Question

阅读理解 　　Insurance is the sharing of risks．Nearly everyone is exposed to risks of some sort．The house owner, for example, knows that his property can be damaged by fire; the ship owner knows that his vessel(船)may be lost at sea; the father knows that he may die at an early age and leave his family the poorer．On the other hand, not every house is damaged by fire nor every vessel lost at sea．If these persons each put a small sum into a pool, there will be enough to meet the needs of the few who do suffer loss．In other words, the losses of the few are met from the contributions of the many．This is the basis of insurance．Those who pay the contributions are known as “insured” and those who control the pool of contributions as “insurers”． 　　Not all risks lead themselves to being covered by insurance．Broadly speaking, the ordinary risks of business cannot be covered．The risk that buyer will not buy goods at the prices offered is not of a kind that can be estimated(估计)in numbers－and risks can only be insured against if they can be estimated． 　　The legal basis of all insurance is the “policy”．It states that in return for regular payment by the insured of a named sum of money, called the “premium(保险费)”, which is usually paid every year, the insurer will pay a sum of money for loss, if the risk or event insured against actually happens． (1) According to the writer, insurance is possible because ________． [　　] A． almost everyone suffers loss B． only insured people suffers loss C． everyone suffers loss sometimes D． only a small number of the insured suffer loss (2) The “basis of insurance” refers to ________． [　　] A． the chances of risks B． the exposing to risks C． the payment of contributions D． the management of contributions (3) By “the pool of contributions” the writer means ________． [　　] A． a small sum of money B． money paid by the insured C． the cost of administration D． money paid by the insurers (4) The insurance of ordinary business risks is impossible because ________． [　　] A． the risks are too high B． businessmen do not like risks C． the risks cannot be estimated D． businessmen will not buy insurance

Answer 1

答案：1．C;2．C;3．B;4．C;
解析：

(1)	从第一段可知每个人都有可能遭受损失。
(2)	从上两句可知每个投保人所交的钱是赔偿损失的基本保障，也就是基础。
(3)	这里指的是投保人所交的钱。
(4)	从第二段可知一般商务风险不能估计，所以不能入保。