问题 单项选择题

在绝大多数情况下,银行的久期缺口都为正值。当市场利率上升时,银行的市场价值将( );当市场利率下降时,银行的市场价值将( )。

A.增加,增加

B.减少,减少

C.增加,减少

D.减少,增加

答案

参考答案:D

解析: 银行的久期缺口为正值时,如果市场利率下降,则资产与负债的价值都会增加,但资产价值增加的幅度比负债价值增加的幅度大,银行最终的市场价值将增加;如果市场利率上升,则资产与负债的价值都将减少,而由于资产价值减少的幅度比负债价值减少的幅度大,银行的市场价值最终将减少。

阅读理解

What’s your favorite cartoon? It may be difficult for you to decide. But for pianist Lang Lang, Tom and Jerry is the best one.

When Lang was two years old, he saw Tom play the piano. This was his first time to enjoy western music and this experience encouraged him to learn to play the piano.

His talent at the keyboard has taken him from Shenyang to the world. Lang became a good piano student at three. Ever since, the boy has been doing better and better. In 1997, the 15-year-old boy studied at a famous American music college.

Lang’s performances are energetic. He is well-known for making facial (面部的)expressions and moving around while playing the piano.

The road to success has never been easy. Lang’s father stopped his job to look after him, while his mother stayed in Shenyang to make money. But Lang thinks himself lucky and believes he should give something back. He has helped the children in poor areas a lot.

小题1:What made Langlang first enjoy western music?

A.When he played the piano at three.

B.When he saw Tom play the piano at two.

C.When he listened to the western music on the radio.

D.When his father taught him to read music.小题2:How old was Langlang when he became a student of a famous American music college?

A.two

B.three

C.five

D.fifteen小题3:What is Langlang famous for?

A.He is famous for playing the guitar.

B.He is famous for singing

C.He is famous for writing music.

D.He is famous for making facial (面部的)expressions and moving around while playing the piano.小题4:Why did Langlang’s mother stay in Shenyang?

A.Because she liked Shenyang, she didn’t want to leave.

B.Because she had to look after Langlang’s grandparents.

C.Because she had to make money to pay for Langlang’s education.

D.Because she didn’t love her son.小题5: From the passage, we can say it _______ Langlang and his parents a lot of time to get success.

A.spent

B.paid

C.took

D.cost

多项选择题