问题 单项选择题

个人客户信用风险评估衡量中,最古老的信用风险分析方法是()。

A.模型分析法

B.专家判断法

C.信用评分法

D.风险来源分析法

答案

参考答案:B

解析:长期以来,国际金融界对信用风险衡量日益关注,先后研发出专家判断方法、模型分析方法等。专家判断法是一种最古老的信用风险分析方法,它是商业银行长期信贷活动中所形成的一种行之有效的信贷风险分析和管理制度。

阅读理解

       Now we can see a man and his wife at the breakfast table. They are not speaking to each other. They

haven't spoken to each other at the breakfast table for years. The husband is reading his newspaper. We

can’t see his face. The wife looks very worried as she gets a cup of tea ready for him. Today she is using a new kind of tea for the first time. The husband picks up his cup. He isn't interested. He tastes his tea.

Suddenly he puts down his newspaper. Something is different! Can it be the tea? He takes another taste.

It's wonderful. He smiles. He looks at his wife and says in surprise, "Doris, when did you cut your hair?"

Doris is pleased. She answers, "Two months ago." Doris asks, " Herbie , when did your hair begin to

become white?" He answers, "A long time ago." Doris says, "We have been together for many years, but we never cared about each other." Now they aren't worried any longer. Breakfast is different. Has a new

kind of tea changed their lives?

1. This story happens_______.  

A. before breakfast                  

B. after breakfast  

C. at home                        

D. in a teahouse

2. In the passage, we can see ______ .  

A. Doris is drinking tea              

B. Herbie likes the new kind of tea  

C. Doris is reading a newspaper        

D. Herbie is very young and good-looking

3. Herbie and Doris lived ______ before this day.  

A. a wonderful                      

B. an unhappy  

C. an enjoyable                    

D. a friendly

4. Which of the following statements is true?

A. They are good friends.            

B. They have just got married.  

C. They like to talk about their hair.    

D. They are no longer young.

单项选择题