蓝皮的一套题~关于假设的

orchid347 · 发表于 2011-7-25 00:06:23

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

塔罗牌 · 发表于 2011-7-25 00:20:17

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

orchid347 · 发表于 2011-7-25 00:26:37

感谢楼上！！明白了~
太感谢你啦这么晚还来解答~！！

塔罗牌 · 发表于 2011-7-25 00:32:33

……我失眠了

蓝皮的一套题~关于假设的

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