问题 单项选择题

下列有关利率风险的说法,正确的是()。

A.若银行以短期存款作为长期固定利率贷款的融资来源,当利率下降时,银行的未来收益将减少

B.存款人根据利率变动重新安排存款,借款人根据利率变动重新安排贷款,银行收益不受影响

C.银行利用5年期的政府债券的空头头寸为10年期政府债券的多头头寸进行保值,就不会存在收益率曲线风险

D.当利率敏感性负债与利率敏感性资产的重新定价期限完全相同时,银行同样可能面临基准风险

答案

参考答案:D

解析:

风险会一直存在。利率下降时,银行的未来收益将增加,因为短期存款需要支付的利息变少了,而长期贷款所得到的利息还是按以前的利率计算的。存款人和借款人的重新安排是会影响银行的收益的。

写作题

第二节:读写任务(25分)

阅读下面的短文,然后按照要求写一篇150词左右的英语短文。

What Is the Use of Examinations?

A good education should make people think for themselves. But the exam can never do anything like that.

First, examinations are second to none because it brings anxiety to students. As a child begins school, he enters a world of terrible competition.

Second, exams do not interest students to read or to learn widely. They do not help students to look for more and more knowledge, but try to put as much as possible into the students' head.

Thirdly, they lower the standards of teaching for they do not give any freedom to teachers to decide what to teach. Teachers themselves have no choice but to train their students in exam skills.  The most successful students are not always the best educated but the best trained in the skills of exams.

Fourth, they tell you nothing about a person’s true ability. The exams are often nothing more than a subjective assessment ( 主观评价) by some examiners.

However, if there are no exams, few students or even no one will do any revision or study!

[任务说明]

你要参加一场英语演讲比赛,主题是“中学生学习成绩与能力的相互关系”。在参赛之前,你要查阅相关资料,并准备你的演讲发言:请认真阅读下面的短文,然后完成以下的任务。

1)概括短文的内容要点,该部分的字数大约30;

2)就“学生学习成绩与能力的相互关系”这个主题发表你的看法,至少包括以下的内容要点,该部分的字数大约120词;

a)你在考试之前心情是怎样的?

b)你在考试之前通常准备些什么?举个例子说明。

c)你的班级里学习好的同学平时是怎样备考的?

d)你认为考试成绩能完全反映你的学习能力吗?

[写作要求]

你可以使用实例或其它论述方法支持你的论点,也可以参照阅读材料的内容,但不要抄袭阅读材料中的句子。

[评分标准]

概括的准确性、语言的规范性、内容的合适性以及篇章的连贯性;

单项选择题