{
  "meta": {
    "title": "Insurance Planning Chapter 10 Exam Bank",
    "language": "zh-CN",
    "question_count": 30,
    "quality_version": "reliability_v2",
    "answer_distribution": {
      "A": 4,
      "B": 4,
      "C": 4,
      "D": 3
    },
    "note": "原创题库，用于学习和自测；不复制教材题目。选择题答案位置已打散，解释含错因。"
  },
  "questions": [
    {
      "id": "c10-q001",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "credit_protection"
      ],
      "learning_objective_id": "c10-lo01",
      "question": "关于 Credit protection，哪项判断最准确？",
      "choices": {
        "A": "防止死亡、伤残、失业、欺诈或财产损失导致债务违约或信用受损的安排。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "credit disability 完整替代家庭收入。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Credit protection 的核心是：防止死亡、伤残、失业、欺诈或财产损失导致债务违约或信用受损的安排。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "错误。credit disability 通常只按条款支付债务，不补全部生活费。"
      },
      "explanation": "正确答案是 A。正确。Credit protection 的核心是：防止死亡、伤残、失业、欺诈或财产损失导致债务违约或信用受损的安排。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "credit_protection",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q002",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "credit_life"
      ],
      "learning_objective_id": "c10-lo02",
      "question": "关于 Credit life insurance，哪项判断最准确？",
      "choices": {
        "A": "credit life 的死亡给付通常直接给配偶自由使用。",
        "B": "借款人死亡时偿还贷款余额的保险，受益人通常是贷款人。",
        "C": "credit disability 完整替代家庭收入。",
        "D": "security freeze 会自动修复既有账户盗刷。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "B": "正确。Credit life insurance 的核心是：借款人死亡时偿还贷款余额的保险，受益人通常是贷款人。",
        "C": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "D": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。"
      },
      "explanation": "正确答案是 B。正确。Credit life insurance 的核心是：借款人死亡时偿还贷款余额的保险，受益人通常是贷款人。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "credit_life",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q003",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "credit_disability"
      ],
      "learning_objective_id": "c10-lo03",
      "question": "关于 Credit disability insurance，哪项判断最准确？",
      "choices": {
        "A": "credit disability 完整替代家庭收入。",
        "B": "security freeze 会自动修复既有账户盗刷。",
        "C": "借款人伤残时按条款支付贷款月供。",
        "D": "PMI 保护借款人家庭现金流。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "B": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "C": "正确。Credit disability insurance 的核心是：借款人伤残时按条款支付贷款月供。",
        "D": "错误。PMI 主要保护贷款人免受借款人违约损失。"
      },
      "explanation": "正确答案是 C。正确。Credit disability insurance 的核心是：借款人伤残时按条款支付贷款月供。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "credit_disability",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q004",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "involuntary_unemployment_coverage"
      ],
      "learning_objective_id": "c10-lo04",
      "question": "关于 Involuntary unemployment coverage，哪项判断最准确？",
      "choices": {
        "A": "security freeze 会自动修复既有账户盗刷。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "非自愿失业时短期支付部分债务。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "正确。Involuntary unemployment coverage 的核心是：非自愿失业时短期支付部分债务。"
      },
      "explanation": "正确答案是 D。正确。Involuntary unemployment coverage 的核心是：非自愿失业时短期支付部分债务。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "involuntary_unemployment_coverage",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q005",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "mortgage_protection"
      ],
      "learning_objective_id": "c10-lo05",
      "question": "关于 Mortgage protection insurance，哪项判断最准确？",
      "choices": {
        "A": "围绕房贷设计的保障，可能是寿险、伤残险或贷款附加产品。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "credit disability 完整替代家庭收入。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Mortgage protection insurance 的核心是：围绕房贷设计的保障，可能是寿险、伤残险或贷款附加产品。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "错误。credit disability 通常只按条款支付债务，不补全部生活费。"
      },
      "explanation": "正确答案是 A。正确。Mortgage protection insurance 的核心是：围绕房贷设计的保障，可能是寿险、伤残险或贷款附加产品。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "mortgage_protection",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q006",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "pmi"
      ],
      "learning_objective_id": "c10-lo01",
      "question": "关于 Private mortgage insurance，哪项判断最准确？",
      "choices": {
        "A": "credit life 的死亡给付通常直接给配偶自由使用。",
        "B": "保护贷款人免受借款人违约损失的保险。",
        "C": "credit disability 完整替代家庭收入。",
        "D": "security freeze 会自动修复既有账户盗刷。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "B": "正确。Private mortgage insurance 的核心是：保护贷款人免受借款人违约损失的保险。",
        "C": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "D": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。"
      },
      "explanation": "正确答案是 B。正确。Private mortgage insurance 的核心是：保护贷款人免受借款人违约损失的保险。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "pmi",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q007",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "debt_cancellation"
      ],
      "learning_objective_id": "c10-lo02",
      "question": "关于 Debt cancellation / suspension，哪项判断最准确？",
      "choices": {
        "A": "credit disability 完整替代家庭收入。",
        "B": "security freeze 会自动修复既有账户盗刷。",
        "C": "债权人同意在特定事件下取消或暂停债务。",
        "D": "PMI 保护借款人家庭现金流。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "B": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "C": "正确。Debt cancellation / suspension 的核心是：债权人同意在特定事件下取消或暂停债务。",
        "D": "错误。PMI 主要保护贷款人免受借款人违约损失。"
      },
      "explanation": "正确答案是 C。正确。Debt cancellation / suspension 的核心是：债权人同意在特定事件下取消或暂停债务。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "debt_cancellation",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q008",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "single_premium_credit_insurance"
      ],
      "learning_objective_id": "c10-lo03",
      "question": "关于 Single premium credit insurance，哪项判断最准确？",
      "choices": {
        "A": "security freeze 会自动修复既有账户盗刷。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "把一笔保险费加进贷款本金中融资。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "正确。Single premium credit insurance 的核心是：把一笔保险费加进贷款本金中融资。"
      },
      "explanation": "正确答案是 D。正确。Single premium credit insurance 的核心是：把一笔保险费加进贷款本金中融资。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "single_premium_credit_insurance",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q009",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "debit_card"
      ],
      "learning_objective_id": "c10-lo04",
      "question": "关于 Debit card，哪项判断最准确？",
      "choices": {
        "A": "直接从存款账户扣款，信用功能弱，欺诈时现金流影响更直接。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "credit disability 完整替代家庭收入。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Debit card 的核心是：直接从存款账户扣款，信用功能弱，欺诈时现金流影响更直接。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "错误。credit disability 通常只按条款支付债务，不补全部生活费。"
      },
      "explanation": "正确答案是 A。正确。Debit card 的核心是：直接从存款账户扣款，信用功能弱，欺诈时现金流影响更直接。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "debit_card",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q010",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "credit_card"
      ],
      "learning_objective_id": "c10-lo05",
      "question": "关于 Credit card，哪项判断最准确？",
      "choices": {
        "A": "credit life 的死亡给付通常直接给配偶自由使用。",
        "B": "先由发卡机构垫付，客户之后还款，可建立信用但也可能高息负债。",
        "C": "credit disability 完整替代家庭收入。",
        "D": "security freeze 会自动修复既有账户盗刷。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "B": "正确。Credit card 的核心是：先由发卡机构垫付，客户之后还款，可建立信用但也可能高息负债。",
        "C": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "D": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。"
      },
      "explanation": "正确答案是 B。正确。Credit card 的核心是：先由发卡机构垫付，客户之后还款，可建立信用但也可能高息负债。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "credit_card",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q011",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "charge_card"
      ],
      "learning_objective_id": "c10-lo01",
      "question": "关于 Charge card，哪项判断最准确？",
      "choices": {
        "A": "credit disability 完整替代家庭收入。",
        "B": "security freeze 会自动修复既有账户盗刷。",
        "C": "通常要求每期全额还款，不像信用卡长期循环欠款。",
        "D": "PMI 保护借款人家庭现金流。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "B": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "C": "正确。Charge card 的核心是：通常要求每期全额还款，不像信用卡长期循环欠款。",
        "D": "错误。PMI 主要保护贷款人免受借款人违约损失。"
      },
      "explanation": "正确答案是 C。正确。Charge card 的核心是：通常要求每期全额还款，不像信用卡长期循环欠款。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "charge_card",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q012",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "credit_report"
      ],
      "learning_objective_id": "c10-lo02",
      "question": "关于 Credit report，哪项判断最准确？",
      "choices": {
        "A": "security freeze 会自动修复既有账户盗刷。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "记录信用账户、还款、查询和公共记录等，用于信贷决策。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "正确。Credit report 的核心是：记录信用账户、还款、查询和公共记录等，用于信贷决策。"
      },
      "explanation": "正确答案是 D。正确。Credit report 的核心是：记录信用账户、还款、查询和公共记录等，用于信贷决策。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "credit_report",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q013",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "security_freeze"
      ],
      "learning_objective_id": "c10-lo03",
      "question": "关于 Security freeze，哪项判断最准确？",
      "choices": {
        "A": "限制新债权人访问信用报告，防止身份盗用开新账户。",
        "B": "PMI 保护借款人家庭现金流。",
        "C": "credit life 的死亡给付通常直接给配偶自由使用。",
        "D": "credit disability 完整替代家庭收入。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Security freeze 的核心是：限制新债权人访问信用报告，防止身份盗用开新账户。",
        "B": "错误。PMI 主要保护贷款人免受借款人违约损失。",
        "C": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "D": "错误。credit disability 通常只按条款支付债务，不补全部生活费。"
      },
      "explanation": "正确答案是 A。正确。Security freeze 的核心是：限制新债权人访问信用报告，防止身份盗用开新账户。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "security_freeze",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q014",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "fraud_alert"
      ],
      "learning_objective_id": "c10-lo04",
      "question": "关于 Fraud alert，哪项判断最准确？",
      "choices": {
        "A": "credit life 的死亡给付通常直接给配偶自由使用。",
        "B": "要求债权人在开新账户前加强身份验证。",
        "C": "credit disability 完整替代家庭收入。",
        "D": "security freeze 会自动修复既有账户盗刷。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。credit life 的受益人通常是 lender，用来还贷款。",
        "B": "正确。Fraud alert 的核心是：要求债权人在开新账户前加强身份验证。",
        "C": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "D": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。"
      },
      "explanation": "正确答案是 B。正确。Fraud alert 的核心是：要求债权人在开新账户前加强身份验证。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "fraud_alert",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q015",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "identity_theft"
      ],
      "learning_objective_id": "c10-lo05",
      "question": "关于 Identity theft，哪项判断最准确？",
      "choices": {
        "A": "credit disability 完整替代家庭收入。",
        "B": "security freeze 会自动修复既有账户盗刷。",
        "C": "他人盗用身份开账户、借款或欺诈。",
        "D": "PMI 保护借款人家庭现金流。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。credit disability 通常只按条款支付债务，不补全部生活费。",
        "B": "错误。freeze 主要限制新账户开立，不等于处理已有欺诈。",
        "C": "正确。Identity theft 的核心是：他人盗用身份开账户、借款或欺诈。",
        "D": "错误。PMI 主要保护贷款人免受借款人违约损失。"
      },
      "explanation": "正确答案是 C。正确。Identity theft 的核心是：他人盗用身份开账户、借款或欺诈。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_10",
        "identity_theft",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q016",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "credit_protection",
        "credit_life",
        "credit_disability"
      ],
      "question": "案例陷阱题：Credit life 受益人通常是 lender，不是配偶子女。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：Credit life 受益人通常是 lender，不是配偶子女。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：Credit life 受益人通常是 lender，不是配偶子女。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "tags": [
        "chapter_10",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q017",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "credit_protection",
        "credit_life",
        "credit_disability"
      ],
      "question": "案例陷阱题：PMI 保护贷款人，不保护借款人。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：PMI 保护贷款人，不保护借款人。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：PMI 保护贷款人，不保护借款人。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "tags": [
        "chapter_10",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q018",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "credit_protection",
        "credit_life",
        "credit_disability"
      ],
      "question": "案例陷阱题：Credit disability 只处理债务付款，不补全部生活费。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：Credit disability 只处理债务付款，不补全部生活费。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：Credit disability 只处理债务付款，不补全部生活费。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "tags": [
        "chapter_10",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q019",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "credit_protection",
        "credit_life",
        "credit_disability"
      ],
      "question": "案例陷阱题：单保费并入贷款会产生利息成本。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：单保费并入贷款会产生利息成本。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：单保费并入贷款会产生利息成本。。信用保护要先看受益人、债务是否递减、是否只付贷款，以及是否有更灵活替代方案。",
      "tags": [
        "chapter_10",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q020",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "mortgage_protection",
        "single_premium_credit_insurance"
      ],
      "question": "比较 Mortgage protection insurance 与 Single premium credit insurance：考试中应如何分辨？",
      "answer": "Mortgage protection insurance：围绕房贷设计的保障，可能是寿险、伤残险或贷款附加产品。；Single premium credit insurance：把一笔保险费加进贷款本金中融资。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Mortgage protection insurance 的信号是 要看受益人和给付是否递减。；Single premium credit insurance 的信号是 会增加融资成本，不能只看月供。。",
      "tags": [
        "chapter_10",
        "mortgage_protection",
        "single_premium_credit_insurance",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q021",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "pmi",
        "debit_card"
      ],
      "question": "比较 Private mortgage insurance 与 Debit card：考试中应如何分辨？",
      "answer": "Private mortgage insurance：保护贷款人免受借款人违约损失的保险。；Debit card：直接从存款账户扣款，信用功能弱，欺诈时现金流影响更直接。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Private mortgage insurance 的信号是 PMI 不保护借款人家庭。；Debit card 的信号是 和 credit card 责任/现金流不同。。",
      "tags": [
        "chapter_10",
        "pmi",
        "debit_card",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q022",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "debt_cancellation",
        "credit_card"
      ],
      "question": "比较 Debt cancellation / suspension 与 Credit card：考试中应如何分辨？",
      "answer": "Debt cancellation / suspension：债权人同意在特定事件下取消或暂停债务。；Credit card：先由发卡机构垫付，客户之后还款，可建立信用但也可能高息负债。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Debt cancellation / suspension 的信号是 经济效果像保险，但法律属性可能不同。；Credit card 的信号是 最低还款会导致高成本债务。。",
      "tags": [
        "chapter_10",
        "debt_cancellation",
        "credit_card",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q023",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "single_premium_credit_insurance",
        "charge_card"
      ],
      "question": "比较 Single premium credit insurance 与 Charge card：考试中应如何分辨？",
      "answer": "Single premium credit insurance：把一笔保险费加进贷款本金中融资。；Charge card：通常要求每期全额还款，不像信用卡长期循环欠款。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Single premium credit insurance 的信号是 会增加融资成本，不能只看月供。；Charge card 的信号是 不是无上限免费融资。。",
      "tags": [
        "chapter_10",
        "single_premium_credit_insurance",
        "charge_card",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q024",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "debit_card",
        "credit_report"
      ],
      "question": "比较 Debit card 与 Credit report：考试中应如何分辨？",
      "answer": "Debit card：直接从存款账户扣款，信用功能弱，欺诈时现金流影响更直接。；Credit report：记录信用账户、还款、查询和公共记录等，用于信贷决策。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Debit card 的信号是 和 credit card 责任/现金流不同。；Credit report 的信号是 错误信息要及时争议。。",
      "tags": [
        "chapter_10",
        "debit_card",
        "credit_report",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q025",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "credit_card",
        "security_freeze"
      ],
      "question": "比较 Credit card 与 Security freeze：考试中应如何分辨？",
      "answer": "Credit card：先由发卡机构垫付，客户之后还款，可建立信用但也可能高息负债。；Security freeze：限制新债权人访问信用报告，防止身份盗用开新账户。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Credit card 的信号是 最低还款会导致高成本债务。；Security freeze 的信号是 冻结不影响现有账户，也不等于监控。。",
      "tags": [
        "chapter_10",
        "credit_card",
        "security_freeze",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q026",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "charge_card",
        "fraud_alert"
      ],
      "question": "比较 Charge card 与 Fraud alert：考试中应如何分辨？",
      "answer": "Charge card：通常要求每期全额还款，不像信用卡长期循环欠款。；Fraud alert：要求债权人在开新账户前加强身份验证。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Charge card 的信号是 不是无上限免费融资。；Fraud alert 的信号是 和 security freeze 作用不同。。",
      "tags": [
        "chapter_10",
        "charge_card",
        "fraud_alert",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q027",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "credit_report",
        "identity_theft"
      ],
      "question": "比较 Credit report 与 Identity theft：考试中应如何分辨？",
      "answer": "Credit report：记录信用账户、还款、查询和公共记录等，用于信贷决策。；Identity theft：他人盗用身份开账户、借款或欺诈。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Credit report 的信号是 错误信息要及时争议。；Identity theft 的信号是 处理要包括报告、冻结、争议和监控。。",
      "tags": [
        "chapter_10",
        "credit_report",
        "identity_theft",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q028",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "security_freeze",
        "credit_protection"
      ],
      "question": "比较 Security freeze 与 Credit protection：考试中应如何分辨？",
      "answer": "Security freeze：限制新债权人访问信用报告，防止身份盗用开新账户。；Credit protection：防止死亡、伤残、失业、欺诈或财产损失导致债务违约或信用受损的安排。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Security freeze 的信号是 冻结不影响现有账户，也不等于监控。；Credit protection 的信号是 要先问保护谁：借款人、家庭还是贷款人。。",
      "tags": [
        "chapter_10",
        "security_freeze",
        "credit_protection",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q029",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "fraud_alert",
        "credit_life"
      ],
      "question": "比较 Fraud alert 与 Credit life insurance：考试中应如何分辨？",
      "answer": "Fraud alert：要求债权人在开新账户前加强身份验证。；Credit life insurance：借款人死亡时偿还贷款余额的保险，受益人通常是贷款人。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Fraud alert 的信号是 和 security freeze 作用不同。；Credit life insurance 的信号是 不是给家属自由使用的寿险。。",
      "tags": [
        "chapter_10",
        "fraud_alert",
        "credit_life",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c10-q030",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "identity_theft",
        "credit_disability"
      ],
      "question": "比较 Identity theft 与 Credit disability insurance：考试中应如何分辨？",
      "answer": "Identity theft：他人盗用身份开账户、借款或欺诈。；Credit disability insurance：借款人伤残时按条款支付贷款月供。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Identity theft 的信号是 处理要包括报告、冻结、争议和监控。；Credit disability insurance 的信号是 不替代个人伤残收入险。。",
      "tags": [
        "chapter_10",
        "identity_theft",
        "credit_disability",
        "comparison",
        "reliability_v2"
      ]
    }
  ]
}