ESAF – 2010 – SUSEP – ANALISTA TÉCNICO – LÍNGUA INGLESA – CONCURSO PÚBLICO – SUPERINTENDÊNCIA DE SEGUROS PRIVADOS – PROVA COM GABARITO.

❑ Welcome back to another post!

❑ PROVA DE LÍNGUA INGLESA: ESAF-2010-SUSEP-ANALISTA TÉCNICO-01/01/2010.

❑ ORGANIZADOR: www.esaf.fazenda.gov.br.

❑ ESTRUTURA-PROVA:

➧ 10 Multiple Choice Questions / 5 Options Each Question.

➧ Text (1) – Regulation Modernization | www.iii.org (3 questions)

➧ Text (2) – A world of connections | www.economist.com (3 questions)

➧ Text (3) – Recent developments | www.bls.gov (4 questions)

❑ GABARITO:

01-B,  02-A,  03-C,  04-E,  05-D

06-D,  07-A,  08-C,  09-B,  10-E

➧ TEXT 1: Read the text below entitled "Regulation Modernization" in order to answer questions 01 to 03:

Regulation Modernization

Source: www.iii.org  (Adapted)Jan, 2010

1    Insurance is regulated by the individual states. The move to modernize insurance regulation is being driven in part by the globalization of insurance services. Some large U.S. companies that operate in other countries support the concept of a federal system that provides one-stop regulatory approval while others believe the merits of a state system outweigh the virtues of a single national regulator. As a result of discussions about the merits of each system, states are making it easier for insurers to respond quickly to market forces.

2    States monitor insurance company solvency. One important function related to this is overseeing rate changes. Rate making is the process of calculating a price to cover the future cost of insurance claims and expenses, including a margin for profit. To establish rates, insurers look at past trends and changes in the current environment that may affect potential losses in the future.

3    Increasingly, even in the most regulated states, officials are relying on competition among insurance companies to keep rates down and are modernizing and streamlining the rate setting process.

01 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 1, the globalization of insurance services has

(A) infringed the insurance regulation.
(B) brought about a particular move.
(C) lessened competition among insurance companies.
(D) significantly enhanced their quality.
(E) helped precipitate a financial crisis.

       Gabarito     B  
According to paragraph 1, the globalization of insurance services has

(A) infringed the insurance regulation.

(infringiu a regulamentação dos seguros.)

(B) brought about a particular move.

(ocasionou um movimento particular.)

➧ CORRETA – O movimento particular é o de modernizar a regulamentação dos seguros, conforme o trecho:

➧ "[...] The move to modernize insurance regulation is being driven in part by the globalization of insurance services."

➧(O movimento para modernizar a regulamentação dos seguros está a ser impulsionado, em parte, pela globalização dos serviços de seguros.)

➧ TO BRING ABOUT (= to cause something to happen) – PROMOVER | OCASIONAR | FAZER COM QUE ALGO ACONTEÇA. [https://dictionary.cambridge.org/dictionary/english/bring-about?q=bring+about+something]

(C) lessened competition among insurance companies.

(diminuiu a concorrência entre as companhias de seguros.)

(D) significantly enhanced their quality.

(melhorou significativamente a sua qualidade.)

(E) helped precipitate a financial crisis.

(contribuiu para precipitar uma crise financeira.)

➧ TRADUÇÃO DO 1º PARÁGRAFO:

• Insurance is regulated by the individual states. The move to modernize insurance regulation is being driven in part by the globalization of insurance services. Some large U.S. companies that operate in other countries support the concept of a federal system that provides one-stop regulatory approval while others believe the merits of a state system outweigh the virtues of a single national regulator. As a result of discussions about the merits of each system, states are making it easier for insurers to respond quickly to market forces.
• Os seguros são regulados por cada um dos Estados. O movimento para modernizar a regulamentação dos seguros está sendo impulsionada, em parte, pela globalização dos serviços de seguros. Algumas grandes empresas norte-americanas que operam noutros países apoiam o conceito de um sistema federal que proporciona uma aprovação regulamentar única, enquanto outras acreditam que os méritos de um sistema estatal ultrapassam as virtudes de um único regulador nacional. Como resultado das discussões sobre os méritos de cada sistema, os estados estão tornando mais fácil para as seguradoras responder rapidamente às forças do mercado.

➧ TO OUTWEIGH (= to be greater or more important than something else) – PESAR MAIS DO QUE | ULTRAPASSAR | PREVALECER | SER MAIS IMPORTANTE QUE | SUPLANTAR | TER MAIS VALOR QUE.

[https://dictionary.cambridge.org/dictionary/english/outweigh]

02 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 2, rates

[a] differ in different situations.
[b] remain unchanged over long periods.
[c] are set by the individual states.
[d] are not expected to vary.
[e] represent the net profit of insurance companies.

       Gabarito     A  
De acordo com o parágrafo 2, as taxas

*Alternativa (D) correta: diferem em diferentes situações.
*Alternativa (B) incorreta: permanecem inalterados por longos períodos.
*Alternativa (C) incorreta: são definidos pelos estados individuais.
*Alternativa (D) incorreta: Não se espera variar.
*Alternativa (E) incorreta: representam o lucro líquido das seguradoras.

03 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 3,

[a] rates must be kept down by officials.
[b] competition may generate excessive rates.
[c] competition is expected to impact on rates.
[d] rates have to be kept below approved ceilings.
[e] the rate setting process was at last streamlined.

       Gabarito     C  
De acordo com o parágrafo 3,
*Alternativa (A) incorreta: taxas devem ser mantidas pelos oficiais.
*Alternativa (B) incorreta: a competição pode gerar taxas excessivas.
*Alternativa (C) correta: espera-se que a concorrência tenha impacto nas taxas.
*Alternativa (D) incorreta: as taxas devem ser mantidas abaixo dos limites aprovados.
*Alternativa (E) incorreta: o processo de definição de tarifas foi finalmente simplificado.

➧ TEXT 2: Read the text below entitled "A world of connections" in order to answer questions 04 to 06:

A world of connections

www.economist.com (Adapted)

          Jan 28th, 2010

1

To sceptics all this talk of twittering, yammering and chattering smacks of another internet bubble in the making. They argue that even a huge social network such as Facebook will struggle to make money because fickle networkers will not stay in one place for long, pointing to the example of MySpace, which was once all the rage but has now become a shadow of its former self. Last year the site, which is owned by News Corp, installed a new boss and fired 45% of its staff as part of a plan to revive its fortunes.
2
Within companies there is plenty of doubt about the benefi ts of online social networking in the offi ce. A survey of 1,400 chief information offi cers conducted last year by Robert Half Technology, a recruitment firm, found that only one-tenth of them gave employees full access to such networks during the day, and that many were blocking Facebook and Twitter altogether. The executives' biggest concern was that social networking would lead to social notworking, with employees using the sites to chat with friends instead of doing their jobs. Some bosses also fretted that the sites would be used to leak sensitive corporate information.

04 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 1, the site MySpace

[a] has turned into the most popular social network.
[b] attracts more networkers than Facebook.
[c] played a minor role as a social-networking site.
[d] convinced sceptics of its outstanding value.
[e] laid off almost half of its staff.
       Gabarito     E  
De acordo com o parágrafo 1, o site MySpace
*Alternativa (A) incorreta: se transformou na rede social mais popular.
O MySpace já esteve no auge MAS agora o MySpace NÃO É MAIS a rede mais popular.
Vê trecho do texto:
"[...] They argue that even a huge social network such as Facebook will struggle to make money because fickle networkers will not stay in one place for long, pointing to the example of MySpace, which was once all the rage but has now become a shadow of its former self."
(Eles argumentam que mesmo uma enorme rede social como o Facebook terá dificuldades para ganhar dinheiro, porque os networkers não vão ficar em um lugar por muito tempo, apontando para o exemplo do MySpace, que já foi a moda, mas agora se tornou uma sombra de si mesmo.)
*Alternativa (B) incorreta: atrai mais networkers do que o Facebook.
Vimos que o MySpace é sombra de si mesmo, ou seja, não tem mais popularidade.
*Alternativa (C) incorreta: desempenhou um papel menor como um site de rede social.
O MySpace,segundo o texto,era a moda,teve valor nas redes sociais:
"[...] MySpace, which was once all the rage but has now become a shadow of its former self."
(O MySpace, que já foi a moda, mas agora tornou-se uma sombra de mesmo.)
*Alternativa (D) incorreta: convenceu os céticos do seu valor excepcional.
Segundo o texto o MysPace perdeu o seu destaque nas mídias e portanto não convenceu os céticos.
*Alternativa (e) correta: demitiu quase metade de seu pessoal.
Veja trecho que confirma:
"[...] Last year the site, which is owned by News Corp, installed a new boss and fired 45% of its staff as part of a plan to revive its fortunes."
(No ano passado, o site, que pertence à News Corp, instalou um novo chefe e demitiu 45% de sua equipe como parte de um plano para reviver suas fortunas.)

05 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 2, the benefits of online social networking in the office are

[a] undeniable.
[b] numerous.
[c] long-lasting.
[d] uncertain.
[e] predictable.
       Gabarito     D  
De acordo com o parágrafo 2, os benefícios das redes sociais on-line no escritório são
*Alternativa (A): inegável.
*Alternativa (B): numerosos.
*Alternativa (C): de longa duração.
*Alternativa (D): incerto.
*Alternativa (A): previsível.

06 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to paragraph 2, some bosses also worried that through the sites sensitive corporate information would be

[a] altered.
[b] distorted.
[c] made classified.
[d] disclosed.
[e] negotiated.
       Gabarito     D  
De acordo com o parágrafo 2, alguns chefes também temiam que, através dos sites, informações corporativas sensíveis PODERIAM SER
*Alternativa (A) incorreta: alterada.
*Alternativa (B) incorreta:distorcida.
*Alternativa (C) incorreta: feito classificado.
*Alternativa (D) correta: divulgada.
*Alternativa (E) incorreta: negociada.

➧ TEXT 3: Read the text below entitled "Recent developments" in order to answer questions 07 to 10:

Recent developments

Source:www.bls.gov  (Adapted)

Jan 28th, 2010

1    The recent financial crisis has resulted in large losses for the insurance industry. Industry conditions in the near term remain tenuous, particularly as many companies will continue to experience declining revenues, investment losses, and credit rating downgrades, which can affect an insurer’s ability to repay debt by having to pay a higher interest rate. 

2    Additionally, insurance companies that were trading in credit default swaps and other risky instruments without suffi cient hedging suffered especially hard, and some companies even became insolvent. 

3    Companies with prudent risk management strategies also suffered large losses, because most investment instruments owned by insurance companies experienced falling values as they were being sold or marked down as the stock market deteriorated in late 2008. Nonetheless, as insurers rebuild capital and adhere to stricter Federal regulations, the insurance industry is likely to stabilize.

4    The Internet is an important tool for insurance carriers in reaching potential and existing customers. Insurance carriers use the Internet to enable customers to access online account and billing information, view insurance quotes, and purchase policies.

07 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to the text, large losses

[a] have been faced by the insurance industry.
[b] were easily foreseen by the insurance industry.
[c] might be caused by the insurance industry.
[d] should have been prevented by the industry.
[e] may be overcome by the insurance industry.
       Gabarito     A  
Segundo o texto, grandes perdas
*Alternativa (A) incorreta: foram enfrentadas pelo setor de seguros.
*Alternativa (B) incorreta: foram facilmente previstas pela indústria de seguros.
*Alternativa (C) incorreta: pode ser causadas pelo setor de seguros.
*Alternativa (D) incorreta: deveria ter sido evitadas pela indústria.
*Alternativa (E) incorreta: pode ser superadas pelo setor de seguros.

08 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

The author defines the industry conditions in the near term as tenuous, which means they are

[a] strong, but predictable.
[b] stable and vigorous.
[c] weak and likely to change.
[d] positive and promising.
[e] unfavourable and not changing.
       Gabarito     C  
O autor define as condições da indústria no curto prazo como tênues, o que significa que elas são
*Alternativa (A) incorreta: fortes, mas previsível.
*Alternativa (B) incorreta: estáveis e vigorosas.
*Alternativa (C) correta: fracas e prováveis que mudem.
*Alternativa (D) incorreta: positivas e promissoras.
*Alternativa (E) incorreta: desfavoráveis e não mudam.

09 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to the text,

[a] the insurance industry has stabilized.
[b] Federal regulations are becoming more severe.
[c] management strategies prevented losses.
[d] large losses were caused by insurers.
[e] insurers were indeed capable of rebuilding capital.
       Gabarito     B  
De acordo com o texto,
*Alternativa (A) incorreta: o setor de seguros se estabilizou.
*Alternativa (B) correta: Regulamentos federais estão se tornando mais severos.
*Alternativa (C) incorreta: estratégias de gestão impediram perdas.
*Alternativa (D) incorreta: grandes perdas foram causadas por seguradoras.
*Alternativa (E) incorreta: As seguradoras foram capazes de reconstruir o capital.

10 – (ESAF-2010-SUSEP-ANALISTA TÉCNICO)

According to the text, the role played by the Internet within the insurance industry is

[a] secondary.
[b] undefined.
[c] overvalued.
[d] underestimated.
[e] relevant.

       Gabarito     E  
De acordo com o texto, o papel desempenhado pela Internet no setor de seguros é
*Alternativa (A) incorreta: secundário.
*Alternativa (B) incorreta: indefinido.
*Alternativa (C) incorreta: supervalorizado.
*Alternativa (D) incorreta: subestimado.
*Alternativa (E) incorreta: relevante.