问题 多项选择题

商业银行下列情形中,主要面临汇率风险的有()。

A.银行因对外币走势具有某种预期而持有的外币头寸

B.为客户提供外汇交易服务时未能立即轧平的外币头寸

C.外币贷款的借款人出现违约行为

D.外汇衍生产品的交易对手未能如期履行合约

E.银行资产与负债之间的币种不匹配

答案

参考答案:A, B, E

解析:根据上述业务活动,可以将汇率风险大致分为以下两类:①外汇交易风险。银行的外汇交易风险主要来自两个方面:一是为客户提供外汇交易服务时采取立即进行对冲的外汇敞口头寸;二是银行对外币走势有某种预期而持有的外汇敞口头寸。②外汇结构性风险。是因为银行资产、负债之间的币种不匹配而产生的,也包括商业银行在对资产负债表的会计处理中,将功能货币转换成记账货币,因汇率变动产生的风险。C、D两项均属于信用风险的范畴。

阅读理解

Many people take trains for their trips in China, because the train is fast and cheap. But there are many problems when people take trains. It’s not easy to take trains when it is a festival. Lots of people hope someone can solve (解决) the problems.

Then, the CRH (和谐号列车) trains come out. The first CRH train from Beijing to Tianjin runs in August, 2008. CRH1 and CRH2 can go up to 200 km/h, and CRH3 can run 300 km/h. Taking CRH trains is more expensive than taking a traditional train, but cheaper than taking a plane. Some people think the CRH trains and their workers are good, and they enjoy the trips by CRH train.

China starts to make a CRH train, 350 kilometres an hour from Beijing to Shanghai. It can save people more time than taking the traditional trains.

Can CRH trains solve the problems? “Of course not. There is still a long way to go,” about 80% of the people answer.

小题1:The first CRH train runs __________.

A.in August, 2009

B.in May, 2008

C.in August, 2008

D.in June, 2010小题2: How fast does the CRH train from Beijing to Shanghai?

A.100 km/h

B.200 km/h

C.300 km/h

D.350 km/h小题3: The word “save” means __________ in Chinese.

A.浪费

B.节省

C.积攒

D.拖延小题4: Which of the following is right about the CRH trains?

A.The workers on the first CRH train are not kind.

B.It costs people more money to take CRH trains than to take planes.

C.CRH3 train runs slower than CRH1 and CRH2.

D.Taking CRH train is expensive but it is fast.小题5:Can CRH trains solve all the traffic problems?

A.Of course they can.

B.Yes, all the people think they can.

C.Of course they can not.

D.About 80% of the people think they can.

填空题