実際に、多くの受験者はCAIB-3試験に合格したいです。難しいですが、自分自身はより良いものになりたいので、やはりチャレンジしたいです。そのような場合、CAIB-3学習教材のようないい資料が必要です。CAIB-3学習教材を利用すれば、あなたはCAIB-3試験を簡単にパスできます。
| Section | Objectives |
|---|---|
| Topic 1: Crime Insurance | |
| Topic 2: Surety Bonding | |
| Topic 3: Risk Assessment for Advanced Commercial Risks | |
| Topic 4: Cyber Insurance | |
| Topic 5: Business Interruption Insurance | |
| Topic 6: Reinsurance | |
| Topic 7: Directors' and Officers' Liability Insurance | |
| Topic 8: Aviation Insurance | |
| Topic 9: Marine Insurance |
この知識が支配的な世界では、知識と実用的な作業能力の組み合わせが非常に重要視されています。ShikenPASS実際の能力を向上させたい場合は、CAIB-3認定試験に参加できます。 CAIB-3認定に合格すると、実践能力と知識の両方を高めることができます。また、CAIB-3の最新の質問を購入すると、CAIB-3試験にスムーズに合格します。
質問 # 19
DEFINE: FRAUD (1 mark)
正解：
解説：
See the answer in Explanation below.
Explanation:
Fraud is an intentional act of deception, misrepresentation or dishonesty used to obtain money, property or another benefit, or to cause another person a financial loss.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: fraud and dishonest acts.
質問 # 20
Not everyone can qualify for a surety bond.
A) Identify the three (3) criteria which form the basis of the credit approval of every applicant for bonding. (1
1/2 marks)
B) Identify one (1) factor under each of the criteria stated above which the surety company would consider. (1
1/2 marks)
(3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) The three criteria are Character, Capacity and Capital.
B) One factor under each is:
- Character: honesty, reputation and past record.
- Capacity: experience and ability to complete the work.
- Capital: financial strength and available working capital.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 5 - Qualifying for a Surety Bond:
Character, Capacity and Capital.
質問 # 21
Your client has gross earnings coverage. Although many of his employees are unskilled, and therefore readily replaceable, your client wants to protect them in the event of an interruption. Which of the following options is available to your client? (1 mark)
正解：B
解説：
Comprehensive Explanation: The ordinary payroll limitation can be arranged for either 90 days or 180 days.
Since both A and C are available options, D is the best answer. This allows an insured to continue ordinary payroll for the selected period after an insured business interruption.
Reference: CAIB 3 Training & Study Pack - Business Interruption: Gross Earnings and ordinary payroll limitation.
質問 # 22
An important step in the risk management process is selecting the proper risk management techniques. This procedure relies on the ability of the risk manager to forecast.
A) Identify two (2) forecasts which must be conducted if the organization is to establish meaningful priorities in treating loss exposures. (2 marks) B) Once forecasting has been done, each alternative risk management technique is assessed in accordance with two (2) selection criteria. Identify those criteria. (1 mark) (3 marks)
正解：
解説：
See the answer in Explanation below.
Explanation:
A) Two required forecasts are:
1. The expected frequency and severity of losses.
2. The effect that different risk control and risk financing techniques will have on the frequency, severity and predictability of those losses.
B) The two selection criteria are Effectiveness and Economy.
A third forecast used in the CAIB process is the cost of the risk management techniques.
Reference: IBAC CAIB 3 Student Resource Guide (2013), Chapter 6 - Step Three: Select Risk Management Technique(s), Forecasting, reference p. 6-23.
質問 # 23
Under the inside/outside robbery coverage, which of the following would qualify as a custodian? (1 mark)
正解：D
解説：
Comprehensive Explanation: A custodian includes the insured, a partner of the insured, or an authorized employee who has care and custody of the insured property. A guard, janitor or watchman is not treated as a custodian for this coverage.
Reference: CAIB 3 Training & Study Pack - Crime Insurance: Inside/Outside Robbery and the definition of custodian.
質問 # 24
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CAIB-3参考書内容: https://www.shikenpass.com/CAIB-3-shiken.html