问题 单项选择题

在信用风险组合管理模型中,违约模型的重要输入参数不包括()。

A.贷款金额

B.回收率

C.回收率的波动性

D.贷款违约风险之间的相关性

答案

参考答案:C

解析:回收率的波动性不是重要输入参数,只是回收率的某参数指标。

填空题
单项选择题

阅读理解:请根据短文内容,为每题确定l个最佳选项。

How We Form First Impression。

We all have first impression of someone we just met. But why? Why do we form an opinion about someone without really knowing anything about him or her - aside perhaps from a few remarks or readily observable traits?

The answer is related to how your brain allows you to be aware of the world. Your brain is so sensitive in picking up facial traits. Even very minor difference in how a person’s eyes, ears, nose, or mouth are placed in relation to each other makes you see him or her as different. In fact, your brain continuously processes incoming sensory information - the sights and sounds of your world. These incoming signals are compared against a host of “memories” stored in the brain areas called the cortex(皮质) system to determine what these new signals “mean”.

If you see someone you know and like at school, your brain says “familiar and safe”. If you see someone new, it says, “new and potentially threatening”. Then your brain starts to match features of this strangers with other “known” memories. The more unfamiliar the characteristics, the more your brain may say, “This is new, I don’t like this person” Or else, “I’m intrigued(好奇的)”. Or your brain may perceive a new face but familiar clothes, ethnicity, gestures - like your other friends; so your brain says: “I like this person”. But these preliminary impressions can be dead wrong.

When we stereotype people, we use a less mature form of thinking (not unlike the immature thinking of a very young child) that makes simplistic and categorical impressions of others. Rather than learn about the depth and breadth of people - their history, interest, values, strengths, and true character - we categorize them as jocks(骗子), peeks(反常的人), or freaks(怪人).

However, if we resist initial stereotypical impressions, we have a chance to be aware of what a person is truly like. If we spend time with a person, hear about his or her life, hopes, dreams, and become aware of our cortex, which allow us to be humane.

If you meet a stranger with familiar gestures, your brain is most likely to say_______.

A.“He is familiar and safe.”

B.“He is new and potentially threatening.”

C.“I like this person.”

D.“This is new, I don’t like this person.”