问题 单项选择题

下面关予风险控制计划的描述,不正确的是()。

A.商业银行的董事会和高级管理层应慎重决定商业银行是否销售以及销售哪些类型的理财计划

B.商业银行应明确每个理财计划所能承受的风险程度

C.商业银行设立的可承受的风险程度应当是定性指标

D.商业银行应明确划分相关部门或人员在理财计划风险管理方面的权限与责任

答案

参考答案:C

解析:《商业银行个人理财业务风险管理指引》第三十八条规定,商业银行的董事会或上级管理层应根据本行理财计划的发展策略、资本实力和管理能力,确定本行理财计划所能承受的总体风险程度,并明确每个理财计划所能承受的风险程度。可承受的风险程度应当是量化指标(不是定性指标),可以与商业银行的资本总额相联系,也可以与个人理财业务收入等其他指标相联系,故选C。

阅读理解

A Golden Watch

Mike was a young man. He was not very rich. One day he went into a watch shop to buy a nice watch for his girl friend, Rose. His fixed his eyes on a nice gold watch, and decided to buy it. The shop assistant took the watch out, and asked for three hundred pounds for it. Just then, a boy of about fifteen suddenly rushed over and grasped the watch from the assistant’s hand. The assistant hurried out to catch the boy. But it was too late, the boy had disappeared among the street people very quickly. On the way home, Mike met the boy, who would sell him the gold watch for only hundred pounds. “The boy didn’t know that I saw him stealing the watch from the shop. And he asked for much less money than that in the shop.” Mike thought to himself. So he paid the boy and took the watch home. The next day, Mike gave the golden watch to Rose, and told her all about the watch. Rose looked at the watch for a while, then, laughed loudly, “You are really a fool!” she said, “his watch isn’t worth 100 pounds at all. The assistant and the boy must have planned the whole thing together.”

小题1:The shop assistant said the price of the watch was ____.

A. 100 pounds  B. 200 pounds  C. 300 pounds

小题2:The shop assistant must have known _____ very well.

A. Mike  B. the boy  C. Rose

小题3:The boy would sell Mike the watch for _____.

A.200 pounds  B. 300 pounds  C. much less money than that in the shop

小题4:In fact, the watch was worth ____.

A. 100 pounds  B. 300 pounds  C. just a little money

小题5:In this story, who really lost something?

A. The shop assistant  B. Mike  C. The boy

单项选择题