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问题 多项选择题

理财规划师在对宏观经济形势进行分析和预测的时候要注意以下哪几点（）。

A.关注经济统计信息，掌握实时的经济运行变动情况，了解宏观经济发展的总体走向，以便明确客户投资规划进行的大的经济背景，提出可实现的投资目标，顺应经济发展趋势做出正确的投资决策

B.密切关注各种宏观经济因素，如利率、汇率、税率的变化，这样才能抓住最有利的投资机会

C.对各项宏观指标的历史数据和历史经验进行分析，关注财政预算报告，分析收支变化，掌握财政政策意图，据以做出预测性判断，以此作为客户未来投资的经济背景

D.关注政府及科研机构的分析、评论，判断财政政策的作用效果以便掌握宏观经济政策对投资行为、储蓄行为以及金融市场的影响，从而提出符合实际的投资规划建议

E.明确客户现有投资组合中的资产配置状况

答案

参考答案：A, B, C, D

解析：理财规划师在对宏观经济形势进行分析和预测的时候要注意以下几点：（1）关注经济统计信息，掌握实时的经济运行变动情况，了解宏观经济发展的总体走向，以便明确客户投资规划进行的大的经济背景，提出可实现的投资目标，顺应经济发展趋势做出正确的投资决策。（2）密切关注各种宏观经济因素，如利率、汇率、税率的变化，这样才能抓住最有利的投资机会。（3）对各项宏观指标的历史数据和历史经验进行分析，关注财政预算报告，分析收支变化，掌握财政政策意图，据以做出预测性判断，以此作为客户未来投资的经济背景。（4）关注政府及科研机构的分析、评论，判断财政政策的作用效果以便掌握宏观经济政策对投资行为、储蓄行为以及金融市场的影响，从而提出符合实际的投资规划建议。

单项选择题

Questions 91 — 100 are based on the following passage. (15 points)Electronic mail has become an extremely important and popular means of communication.The convenience and efficiency of electronic mail are threatened by the extremely rapid growth in the volume of unsolicited commercial electronic mail. Unsolicited commercial electronic mail is currently estimated to account for over half of all electronic mail traffic, up from an estimated 7 percent in 2001, and the volume continues to rise. Most of these messages are fraudulent or deceptive in one or more respects.The receipt of unsolicited commercial electronic mail may result in costs to recipients who cannot refuse to accept such mail and who incur costs for the storage of such mail, or for the time spent accessing, reviewing, and discarding such mail, or for both. The receipt of a large number of unwanted messages also decreases the convenience of electronic mail and creates a risk that wanted electronic mail messages, both commercial and noncommercial, will be lost, overlooked, or discarded amidst the larger volume of unwanted messages, thus reducing the reliability and usefulness of electronic mail to the recipient. Some commercial electronic mail contains material that many recipients may consider vulgar or pornographic in nature.The growth in unsolicited commercial electronic mail imposes significant monetary costs on providers of Internet access services, businesses, and educational and nonprofit institutions that carry and receive such mail, as there is a finite volume of mail that such providers, businesses, and institutions can handle without further investment in infrastructure. Many senders of unsolicited commercial electronic mail purposefully disguise the source of such mail.Many senders of unsolicited commercial electronic mail purposefully include misleading information in the messages’’ subject lines in order to induce the recipients to view the messages. While some senders of commercial electronic mail messages provide simple and reliable ways for recipients to reject (or ’’opt-out’’ of) receipt of commercial electronic mail from such senders in the future, other senders provide no such ’’opt-out’’ mechanism, or refuse to honor the requests of recipients not to receive electronic mail from such senders in the future, or both.Many senders of bulk unsolicited commercial electronic mail use computer programs to gather large numbers of electronic mail addresses on an automated basis from Internet websites or online services where users must post their addresses in order to make full use of the website or service.The problems associated with the rapid growth and abuse of unsolicited commercial electronic mail cannot be solved by the government alone. The development and adoption of technological approaches and the pursuit of cooperative efforts with other countries will be necessary as well.

The unwanted e-mail problem can be solved if________.

A．the government takes action

B．a new technology is adopted

C．more people are aware of the problem

D．joint efforts are made and new technology is used
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单项选择题

精液中无果糖可见于

A．阴囊炎

B．前列腺炎

C．睾丸炎

D．精囊阻塞

E．射精管阻塞
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