第1部份：風險與保險

Paper I — Principles and Practice of Insurance · Part 1: Risk and Insurance

Q1 免費 Free

以下關於風險的定義的陳述，哪些正確？ I. 有關潛在損失的不確定性 II. 某種損失的確定性 III. 投機性財務活動的結果

Which of the following statements about 風險的定義 are correct? I. The uncertainty concerning a potential loss II. The certainty of a certain type of loss III. The outcome of speculative financial activities

A. II only
B. I 及 II only
C. II 及 III only
D. I only

A. II only
B. I and II only
C. II and III only
D. I only

顯示答案 / Show Answer

正確答案 / Correct Answer: D

根據課程定義，「風險」是「有關潛在損失的不確定性」，即不確定是否會發生某種損失或損失多少。
選項A錯誤，因為風險的核心是不確定性而非確定性。
選項C僅指投機性風險，範圍過窄；選項D把風險等同於必然損失，忽略了不確定性的本質。

According to the syllabus, 'risk' is defined as 'uncertainty concerning a potential loss' — we cannot be sure whether a loss will occur or how much will be lost.
Option A is wrong because risk is about uncertainty, not certainty.
Option C only refers to speculative risk and is too narrow; Option D equates risk with inevitable loss, ignoring the element of uncertainty.

Q2 免費 Free

下列哪一類潛在損失通常不被視為商業上可保的風險？

Which of the following types of potential loss is generally NOT considered a commercially insurable risk?

A. 財務損失
B. 身體損失（死亡或人身傷害）
C. 情感損失（悲傷與哀痛）
D. 因盜竊導致的財物損失

A. Financial loss
B. Physical loss (death or personal injury)
C. Emotional loss (feelings of grief and sorrow)
D. Loss of property by theft

顯示答案 / Show Answer

正確答案 / Correct Answer: C

課程明確指出，只有財務損失和身體損失這兩類風險通常是可（商業）保的。
情感損失（如悲傷、哀痛）無法以金錢衡量，因此不被視為商業可保風險。
選項A、B、D均屬於可用金錢衡量的損失類別，因此是可保的。

The syllabus clearly states that only financial and physical losses are likely to be commercially insurable risks.
Emotional losses such as grief and sorrow cannot be measured in monetary terms and are therefore not commercially insurable.
Options A, B and D all represent losses measurable in monetary terms and are thus insurable.

Independent study aid. Not affiliated with or endorsed by the Insurance Authority (IA) of Hong Kong.

本應用為獨立學習工具，與香港保險業監管局 (IA) 無關，亦未獲其認可。