一个死活看不明白的题，求教大家了（section18 - 9）

iselibra · 发表于 2003-11-15 03:18:00

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) 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.
这一题的意思就没太看明白，更加不用奢谈什么理解逻辑了，希望NN们拉我一把！
谢谢！

深海的小美人鱼 · 发表于 2003-11-15 03:47:00

大致意思是：理论上说，保险公司的目录上的保险政策可能标价过低。即赔本，如果保险赔偿加上处理时候需要的联络费用加起来超过了保险人交纳的保险金。但是实际上保险公司可以把收取的保险金用来再投资，并收取投资回报。因此，标价过低的保险政策并没有造成实际的成本损失。
结论：an underpriced policy does not represent a net loss in every case.

深海的小美人鱼 · 发表于 2003-11-15 03:55:00

因此，需要在答案中找寻加强结论的前提。或者和削弱相反的题目。我粗粗看了一遍。认为答案是A。但是仔细看了一下，发现还是E更有道理。因为如果A成立，并不影响保险公司用保费投资，而如果在赔偿的时候把刚获得的保险人交纳的保险金全部赔上，那么保险公司就没有钱投资。所以必然赔本。因此E对此反对，所以E对。

iselibra · 发表于 2003-11-15 20:40:00

谢谢美人鱼mm
经常帮我的忙
考完请你吃饭：）

深海的小美人鱼 · 发表于 2003-11-16 11:28:00

呵呵，不客气。我也总是麻烦你。

一个死活看不明白的题，求教大家了（section18 - 9）

一个死活看不明白的题，求教大家了（section18 - 9）

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