问题 单项选择题

下列关于行业风险管理的说法,错误的是( )。

A.行业风险管理是运用一些指标和数学模型,全面反映行业各方面风险因素的一种活动

B.行业风险管理主要反映的行业风险因素包括周期性风险、成长性风险、地方保护主义、市场集中度风险、行业壁垒风险、宏观政策风险等

C.行业风险管理中需对风险进行量化评价

D.行业风险管理的最终目的是帮助银行确定授信资产的行业布局和调整战略,制定具体的行业授信政策

答案

参考答案:B

解析:行业风险管理是运用相关指标和数学模型,全面反映行业的周期性风险、成长性风险、产业关联度风险、市场集中度风险、行业壁垒风险、宏观政策风险等各个方面的风险因素,在行业风险量化评价的基础上,确定一家银行授信资产的行业布局和调整战略,并制定具体的行业授信政策等。所以,选项A、C、D的叙述均是正确的,选项B的叙述是不正确的。选项B中,地方保护主义风险属于区域风险,不属于行业风险。因此,本题的正确答案为B。

完形填空

阅读下面短文,并根据文章后的要求答题(请注意问题后的词数要求)。

(1)Although many Chinese students say they have a good knowledge of English grammar, most would admit(承认) that their spoken English is poor. Whenever I speak to Chinese students, they always say, “My spoken English is poor.” However, their spoken English does not have to remain poor! I would suggest that there may be some reasons for their problems with spoken English.

First, they can’t find suitable words to express themselves because of limited vocabulary. Clearly the better answer is to expand(扩展) their vocabulary. However, you can speak with a limited vocabulary if your attitude is positive. Others will follow you as long as you use the words that you know.

(3)Second, they are afraid of _____________________. Sometimes they make mistakes when they are speaking because they are shy and nervous. Yet students should remember that their goal should be FLUENCY AND ACCURACY. You want to make yourself understood, to talk to someone in English ,as quickly and as well as you can, even if sometimes you may use a wrong word or tense, but it doesn’t matter because the person you are speaking to will understand you and ignore your mistakes.

(4)Third, no enough attention is paid to listening. You have one mouth but two ears! All that is heard is necessary for you to start speaking.

(5)Fourth, most Chinese students are inactive rather than active language learners. Instead of actively finding opportunities to improve their spoken English, they passively wait for speaking opportunities(机会) to come to them and wonder why their spoken English always remains poor. If you have positive attitude, then you will see English opportunities wherever you go.

小题1:What’s the main idea of the passage?( no more than 10 words)

小题2:Fill in the blank in Para 3 with proper words. (no more than 3 words)

小题3:What does the underlined word “they” in Para 5 mean?(no more than 3 words)

小题4:Complete the following statement with proper words. (no more than 2 words)

They don’t know how to express their meaning properly because of __________.

小题5:What does the writer think most Chinese students should do to improve their spoken English according to Para 5 ?  ( no more than 10 words)

单项选择题 A1/A2型题