标题: 蓝皮的一套题~关于假设的 [打印本页] 作者: orchid347 时间: 2011-7-25 00:06 标题: 蓝皮的一套题~关于假设的 Technically a given category of insurance policy is underpriced if, over time, claims against it plus expenses associated with it exceed total income from premiums. But premium income can be invested and will then yield returns of its own. Therefore, an underpriced policy does not represent a net loss in every case. The argument above is based on which of the following assumptions (A) No insurance policies are deliberately underpriced in order to attract customers to the insurance company offering such policies. (B) A policy that represents a net loss to the insurance company is not an underpriced policy in every case. (C) There are policies for which the level of claims per year can be predicted with great accuracy before premiums are set. (D) The income earned by investing premium income is the most important determinant of an insurance company’s profits.（E） (E) The claims against at least some underpriced policies do not require paying out all of the premium income from those policies as soon as it is earned. 感觉这题还考人长难句分析啊，好费解。。。哪位可以分析下这题的大致意思和为什么选E吗，多谢作者: 塔罗牌 时间: 2011-7-25 00:20
我的理解是 反正怎么着吧（估计就是保险公司赔的钱）超过了它所有的保金收入，那么这个保险产品被叫做UNDERPRICED （它就是先定义了一下什么叫UNDERPRICED 的INSURANCE POLICY） 然而 保险公司收到的保金呢 这个保金本身可以被拿去投资 从而又挣得一笔钱 因此 一个UNDERPRICED的保险产品 并不定意味着净亏损
(A) No insurance policies are deliberately underpriced in order to attract customers to the insurance company offering such policies. 保险产品是不是要UNDERPRICED来吸引顾客 这属于无关选项 (B) A policy that represents a net loss to the insurance company is not an underpriced policy in every case. 文章只说了一个UNDERPRICED INSU POLICY不见得是LOSS 没有说一个LOSS的保险产品是不是UNDERPRICED (C) There are policies for which the level of claims per year can be predicted with great accuracy before premiums are set. 可以预测顾客有多大可能性来要钱（就是遇到事故了来找保险公司，中文我说不来）这也是无关的 (D) The income earned by investing premium income is the most important determinant of an insurance company’s profits.（E） 无关的 (E) The claims against at least some underpriced policies do not require paying out all of the premium income from those policies as soon as it is earned. 这些UNDERPRICED POLICY并没有立马全部退还 这个符合 因为比如说保险公司刚卖了个保险吧 第2天就出事了 顾客就来申报要求陪钱 那保险公司就得立马把收到的PREMIUM赔给顾客 那就不能拿这个钱去投资了 就没有收入了 就铁定成了个LOSS作者: orchid347 时间: 2011-7-25 00:26
感谢楼上！！明白了~ 太感谢你啦这么晚还来解答~！！作者: 塔罗牌 时间: 2011-7-25 00:32
……我失眠了