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下列引起火灾的因素中，属于道德风险的是( )。
Ⅰ．纵火 Ⅱ．助燃物 Ⅲ．点火源
Ⅳ．起火后故意加大火势 Ⅴ．侥幸心理
A.Ⅰ、Ⅱ
B.Ⅱ、Ⅳ
C.Ⅰ、Ⅳ
D.Ⅱ、Ⅴ

A.纵火
B.助燃物
C.点火源
Ⅳ．起火后故意加大火势
D.侥幸心理
A.Ⅰ、Ⅱ
B.Ⅱ、Ⅳ
C.Ⅰ、Ⅳ
D.Ⅱ、Ⅴ

【参考答案】

C
解析：道德风险与心理风险因素的区别在于是否出于故意，道德风险是一种故意行为。
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Federal efforts to aid minority businesses began in the1960’s when the Small Business Administration (SBA)began making federally guaranteed loans and govern-ment-sponsored management and technical assistance(5) available to minority business enterprises. While thisprogram enabled many minority entrepreneurs toform. new businesses, the results were disappointing,since managerial inexperience, unfavorable locations,and capital shortages led to high failure rates. Even 15(10) years after the program was implemented, minoritybusiness receipts were not quite two percent of the nationaleconomy’s total receipts.Recently federal policymakers have adopted anapproach intended to accelerate development of the(15) minority business sector by moving away from directlyaiding small minority enterprises and toward supportinglarger, growth-oriented minority firms through interme-diary companies. In this approach, large corporationsparticipate in the development of successful and stable(20) minority businesses by making use of government-sponsored venture capital. The capital is used by aparticipating company to establish a Minority EnterpriseSmall Business Investment Company or MESBIC.TheMESBIC then provides capital and guidance to minority(25) businesses that have potential to become future suppliersor customers of the sponsoring company.MESBIC’s are the result of the belief that providingestablished firms with easier access to relevant manage-ment techniques and more job-specific experience, as(30) well as substantial amounts of capital, gives those firmsa greater opportunity to develop sound business founda-tions than does simply making general managementexperience and small amounts of capital availablE.Further, since potential markets for the minority busi-(35) nesses already exist through the sponsoring companies,the minority businesses face considerably less risk interms of location and market fluctuation. Followingearly financial and operating problems, sponsoringcorporations began to capitalize MESBIC’s far above(40) the legal minimum of $500,000 in order to generatesufficient income and to sustain the quality of manage-ment needeD.MESBIC’c are now emerging as increas-ingly important financing sources for minority enter-prises.(45) Ironically, MESBIC staffs, which usually consist ofHispanic and Black professionals, tend to approachinvestments in minority firms more pragmatically thando many MESBIC directors, who are usually seniormanagers from sponsoring corporations. The latter(50) often still think mainly in terms of the “social responsi-bility approach” and thus seem to prefer deals that areriskier and less attractive than normal investment criteriawould warrant. Such differences in viewpoint have pro-duced uneasiness among many minority staff members,(55) who feel that minority entrepreneurs and businessesshould be judged by established business considerations.These staff members believe their point of view is closerto the original philosophy of MESBIC’s and they areconcerned that, unless a more prudent course is fol-lowed, MESBIC directors may revert to policies likelyto re-create the disappointing results of the original SBAapproach.Which of the following best states the central idea of the passage?A.The use of MESBIC’s for aiding minority entrepreneurs seems to have greater potential for success than does the original SBA approach.B.There is a crucial difference in point of view between the staff and directors of some MESBIC’s.C.After initial problems with management and marketing, minority businesses have begun to expand at a steady ratE.D.Minority entrepreneurs wishing to form. new businesses now have several equally successful federal programs on which to rely.E.For the first time since 1960, large corporations are making significant contributions to the development of minority businesses.
A.Recently
B.
MESBIC’s
C.
Further,
D.
(45)
E.
These
F.
Which
G.The
H.
B.There
I.
C.After
J.
D.Minority
K.
E.For
L.
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