Tổng Hợp Đề Ôn Luyện Thi Môn Quản Trị Rủi Ro (English) - Miễn Phí, Có Đáp Án Chi Tiết
Quản trị rủi ro là môn học quan trọng, cung cấp kiến thức về phân tích, đánh giá và quản lý rủi ro trong kinh doanh và tổ chức. Tổng hợp các đề ôn luyện thi miễn phí, kèm đáp án chi tiết, giúp người học củng cố kiến thức, rèn luyện kỹ năng thực hành và chuẩn bị tốt nhất cho kỳ thi. Tài liệu được biên soạn sát với chương trình học, hỗ trợ hiệu quả trong học tập và ứng dụng thực tế.
Từ khoá: Quản Trị Rủi Ro Đề Thi Quản Trị Rủi Ro Đáp Án Chi Tiết Quản Trị Rủi Ro Ôn Luyện Thi Quản Trị Rủi Ro Đề Ôn Tập Quản Trị Rủi Ro Phân Tích Rủi Ro Đề Thi Miễn Phí Kỹ Năng Quản Lý Rủi Ro Quản Lý Kinh Doanh Kỹ Thuật Đánh Giá Rủi Ro
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Câu 1: 0.2 điểm
An automobile that is a total loss as a result of a collision is an example of which of the following types of risk?(I. Speculative risk, II. Diversifiable risk)
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 2: 0.2 điểm
All of the following are burdens to society because of the presence of risk EXCEPT
A.
The size of an emergency fund must be increased.
B.
Risk provides an incentive for people to engage in loss control.
C.
Society is deprived of certain goods and services.
D.
Mental fear and worry are present.
Câu 3: 0.2 điểm
Which of the following is true about the relationship between direct and indirect losses?
A.
The impact of indirect losses can be much bigger than the original direct loss.
B.
They are unrelated events.
C.
Direct losses are the result of an indirect loss due to business interruption.
D.
Indirect losses are irrelevant compared to direct losses.
Câu 4: 0.2 điểm
Some members of Congress are concerned that if one or two large U.S. banks fail, it could lead to the collapse of the entire U.S. financial sector. This risk is called
A.
objective risk.
B.
systemic risk.
C.
enterprise risk.
D.
subjective risk.
Câu 5: 0.2 điểm
All of the following are disadvantages of using insurance in a risk management program EXCEPT
A.
There is an opportunity cost because premiums must be paid in advance.
B.
Considerable time and effort must be spent selecting and negotiating coverages.
C.
It results in considerable fluctuations in earnings after a loss occurs.
D.
Attitudes toward loss control may become lax when losses are insured.
Câu 6: 0.2 điểm
Risk retention is not a good idea if:
A.
the risk is unimportant
B.
you did not identify the risk
C.
the frequency is so low it almost will never happen
D.
the exposure is potentially catastrophic
Câu 7: 0.2 điểm
The most difficult and important step in the risk management process generally is:
A.
evaluating risk
B.
reviewing the program
C.
selecting the best method(s) to handle the risk
D.
identifying the risk
Câu 8: 0.2 điểm
Faking an accident to collect insurance proceeds is an example of
A.
physical hazard.
B.
objective risk.
C.
moral hazard.
D.
attitudinal hazard.
Câu 9: 0.2 điểm
All of the following are potential advantages of retention EXCEPT
A.
lower expenses.
B.
increased cash flow.
C.
encouragement of loss prevention.
D.
protection from catastrophic losses.
Câu 10: 0.2 điểm
All of the following are disadvantages of noninsurance transfers EXCEPT
A.
The party to whom the potential loss is transferred may be unable to pay.
B.
The transfer may fail because the contract language is ambiguous.
C.
The only potential losses that can be transferred are those that are not commercially insurable.
D.
The noninsurance transfer may be costly.
Câu 11: 0.2 điểm
Members of Mid-South Petroleum Distributors, a trade group, had trouble obtaining affordable pollution liability insurance. The members formed a group captive that is exempt from many statelaws that apply to other insurers. This group captive is called a(n)
A.
reinsurance pool.
B.
Lloydʹs association.
C.
alien insurer.
D.
risk retention group.
Câu 12: 0.2 điểm
All of the following statements about risk retention are true EXCEPT
A.
It may be used intentionally if commercial insurance is unavailable.
B.
It may be used passively because of ignorance.
C.
Its use is most appropriate for low-frequency, high-severity types of risks.
D.
Its use results in cost savings if losses are less than the cost of insurance.
Câu 13: 0.2 điểm
Which of the following statements about liability losses is true?
A.
They arise from two sources: the obligation to pay legal damages, and the resulting bad publicity.
B.
The obligation to pay legal damages is always more expensive than the cost of defense.
C.
Defense costs can be expensive, unless the court finds that the plaintiff's claims are groundless.
D.
None of the above is true.
Câu 14: 0.2 điểm
All of the following are risk management objectives prior to the occurrence of loss EXCEPT
A.
analysis of the cost of different techniques for handling losses.
B.
continuing operations after a loss.
C.
reduction of anxiety.
D.
meeting externally imposed obligations.
Câu 15: 0.2 điểm
Laura Evans is risk manager of LMN Company. Laura decided to retain certain property losses. Allof the following are methods which Laura can use to fund retained property losses EXCEPT
A.
private insurance.
B.
current net income.
C.
funded reserve.
D.
borrowed funds.
Câu 16: 0.2 điểm
All of the following statements about avoidance are true EXCEPT
A.
Certain loss exposures are never acquired.
B.
Certain loss exposures may be abandoned.
C.
The chance of loss for certain loss exposures may be reduced to zero.
D.
It can be used for any loss exposure facing a firm.
Câu 17: 0.2 điểm
A risk manager is concerned with(I. Identifying potential losses.II. Selecting the appropriate techniques for treating losses)
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 18: 0.2 điểm
To better understand her companyʹs operations, a risk manager asked a production manager todraw a diagram tracing the steps in the production and distribution of the companyʹs products.Such a diagram, which is useful in risk identification, is called a
A.
financial statement.
B.
risk management matrix.
C.
flowchart.
D.
risk management audit.
Câu 19: 0.2 điểm
Risk Pooling is an example of:
A.
a Catastrophic Loss Event
B.
diversifying risk
C.
a speculate risk
D.
applying the risk-return trade-off
Câu 20: 0.2 điểm
A peril is
A.
a moral hazard.
B.
the cause of a loss.
C.
a condition that increases the chance of a loss.
D.
the probability that a loss will occur.
Câu 21: 0.2 điểm
Which of the following types of loss exposures may be appropriately handled through the purchase of insurance?I. High-frequency, low-severityII. Low-frequency, high-severity
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 22: 0.2 điểm
Abandoning an existing loss exposure is an example of
A.
avoidance.
B.
retention.
C.
noninsurance transfer.
D.
insurance transfer.
Câu 23: 0.2 điểm
In a negligence lawsuit, the jury's primary function is to:
A.
assist the judge in interpreting the law
B.
determine the facts
C.
decide guilt or innocence
D.
make sure neither plaintiff nor defendant cheats in presenting their case
Câu 24: 0.2 điểm
All of the following can result from a damaged reputation, except:
A.
declined earnings
B.
lower cost of capital
C.
lower credit rating
D.
smaller market share
Câu 25: 0.2 điểm
If you were the risk manager of the World Trade Center buildings, what loss prevention or reduction technique could you have implemented before the 9/11/01 tragedy that might have made a significant difference in the number of lives lost?
A.
Guards on the roof of each building
B.
Evacuation procedures that required everyone to leave after any sign of loss
C.
Stronger exterior building materials
D.
Better background screening of all who were allowed to work in the building
Câu 26: 0.2 điểm
Which of the following is a false statement?
A.
Risk averse people will pay an insurance premium that is greater than the mathematically fair chance of loss in order to relieve themselves of uncertainty.
B.
A risk seeker is willing to assume risk.
C.
The mathematically fair price for insurance is the objective risk for the insurer multiplied by the maximum possible loss.
D.
Insurance is never a mathematically fair trade because the insurer adds several operating and other costs to loss costs when it calculates the premium.
Câu 27: 0.2 điểm
Factors a risk manager must consider in selecting an insurer include which of the following?(I. The availability of risk management services.II. The financial strength of the insurer)
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 28: 0.2 điểm
An earthquake is an example of a(n)
A.
moral hazard.
B.
peril.
C.
physical hazard.
D.
objective risk.
Câu 29: 0.2 điểm
Sources of information that can be used by a risk manager to identify pure loss exposures includeall of the following EXCEPT
A.
risk analysis questionnaires.
B.
currency exchange rates.
C.
physical inspections.
D.
past losses.
Câu 30: 0.2 điểm
Which of the following statements about retention levels is (are) true?(I. A common rule of thumb is that a firmʹs maximum retention can be equal to 100 percent of itsearnings before taxes.II. A financially strong firm can have a higher retention level than a firm whose financial positionis weak.)
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 31: 0.2 điểm
The Big Boy Toy Company's best seller is a futuristic radio-controlled car. The toy is manufactured using a custom mold designed especially for the company by a local artist. If anything were to happen to this mold, the company would have to stop manufacturing the toys until the artist could reproduce the mold. The risk manager's primary concern regarding damage to this mold is probably the:
A.
indirect loss that will result while production of the toy is halted
B.
expense of paying the artist to reproduce the mold
C.
extra cost of manufacturing additional toys while the car cannot be manufactured
D.
direct damage to employees that will be laid off while production is halted
Câu 32: 0.2 điểm
Which of the following is true about speculative risks?
A.
A firm cannot profit from its exposure to speculative risk.
B.
The risk/return tradeoff is not applicable to speculative risks.
C.
Risk managers must be tolerant of negative outcomes related to speculative risks.
D.
Speculative risk is not a source of great concern for risk managers.
Câu 33: 0.2 điểm
The extra expense incurred by a business to stay in operation following a fire is an example of a(n)
A.
fundamental risk.
B.
speculative risk.
C.
direct loss.
D.
indirect loss.
Câu 34: 0.2 điểm
According to a survey, which of the following is the most challenging risk to manage?
A.
Human resource risk
B.
Third-party liability
C.
Speculative risk
D.
Reputation risk
Câu 35: 0.2 điểm
The long-run relative frequency of an event based on the assumption of an infinite number of observations with no change in the underlying conditions is called
A.
objective probability
B.
objective risk.
C.
subjective probability
D.
subjective risk.
Câu 36: 0.2 điểm
Carelessness or indifference to a loss is an example of
A.
physical hazard.
B.
objective probability.
C.
moral hazard.
D.
attitudinal hazard.
Câu 37: 0.2 điểm
A situation or circumstance in which a loss is possible, regardless or whether a loss occurs, iscalled a
A.
deductible.
B.
loss exposure.
C.
loss avoidance.
D.
peril.
Câu 38: 0.2 điểm
A student who has skipped many classes and not studied the course material was surprised to learn there was a test when he showed-up for class. The student's mental uncertainty about whether or not he will pass the test is called
A.
objective risk.
B.
objective probability.
C.
subjective probability.
D.
subjective risk.
Câu 39: 0.2 điểm
Loss severity is defined as the
A.
probable size of the losses which may occur during some period.
B.
probable number of losses which may occur during some period.
C.
probability that any particular piece of property may be totally destroyed.
D.
probability that a liability judgment may exceed a firmʹs net worth.
Câu 40: 0.2 điểm
Which of the following potential losses is not an example of a pure risk?
A.
Loss of a home by fire
B.
Theft of a car
C.
Loss of $10,000 in the stock market
D.
Theft of your wallet containing $100
Câu 41: 0.2 điểm
All of the following are examples of personal risks EXCEPT
A.
poor health.
B.
unemployment.
C.
premature death.*
D.
loss of business income.
Câu 42: 0.2 điểm
Which of the following statements about the use of deductibles is (are) true?(I. They represent risk retention by insurance purchasers.II. They tend to increase the cost of adjusting small claims)
A.
I only
B.
II only
C.
both I and II
D.
neither I nor II
Câu 43: 0.2 điểm
Why is a large number of exposure units generally required for a risk to be insurable?
A.
It prevents the insurer from losing money.
B.
It guarantees that losses will be unintentional and measurable.
C.
It enables the insurer to better predict the frequency and severity of losses (moderate).
D.
It minimizes physical hazards.
Câu 44: 0.2 điểm
Damages awarded to compensate for pain and suffering are called:
A.
punitive damages
B.
personal injuries
C.
non-bodily injury damages
D.
exemplary damages
Câu 45: 0.2 điểm
The correct order of the steps in the Risk Management Process is:
A.
Establish Goals, Identify Potential Loss Exposure, Measure Potential Loss Exposure, Choose Risk Handling Techniques, Implement Techniques and Monitor Effectiveness
B.
Establish Goals, Choose Risk Handling Techniques, Identify Potential Loss Exposure, Measure Potential Loss Exposure, Implement Techniques and Monitor Effectiveness
C.
Establish Goals, Choose Risk Handling Techniques, Measure Potential Loss Exposure, Identify Potential Loss Exposure, Implement Techniques and Monitor Effectiveness
D.
Establish Goals, Measure Potential Loss Exposure, Identify Potential Loss Exposure, Choose Risk Handling Techniques, Implement Techniques and Monitor Effectiveness
Câu 46: 0.2 điểm
A restaurant owner leased a meeting room at the restaurant to a second party. The lease specifiedthat the second party, not the restaurant owner, would be responsible for any liability arising out of the use of the meeting room, and that the restaurant owner would be ʺheld harmlessʺ for anydamages. The restaurant owner ʹs use of the hold-harmless agreement is an example of
A.
retention.
B.
self -insurance.
C.
insurance.
D.
noninsurance transfer.
Câu 47: 0.2 điểm
Ryan decided to review his personal risk management program. His car is 10 years old, and hewould receive little money from his insurer if the car was damaged or destroyed. Ryan decided todrop the physical damage insurance on the car. From a risk management perspective, dropping the physical damage insurance on the car is best described as
A.
increasing the use of avoidance in the risk management program.
B.
increasing the use of noninsurance transfer in the risk management program.
C.
increasing the use of retention in the risk management program.
D.
increasing the use of risk control in the risk management program.
Câu 48: 0.2 điểm
The worst loss that could ever happen to a firm is referred to as the
A.
maximum possible loss.
B.
maximum probable loss.
C.
frequency of loss.
D.
severity of loss.
Câu 49: 0.2 điểm
Which of the following is true about pure risks?
A.
The risk/return tradeoff is applicable to pure risks.
B.
A firm cannot profit from its exposure to pure risk.
C.
Risk managers must be tolerant of negative outcomes related to pure risks.
D.
Pure risk is not a source of great concern for risk managers.
Câu 50: 0.2 điểm
Cal was just hired as XYZ Company's first risk manager. Cal would like to employ the risk management process. The first step in the process Cal should follow is to
A.
evaluate potential losses faced by XYZ Company.
B.
formulate a treatment plan for XYZ Companyʹs loss exposures.
C.
identify potential losses faced by XYZ Company.
D.
implement and administer a risk management plan for XYZ Company.
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