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问题 多项选择题

目前我国商业银行正加大力度改进信用风险分析方法和技术，逐步从侧重定性分析向定性分析与定量分析并重的方向转变，并积极学习较为具体的定量分析方法如财务预测模型等。下列选项中，符合这一转变方向的有（）。

A.在信贷业务拓展方面，由以"肝功能"强化客户关系为主导，转变为向客户提供高素质的顾问式服务

B.在信贷分析评审方面，由较多依靠信贷人员的经验和判断，转变为会用数字和模型进行科学分析

C.在信贷财务分析方面，由侧重历史财务指标，转变为进行全面财务预测

D.在员工素质提升方面，由注重理论知识的讲座，转变为注重分析操作技能的培训

E.在信贷文化推广方面，由文件中的科学发展观理念，转变为全员使用统一的财务预测模型等科学的信用分析方法

答案

参考答案：A, B, C, D, E

单项选择题

Phyllis Wheatley is regarded as America’s first black poet. She was born in Senegal, Africa, about 1753 and brought to America aboard a slave ship at about the age of seven. John and Susannah Wheatley bought her for three pounds at a slave auction in Boston in 1761 to be a personal servant of Mrs. Wheatley. The family had three other slaves, and all were treated with respect. Phyllis was soon accepted as one of the family, which included being raised and educated with the Wheatley’s twin 15-year-old children, Mary and Nathaniel. At that time, most females, even from better families, could not read and write, but Mary was probably one of the best educated young women in Boston. Mary wanted to become a teacher, and in fact, it was Mary who decided to take charge of Phyllis’s education. Phyllis soon displayed her remarkable talents. At the age of twelve she was reading the Greek and Latin classics and passages from the Bible. And eventually, Mrs. Wheatley decided Phyllis should become a Christian.
At the age of thirteen Phyllis wrote her first poem. She became a Boston sensation after she wrote a poem on the death of the evangelical preacher George Whitfield in 1770. It became common practice in Boston to have" Mrs. Wheatley’s Phyllis" read poetry in polite society. Mary married in 1771, and Phyllis later moved to the country because of poor health, as a teacher and caretaker to a farmer’s three children. Mary had tried to interest publishers in Phyllis’s poems but once they heard she was a Negro they weren’t interested.
Then in 1773 Phyllis went with Nathaniel, who was now a businessman, to London. It was thought that a sea voyage might improve her health. Thirty-nine of her poems were published in London as Poems on Various Subjects, Religious and Moral. It was the first book published by a black American. In 1775 Phyllis wrote a poem extolling the accomplishments of George Washington and sent it to him. He responded by praising her talents and inviting her to visit his headquarters. After both of her benefactors died in 1777, and Mary died in 1778, Phyllis was freed as a slave. She married in 1778, moved away from Boston, and had three children. But after the unhappy marriage, she moved back to Boston, and died in poverty at the age of thirty.

The word "extolling" is closest in meaning to ______.

A．welcoming

B．stating

C．bemoaning

D．praising
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判断题

银监会的成立，最终完成了我国对银行、证券、保险业分业监管的模式。
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