问题 单项选择题

下列关于商业银行的政策风险说法不正确的是( )。

A.政策风险指政府政策或法律变化时给银行带来的风险,属于非系统性风险

B.政策性风险可能对购房人资格的政策性和购房人资格造成政策性限制

C.抵押品也可能存在政策性风险

D.由于政策性风险来自银行外部,单一行业、单一银行无法避免

答案

参考答案:A

解析:政策风险是指由于政府的金融政策或相关法律、法规发生重大变化而导致的市场变动给商业银行带来的风险。由于政策风险来自银行业外部,因此单一银行无法避免,属于个人住房贷款中的系统性风险之一。

选择题
阅读理解

请阅读下列短文,从每题所给的四个选项(A、B、C和D)中,选出最佳选项,并在答题卡上将该选项的标号涂黑。

Sitting on the peaceful coast of Galapagos Islands. Ecuador, watching the sun move quietly into the sea, you shouldn’t forget that Charles Darwin (1809-1882) arrived here in 1835. He stayed on the islands for five weeks, observing various animals. This finally inspired (启发) his famous work, On the Origin of Species. You can certainly follow Darwin’s footsteps and enjoy a trip from four to seven days to the islands.

The most well-known animals of the Galapagos is the giant tortoise(巨型海龟),which can be seen moving slowly around the highlands of Santa Cruz, the second largest island in the archipelago (群岛). Some of these creatures are so old that they might have been in their youth by Darwin himself.

Despite strict control over activities and timing, your stay on the Galapagos will be remembered as a chain of incomparable pictures; diving with sea lions that swim and play within inches of you; feeling small sharks touch your feet as you swim; and most magically, seeing a whale and her baby surface with a great breath of air.

Travelling between the islands and observing the wildlife that so inspired Darwin, so you will feel as though you are getting a special view of an untouched world. At night you will sleep on board the ship, leaving the wildlife in complete occupation of the islands, which are as undisturbed now as they have been since the beginning of time.

小题1:What do we know about Danwin’s visit to the islands?

A.He studied different creatures on the islands

B.He completed his famous book on the islands

C.He was touched by the geography of the islands

D.He was attracted by well-know animals of the islands小题2:which of the following plays a role in making the islands “a paradise for wildlife”?

A.Animals on the islands feed on grass。

B.Local government forbids killing wildlife.

C.People cannot visit the islands as they wish.

D.tourists are not allowed to touch the animals。小题3:Your stay on the islands will be most impressive mainly because of         .

A.The beautiful sea views

B.Darwin’s inspiring trip

C.a closer view of animals

D.various daring activities小题4:which of the following would be the best title for the passage ?

A.A Unique Attraction for wildlife Lovers

B.Calapagos as a Paradise for Aentures

C.Charles Darwin as a symbol of Calapagos

D.A successful Example of wildlife protection