourney begins with Venice or Milan, then Florence and Rome. A quick train ride will get you to the beautiful waters at Amalfi Coast. Your last night will be spent in Naples.
Destination: Amalfi Coast; Florence; Naples; Rome; Venice; Milan, Italy
Trip Length: 16 days
Price: From $2500 to $ 3500 per person
Age: 8 to 65+
54. With a week to afford for a vacation, Willie will fi nd the trip to _______ best suits his schedule.
A. Santiago, Chile B. Tahiti, French Polynesia
C. Italian cities D. Managua, Nicaragua
55. The Jones are taking their nine-year-old son on an art trip, they would probably choose “_______”.
A. Mountains & Valleys Tour B. Do It Yourself W-Trek
C. Society Islands, Tahiti D. City Tour around Italy
56. Older people might refuse to consider Do It Yourself W-Trek because _______.
A. the price is too high B. the trip lasts a bit long
C. the hiking is tiring D. the age limit is loose
第二节 (共5小题;每小题2分, 满分10分)
阅读下面短文。根据短文内容, 从短文后的选项中选出能填入空白处的最佳选项。选项中有两项为多余选项。 (注意:选E涂AB;选F涂AC;选G涂AD)
D
Effects ( 影响 ) of Television
Television affects the way people spend their time and what and how they learn. Some scientists believe TV has a greater infl uence on young people than on adults ( 成人 ) .
●Effects on free time
A typical ( 典型的 ) adult spends more time watching TV than doing anything else except sleeping and working. ___57___ It takes time away from other activities of adults, such as reading, conversation, social gatherings, and exercise.
●Effects on learning
Television is of great help to what home viewers learn. ___58___ However, TV also may add to people’s bad impressions of the world.
1. ___59___
No communication system has ever provided so many people with new experiences as television has. Without leaving their homes, TV viewers can see how people in far-off lands look and live. Television takes viewers to deserts, jungles ( 丛林 ) , and the ocean f loor. A TV viewer can see how a famous actor performs the role of Hamlet…
2. Harmful impressions
Television programs often show people who lead more wonderful lives and are richer than most of us. ___60___ As a result, the expectations of us are raised. One harmful effect results when people fail to achieve the success they see on TV.
●Effects on young people
___61___ Parents have long been concerned about the amount ( 数量 ) of time young people spend watching TV. Studies have connected watching a lot of television with poor performance in school. However, some experts don’t believe that TV viewing actually causes students to perform poorly.
A. Enriched experience
B. Fast communication
C. It improves people’s learning by widening their experience.
D. Watching television improves the students’ performance in school.
E. There is little agreement about how television affects young people.
F. In addition, TV advertisements try to persuade us to buy many unwanted goods.
G. Watching television may be the most time-costing free-time activity among adults.
第 II 卷 (共 56 分)
听力:非选择题部分 (共4小题。每小题1.5分, 满分6分)
第四部分:填空 (共三节, 满分20分)
第一节:单词拼写 (共5小题。每小题1分, 满分5分)
根据下列句子及所给汉语注释, 写出空缺处各单词的正确形式。 (每空只写一词)
66. She gladly gave up her part-time job and_______ ( 专心于 ) herself entirely to her art.66. ___________
67. The government sent millions of dollars’ _______ ( 价值 ) of supplies to the disaster-hit area. 67. ___________
68. Women and girls must be treated _______ ( 平等地 ) if a country is to grow. 68. ___________
69. This year, Buick got the fi rst place as the most _______ ( 可靠的 ) car in the world. 69. ___________
70. It will take the scientists six weeks to _______ ( 探测 ) the underwater mountains. 70. ___________
第二节:完成句子 (共5小题。每空1分, 满分10分)
根据所给汉意, 补全下列英文句子, 每空只填一词。
71. 让我们携手保护濒危物种, 使其不致灭绝。
Let’s work together to ________ endangered species ________ dying out.
72. 直到多年以后我才见到了保罗。
________ wasn’t until after many years ________ I met Paul.
73. 戴茜仍在和双方商谈以寻求解决问题的方法。
Daisy is still talking to both sides ________ ________ of a way to solve their problem.
74. 最终决断前你一定要花时间去真正地了解他。
Take the time to really learn about him before you ________ ________ your mind.
75. 她在以前的生活中从来没有经历过这样的困难。
Never before in her life has she _______ _______ such diffi culties.
第三节:短文填空 (共5小题。每小题1分, 满分5分)
在短文的空白处填入合适的单词, 使短文意义完整, 逻辑通顺。答案写在短文后面的指定位置。 (每空只填一词)
Do you know why English has changed over time? Actually all languages change and develop. Old English was very different from the English spoken today. It was 76 more on German than the English we speak at present. Then, English gradually became 77 like German because the settlers, who spoke fi rst Danish and later French, 78 Britain between about AD 800 and 1150. These new settlers enriched the English language and especially its vocabulary. By the 1600’s Shakespeare was able to make 79 of a wider vocabulary than ever before. Finally by the 19th century the language was settled. Now, English is also spoken 80 a foreign or second language in many parts of the world.
76. ________ 77. ________ 78. ________ 79. ________ 80. ________
第五部分:写作 (共两节, 满分30分)
第四节:短文改错 (共10小题;每小题1分, 满分10分)
读下面的短文, 文中共有10处语言错误, 每句中最多有两处。每处错误仅涉及一个单词的增加、删除或修改。
增加:在缺词处加一个漏字符号 (∧) , 并在其下面写出该加的词。
删除:把多余的词用斜线 () 划掉。
修改:在错的词下划一横线, 并在该词下面写出修改后的词。
注意:1. 每处错误及其修改均仅限一词。
2. 只允许修改10处, 多者 (从第11处起) 不计分。
3. 必须按答题要求做题, 否则不给分。
Hi Susan,
We’re planning a party for Xiaoming’s birthday, that will be held at 8 pm this Friday after the evening classes. We’d like to invited you to the party. We want to give him a surprise, so please keep quietly about it. We’ll gather at the Students’ Club, and each of them will prepare a little present. When he comes, and we’ll light the candles and sing “Happy Birthday” together for him. Then the cake will cut and we’ll sing several song and play games. The party is going to last about a hour. It’ll be nice to see how exciting he will be. I’m sure you would have a good time at the party, too.
Yours,
Li Hua
第五节:书面表达 (满分20分)
最近, 某英语报社就要不要继续寻找丢失的琥珀屋 (Amber Room) 展开了讨论。请你就以下要点写一篇短文 :
1. 它由精选稀有的琥珀制成, 并用金子和珠宝加以装饰。
2. 它的设计风格奇特, 具有很大的艺术学习价值。
3. 它是珍贵文化遗产, 具有历史研究价值。
4. 寻找的过程也是研究的过程, 所以值得寻找。
注意:1. 可以根据要点适当增加细节, 字数80左右。
2. 开头已给出, 不计入总词数。
Recently, we had a discussion about whether we should continue to search for the Amber Room. ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
附参考答案
I 卷
听力:1. B 2. C 3. A 4. C 5. C 6. C 7. B 8. B 9. A 10. C 11. C 12. A 13. A 14. A 15. B 16. C
单项选择:17. A 18. C 19. A 20. C 21.B 22.D 23. A 24. D 25. C 26.D
完形填空:27. B 28. C 29. D 30. A 31.B 32. D 33. C 34. C 35. B 36. A 37. B 38. C 39. A 40. B 41. A 42. D 43. C 44. A 45. D 46. B
阅读理解:47. C 48. B 49. D 50. D 51. A 52. B 53. C 54. B 55. D 56. C 57. G 58. C 59. A 60. F 61. E
II 卷
62. stadium 63. transport / transportation 64. English 65. Green
(62-65小题旨在考查学生在听中获取信息的能力。建议:62、63题中如有一个字母的拼写错误, 或64、65题中首字母小写, 可给分。)
66. devoted 67. worth 68. equally 69. reliable 70. explore
71. protect…from 72. It…that 73. in search 74. make up 75. gone through
76. based 77. less 78. ruled / governed / controlled 79. use 80. as
短文改错
Hi Susan,
We’re planning a party for Xiaoming’s birthday, will be held at 8 pm this Friday afterthe evening classes. We’d like toyou to the party. We want to give him a surprise, so please keepabout it. We’ll gather at the Students’ Club, and each ofwillprepare a little present. When he comeswe’ll light the candles and sing “HappyBirthday” together for him. Then the cake willcut and we’ll sing severaand playgames. The party is going to last abouthour. It’ll be nice to see howhe will be.I’m sure youhave a good time at the party, too
Yours,
Li Hua
书面表达
One possible version
Most ofus think it is well worth doing. Firstly, several tons of rare amber were selected to make the Amber Room, which was also decorated with gold and jewels. Secondly, the design of the room was in such a fancy style that artists today can learn a lot from it. In addition, as a cultural relic, it is of great value to the study of history. Finally, while searching for it, we are also doing a kind of research. So there is no doubt that we should continue our search.
听力录音稿
Text 1
M: Excuse me, can you tell me if this bus goes to Park Square?
W: Sorry, I’m afraid I can’t. I’ve only been here a few weeks myself.
Text 2
W: Why do you still lie in bed? Just look at the rubbish all around you.
M: You shouldn’t speak like that. I feel a bit sick today.
Text 3
W: When will we be arriving in London?
M: We still have to fl y another forty minutes before we arrive at Gatvick.
Text 4
M: If you’d like to go to the concert this Friday, my sister will give me two tickets for tomorrow.
W: Thank you, but I promised my friend that I’d watch her children.
Text 5
W: I’m not feeling so well.
M: Get some rest and take these three times a day and you will feel better. If you don’t, come back and see me.
Text 6
M: Hi, Lily. Is there anything I can do for you?
W: Oh, yes. I’d like to send a postcard to my grandparents. Where’s the post offi ce?
M: I’m going to the post offi ce after school. Shall I post it for you or shall we go together?
W: Let’s go together then. Tomorrow is my birthday. Will you come to my birthday party?
M: Wow, how great! I’d love to. I will bring you a gift.
W: Thanks. Oh, by the way, I don’t have many friends yet. Would you like to bring your friends too?
M: That will be wonderful. I’ll ask my best friends to join us. Can we gather at 6 pm after the classes?
W: Better a little later, say, 6:15 at the hall?
M: OK. We’re sure to have a good time.
W: Thanks a lot.
Text 7
M: It has been proved that animals and insects have their own languages.
W: Really? Tell me more!
M: Well, their languages are not like ours. They have no letters or characters.
W: Then how do you decide what they are?
M: It depends on what you see and hear. For example, bees can talk by dancing.
W: I see. I’m always wondering why my dog barks in certain ways. If I knew his language, I would get along with him better!
M: Actually you can. Someone in Japan has invented a machine to translate a dog’s bark.
W: Great! I’ve got to buy one — I hope it won’t be diffi cult to buy a machine like this.
Text 8
W: Hi, Sam, what do you think? We can go to the ruins today. We can also go to the ruins tomorrow.
M: Let’s go tomorrow. The students are all too tired today. One said that the room was not clean and that it was not very comfortable, either.
W: Well, I think the rooms are very clean and comfortable and I have slept very well in mine. Did you notice that Marco and Peter didn’t come to the talk?
M: I suppose they were tired, but that’s not a very good excuse. Well, after visiting the ruins tomorrow, we can then have a rest. We can go to the Indian Restaurant.
W: Good idea! That’s a very popular restaurant. I’m sure our students will like it.
Text 9
W: David, do men help out while women cook in your country?
M: I think it’s changed a lot over the years. Now, men are supposed to help cook and clean.
W: Does your father cook at home?
M: No. Usually, my mom makes the meals. But actually, what I fi nd interesting is that many young husbands will help cook.
W: That’s interesting. What about you, David? Do you cook at home?
M: Well, I don’t know how to cook. The best cook in our family is my dad, actually. And he actually used to get home earlier than my mom. So he would do most of the cooking.
W: Did you ever want to learn cooking?
M: No, I’m quite ashamed. I never did really learn cooking from my parents. Did your mother show you how to cook?
W: She did because she wanted me to learn more about her mother country, but it’s so diffi cult to cook Chinese meals.
Text 10
When choosing a city to host the Olympics, there are certain things we need to consider. The fi rst is the sports facilities. The city must have an Olympic stadium and also has to provide fi rst-class training grounds. The chosen city should also have plenty of good hotels and must have an international airport nearby.
The city itself should be clean and public transport ought to be fast and convenient. If there were lots of good restaurants in the city, this would make it more attractive.
保险公司登陆A股困局何在? 第4篇
据悉，国内几大保险公司，如新华人寿、泰康保险、太平洋保险等均有上市的意图。其中，新华人寿更是成为保监会在去年“钦点”上市的企业。
然而，事过境迁，两年的喧嚣却只换来一声叹息的无奈。
与此同时，天安、大众、泰康等保险公司，纷纷推迟了上市计划。早在2002年时，泰康还曾表示要在2003年上市，但泰康人寿董事长兼首席执行官陈东升去年接受采访时称，泰康3年内不考虑上市，上市将2006年之后的事情。
是什么牵绊保险公司登陆A股市场呢？
搁浅的新华人寿
国务院2000年颁布的《保险公司管理规定》中明确指出：“保险股份有限公司向社会公开发行新股，应当遵守《公司法》及国家证券监管的有关规定”。这意味着保险公司上市在政策和制度层面已经没有顾虑和障碍。监管部门也多次表示，鼓励符合条件的保险公司上市。
同时，国内已有太平洋、新华人寿、华泰、大众等多家保险公司表露过其上市意向，其中部分公司已经结束了改制辅导，进入上市申请阶段。其中以新华人寿最为积极。然而，新华人寿上市需要突破两大掣肘：发行价格和筹资规模。
记者调查得悉，新华人寿2003年的每股收益约在0.03—0.05元之间，目前A股市场IPO价格一般限定在20倍以内，因此即使按20倍的市盈率计算，新华人寿IPO价格每股也只能限定在0.6—1.0元之间。可是，这却触及了证监会的相关规定，股票发行价格不得低于一元面值。
这一事实，成为横亘在新华人寿上市之路上关键问题。尽管另一个现实如影随形，这样的价格距离新华人寿每股8—10元的计划发行价格相去甚远。
新华人寿的发行价格对发行规模也产生了巨大影响。
“这两个问题从某种意义上讲是相互关联的，价格是核心，它决定着一切，包括最终的筹资规模。”投行人士直言。
日前，证监会对申请首发（IPO）公司的募集资金量上限作出明确规定：扣除老股东独享的滚存未分配利润后，不超过净资产值的两倍。这意味着，今后单只新股的融资额将出现明显下降。
目前新华人寿的净资产在13—15亿之间，因此，考虑到上述规定，其发行规模最多只能是26—30亿之间，和其设想的40 亿规模相去甚远。
困境何在
从保险公司“上市”的目的来看，总体有三大好处：可以通过快速募集资金充足资本金，提高偿付能力；通过上市成为公众企业后，保险公司的经营和治理会受到市场监督而趋于规范化，有利于保险业的良性发展；保险公司上市后出于业绩压力，会开发出更多贴近市场的保险产品，以增强市场竞争力。
但另一方面，传统的市盈率估值法对寿险行业定价有很大的局限性。对一般行业而言，通常情况下，现有利润的多少在很大程度上反映了公司未来的盈利能力，从而一般情况下市盈率估值能较好地反映一个公司的价值。而人寿保险公司由于寿险行业的固有特征，其当前会计报表上的利润不能反映公司的长期盈利能力及其实际价值。
通常，股票发行价格是按每股净收益乘以当前市场认可的市盈率，但保险公司却是个例外。如何为保险类股票定价，这是令保险公司、投行业务人员为难的事。
特别是寿险行业具有自身特点。按世界各国保险公司的经营规律，寿险公司一般要经过5-8年的正常业务亏损期后才开始盈利。该类公司在成立之初的投入非常大，利润的体现通常在5-10年之后。主要原因是公司需要大量资金进行分支机构铺设、保险产品的研制开发、保险代理人的招聘培训、保单佣金的支付等等。虽然保险公司的经营周期比一般生产型企业长，但是，一旦渡过设立初期阶段进入稳定阶段后，公司将会形成稳定的利润来源，这是其他行业没有的优势。这主要因为多数保费收入是采取年缴的方式，在保单签定后未来数十年间陆续回到公司，保费收入的实现不是一次完成；而大部分费用在保单的初期已经摊销，因此随着业务的开展、新保单的签定，公司会不断收到续期的保费收入，从而形成稳定的利润来源。只要寿险产品的设计合理，寿险公司将保持长期稳定经营，并保证其安全性和利润的稳定性。因此，保险业具有投资需求大、经营周期长、利润率稳定等特点。
而到目前为止，新华人寿仅仅成立、运作8 年，“丰收期”尚为到来。
基于寿险公司不同于一般工业企业的经营模式，寿险公司的会计处理也体现出自身特点。业内人士表示，寿险行业具有自身特点。因此，在股票定价上就要“与众不同”——通常的股票定价建立在财务指标基础上，普通企业通行以市盈率法定价。且其定价有个隐含的假设，即每年的预期收益相对稳定。但是，根据寿险公司自身特点，每股收益的水平可能非常低，按确定市盈率计算的发行价格不能真实反映寿险公司自身的盈利能力和成长性，因此，采用内在价值法或评估价值法比较适宜。而且寿险行业盈利周期较长，在一个周期内，年收益率大幅波动，无论以哪一年的收益来计算股票价格都会与事实大相径庭。因此，对保险公司要考虑整个盈利周期的资产、收益变化，对每股内在价值、上市定价进行客观的测算和评价。
该人士继续解释，内在价值是考虑了公司现有保单现在价值和现有保单未来能够带来的的价值之现值的总和，即现有业务价值；而评估价值还包含了公司在一定预期下的增长所带来新保单的价值的现值，即未来业务价值。可见，内在价值和评估价值是评价寿险公司的重要指标。
不过，目前常用的类比定价在对寿险公司股票定价时基本不能适用。其一，目前沪深两市没有保险公司上市；其二，非保险类金融公司作为类比公司也并不合适。因此类比指标难以选择。
精算评估方法是目前国际上寿险行业运用得较多的评估保险公司价值的方法，即建立在折现现金流（DCF）方法基础上、运用精算方法进行计算的估值方法。该方法不但考虑了保险业务收入与支出的长期性与不平衡性，比较精确地计算了公司现有业务的价值，而且能有效估算公司的长期价值，因此，该方法能较全面科学地估算寿险公司的价值。该方法所得出的价值，不仅是精算师决定保险公司交易价格的基础，也为保险业分析师所广泛采用。
根据金融资产定价理论，一笔资产的价格取决于它能带来的预期收益。举个简单的例子，如果该资产每年能带来3.96元的收益，那么一年期定期存款利率为1.98%时,它的价格应该是200元。通常的股票定价便是建立在这个基础之上，但其有个隐含的假设，即每年的预期收益是相对稳定的。而保险行业的特殊性便在于其盈利周期较长，在一个周期内，年收益率是大幅波动的，无论以哪一年的收益来计算股票价格都会与事实大相径庭。“精算师估值系统”便是考虑了整个盈利周期的资产、收益变化，对每股内在价值、上市定价进行客观的测算和评价。不过，该方法能否得到国内监管部门和市场及投资者的认可还有待验证。
举个例子，香港盈科保险集团（Pacific Century Insurance Company Limited），该公司股票于1999年发行,发行价格6.28港元，等于精算师价值评估报告确定的发行后每股内在价值的1.6倍。
境外模式
“总体来说，平安保险(2318-HK)的上市非常成功，在香港IPO是令人满意的。”去年的6月25日，平安保险正式挂牌后的24小时，此次发行的主承销商，摩根士丹利（Morgan Stanley）亚洲区主席兼首席执行官文礼信如是评价。
2004年6月24日，平安保险IPO终于完成，筹资143亿港元，共发行13.88亿股H股，约占该公司总股本的22.4%，集资规模为今年以来全球第六大，也是香港今年以来规模最大的首次公开募股。
备受市场人士关注的平安保险IPO定价为10.33港元。
然而，平安保险在首日表现平平，开盘后一度跌穿招股价，全天仅微幅上涨0.7%，大大出乎市场人士此前的预期。
市场的疑问浮出水面：平安保险的定价合理吗？而与此相伴而生的是：在未来的一年中，将有大量的国内保险公司上市，他们的定价该何去何从？
“平安保险的定价还是比较合理的。尽管股价表现不佳，但从融资的角度说是成功的。”中央财经大学保险系主任郝演苏表示，“保险公司上市一般都要采取内在价值法，伴随着国内保险公司，像新华人寿等上市热潮的来临，证监会还专门派人到美国了解了相关的知识。”
内在价值法，这个陌生的词汇伴随着保险公司上市的潮涌逐渐被人们所熟悉。
瑞银投资集团（UBS Investment Bank）股票资本市场中国部有关人士指出，“事实上，就内在价值究竟应该怎样评估，以及如何具体去界定内在价值，在保险行业内部和投行业内存在着很大的争议，况且，由于评估的基础是建立在一系列的假设的基础之上，一个微小的数据变化也会引起很大的连锁反应。”
实际情况也印证了这种看法。事实上，从精算师报告，也可看出与中国人寿保险股份有限公司(2628.HK, 简称：中国人寿)相比，平安保险估算其内在价值的假设条件都相对乐观。
在平安保险估值中，假设2004年的投资回报率为每年4.0％，其后每年增加0.25％，到2008年增到5％，之后保持不变。
中国人寿则列出两种假设，较为保守的假设是2003年起投资回报率为3.64％，此后缓慢上升，直到2022年以上才达到4.99％；较为乐观的假设则是自2003年起，到2008年增至4.4％，到2012年达到5％。
此外，对保单失效和退保率、保单维护费用的假设，两家公司也均有不同。这固然意味着精算师对两家公司的投资回报能力估计不同，但也反映了对未来预测方面的程度差异，从而直接导致对公司内在价值认定的不同。
平安保险的IPO价格是其内在价值（Embedded Value）的1.95倍，P/E值大约为22倍。相较之下，中国人寿 IPO价格是其P/EV值为1.45倍，低于平安保险。
根据数据供应商Thomson Financial提供的数据，平安保险的募股价相当于该公司2004年预期每股收益的24.7倍。而其竞争对手中国人寿和中国人民财产保险股份有限公司( 2328.HK，简称中保财险)在平安保险上市时的股价分别是各自2004年预期每股收益的17倍和15倍。
对此，参与了平安保险上市全过程的摩根士丹利有关人士解释，平安保险的内涵价值比中国人寿要高。因为，在估值的时候要看公司的所有方面，不仅看盈利，还要看盈利的质量。“所以，如果光看这一比例也许还要稍高一点。”
摩根士丹利有关人士强调，由于平安保险不可能像中国人寿上市那样受到很多政策的照顾，“中国人寿是把原来保单剥掉了，而平安保险没有剥离。”因此，从已有业务价值看公司整体估值就不是特别准确。所以，很多投资者也看其他各项指标，比如新业务的估值。把这些因素结合在一起，就跟投资者的预计，市场的期望和大家认为比较公平的价值符合了。
“我觉得，估值不能直接地拿一个指标比，但整体来说，我们觉得平安保险的估值还是反映了投资者对它价值的期望，从后来市场的表现来说，也可以看出跟投资者的面貌还是比较一致的。”摩根士丹利有关人士指出。
业内人士指出，评价保险公司的真实价值应该是内在价值和评估价值（也称经济价值），而不完全依据其财务指标，但二者并不矛盾，传统的利润指标是描述现在公司所创造的价值，内在价值是考虑了公司现有保单现在价值和现有保单未来能够带来的的价值之现值的总和，即现有业务价值；而评估价值还包含了公司在一定预期下的增长所带来新保单的价值的现值，即未来业务价值。可见，内在价值和评估价值是评价寿险公司的重要指标。
从这个意义上讲，平安保险的新增保单质量如何就构成了内在价值评估高低的一个重要指标。
上市是解决问题的唯一途径吗
保险公司最需要钱——上市给保险公司带来的最直接、最基本的收益就是能够拓宽资本融资渠道，充分利用资本市场筹集资金，进而补充资本金，提高承保能力和偿付能力。
专家指出，通过上市拓宽资本渠道可以提高保险公司的偿付能力。20世纪90年代以来，中国保险业采取了数量扩张型的战略，保费收入连创新高。1997年底之前，各公司寿险产品的预定利率一直为央行给定的8%左右，1997年底，央行将寿险产品的预定利率调整到4%—6.5%的范围。与此同时，银行利率大幅下调，使得保险产品的预定利率大大高于了银行利率。又加之我国对保险资金运用的渠道一直严格限制。保险公司的资产收益率与银行利率高度相关。由保险公司资产与负债差额反映的偿付能力严重下降，甚至寿险公司资产小于负债，所有者权益为负数。据统计，1996年之后，由于降息和利息税的原因，使寿险公司实际利率和预定利率差额平均高达3%，造成了保险公司的资本金的缺乏，偿付能力的下降。2003年，中国人保、中国人寿上市筹集巨额的资金一举弥补了资本偿付能力不足的困扰，就是最好的例证。由此，新华人寿等也纷纷酝酿在海内外上市，通过筹集巨额资金为其发展增添后劲。
其次，通过上市融资可以短期内迅速提高保险公司的承保能力。在2002年修订并开始实施的《保险法》第99条规定：“经营财产保险业务的保险公司当年自留保险费，不得超过其实有资本金公积金和的四倍”；第100条规定：“保险公司对每一危险单位，即对一次事故可能造成最大损失范围所承担的责任，不得超过其实有资本金公积金总和的百分之十。”这意味着当公积金短期内无法改变时，保险公司的承保能力是与其资本金成正比的。资金数额越大，它的承保能力就越强，在市场上的竞争力就越大；反之，资本金数额小，即使面对优质客户，也可能因为这项业务所需的资本金要求无法满足而不能接受，或者被动的选择再保险以降低风险自留额，这势必限制了业务的拓展。保险公司的上市，能够在短期内迅速进行资本的集中，相应地提高承保能力，保险公司也就有可能获取更多的利润。国外很多成功的保险公司都是通过上市，利用资本市场实现资本的追加而拓展业务发展空间，实现跳跃式发展的。
“然而，在 IPO 上市的漫长过程中所要花费的大量精力，往往令企业的高级管理层望而生畏。同时，想要对企业进行重大改革，在放松管制的市场中实现竞争力的大幅飞跃，需要付出巨大的努力。要做到这一点也并非易事。”波士顿咨询全球副总裁、董事彭礼定指出，“众多中国的保险公司正考虑通过上市来改善企业的资本情况。其实除了上市之外，还有不少方法可供选择。”
他解释说，过去三年的时间里，那些没有选择上市的小型保险公司，特别是那些具有海外伙伴的小型保险公司，都大大提升了自己的职业水准。而除了平安保险之外，所有上市公司无一能赶上保险市场发展的脚步。上市解决了企业的短期资本需求，而未来的增长则有赖于企业盈利能力的大幅提高。这一点只有通过改革，通过建立一套可持续发展的、具有竞争力的商业模式才能实现。在 IPO 之后，企业的股价变化情况都十分类似。为了防止出现认购不足，上市股票的初始定价都比较低。因此在上市的第一天就会出现股价飙升。此后，股票价格趋于体现企业的长期价值。这取决于中国经济的预期未来增长率和企业竞争能力的预期增长程度。由于越来越多的投资者认识到，转瞬即逝的股价上扬难以持久，而且保险企业的分销成本也居高不下，股价曾出现过一些调整。
散打试卷A卷答案 第5篇
二00 ————二00 学第 学期 《散打》试卷（A）参考答案及评分标准体育与健康学院 专业 年级 班 教师姓名：
一、名词解释（每题5分共10分）
1、实战练习是指两人按照一定的规则进行的对抗练习，它是检验和提高技术、战术的重要方法，也是积累实战经验的有效措施。
2、靠身是指通过身体向前挤靠的办法将对方摔倒。如抱腿搂腿摔法，除子应用抱腿和搂腿的技法外，必须配合身体向前挤靠对方，效果才会更好。
二、填空题（每空一分，共30分）
1、后脑、颈部、腹部。（3分）
2、精武体育会（1分）
3、前（1分）
4、过分前俯（1分）
5、左勾拳（1分）
6、美国（1分）
7、头部、躯干、大腿、小腿（4分）
8、上体、大腿、小腿、脚掌（4分）
9、向后（1分）
10、大腿（1分）
11、膝关节（1分）
12、90（1分）
13、下沉（1分）
14、裆部（1分）
15、快（1分）
16、长（1分）
17、前移（1分）
18、佯攻巧打（1分）
19、外展（1分）20、60、800、800（3分）
三、判断题。正确的打√错误的打×（每题2分，共20分）
1、×（2分）
2、√（2分）
3、√（2分）
4、√（2分）
5、×（2分）
6、√（2分）
7、√（2分）
8、√（2分）
9、×（2分）
10、√（2分）
四、选择题（每题2分，共10分）
1、A（2分）
2、C（2分）
3、A（2分）
4、C（2分）
5、C（2分）
五、思考题（每题15分，共30分）
1、答题要点：（注：按以下六点进行简单分析可得全分）（1）要以武德为先（2）要持之以恒（3）要循序渐进（4）要充分作好准备活动（5）要合理安排运动量（6）要适当做整理活动
2、答题要点：（注：各小点进行简单分析方可得全分）
园林苗圃试卷A答案 第6篇
一．名词解释
1.结实间隔期：是指其相邻的两个大年之间相隔的年限
2.播种品质：指种子纯净、饱满、千粒重大、生活力强、发芽率高的品质。
3.遗传品质：是指种子保持原来的速生、丰产、优质的品质。4.种实调制：是指种实采集后,为了获得纯净而质优的种实并使其达到适于贮藏或播种的程度所进行的一系列处理措施 5.净种：将种子进一步纯化的过程。
6.种子含水量：种子含水量是种子中所含水分的重量与种子的重量的百分比。
7.整形：指用剪、锯、捆绑、扎等手段使幼树长成栽培者所希望的特定形状，提高其观赏价值。
8.修剪：指对树木的某些器官加以疏删或剪截，以达到调节生长，开花结果的目的。
9.分株繁殖：是将植物营养体从母株分离单栽借以繁殖植株的一种繁殖方法。
10.容器育苗：就是将培养土或培养基质装入器皿内繁育苗木的方式。二．填空题（每空0.5分，共15分）1.常用的药剂可分为（杀菌剂）和（杀虫剂）。2.基肥的种类有(堆肥)、(厩肥)、(绿肥)。
3.播种苗的第一个年生长过程，可分为(出苗期)、(幼苗期)、(速生期)、(苗木硬化期)。4.播种方法有(条播)、(点播)、(撒播)。5.嫁接方法有(枝接)、(芽接)、(根接)、(叶接)。
6.植物组织培养根据外植体不同，可分为(胚胎培养)、(器官培养)、(组织培养)、(细胞培养)、(原生质体培养)。
7.按除草剂作用方式可以分为（灭生性除草剂）和（选择性除草剂）。8.土壤灭菌杀虫常用的药剂有(硫酸亚铁)、(敌克松)、(福尔马林)。9.苗木分级主要依据(苗高)、(胸径)两个方面。
10.无土栽培即(不用土壤)是(用化学溶液或栽培基质培养苗木)的方法
三．判断题（每题1.5分，共15分）
1.嫁接繁殖中，砧穗亲和力是影响其成活与否的先决条件。（√）2.刺槐种子浸种时水温可达90℃。（√）3.萘乙酸是细胞分裂素。（X）
4.净度与种子的贮藏时间（寿命）没有关系。（X）5.所有树种的结实都有大小年现象。（X）
6.播种之前，要对播种沟的沟底进行镇压，其作用是接通沟底毛细管。（√）
7.扦插后应立即灌足第一次水，以后应经常保持土壤和空气的湿度。（√）
8.松类种子达到生理成熟时采集。（X）
9.对富含脂肪有香味的种子，如松、柏等，可装入不带盖的容器中,因此这种香味可以驱除鼠害。（X）
10.嫁接针叶树时，一般采用共砧嫁接。（√）
四.选择题
1.适宜秋播的种子是（C 山桃）． 2.木兰的播种床垄为（A 高床）．
3.用硫酸亚铁进行土壤消毒时,一般使用的浓度为(A 2-3%)。4.龙爪槐修剪多用（B 重短截）．
5.切接法一般适合于(B、砧木较小，接穗较小)时的嫁接。6.适宜高水温浸种的种子为（D 皂荚）． 7.适宜低水温浸种的种子为（C 侧柏）． 8.月季属于（A 愈合组织生根）．
9.种子真正成熟的含义是(D.形态和生理均成熟)10.对难生根的植物扦插状态应为（B 生长状态）．
五、简答题 1.营养繁殖的意义。
答：（1）能够保持母株的优良性状。（2）对园林植物中不能结实的种或品种，可用营养繁殖法繁衍后代(3)繁殖速度快，尤其是组培育苗获得成功以后，繁衍系数得到了极大提高。
2.常用种子的催芽的方法？
答：
1、用水浸种
2、机械损伤
3、化学处理
4、层积催芽
5、其他处理
3.苗木越冬防寒的方法有哪些？
答：l.埋土防寒 2.风障防寒 3.灌冻水防寒 4.假植防寒 5.塑料薄膜包裹防寒 6.塑料大棚防寒 7.涂白防寒 8.活窖防寒
4.种子品质检验有何意义？
答：1.通过种干净度测定可以解决夹杂物情况，进一步净种。2.通过发芽率测定，可知种子发芽情况，为播种提供依据。3.通过测定种子重量可以判断种子的适用程度4.遗过合水量测定可以进行贮藏和保证种子安全。5.通过检验划分等级。6.通过检验可以防治病虫害的传播。
5.接穗与砧木的选择着重考虑什么。