快乐阅读，判断正(T)误(F)。

      There are four seasons in a year, spring, summer, fall and winter. In spring, Beijing is warm and windy.

I often wear my sweater. I can fly kites. In summer, it's very hot. I wear my shorts and T-shirt. I can swim.

In fall, it's cool. I put on my pants and jacket. I can eat many fruits. In winter, it's cold. I put on my winter coat.

I can make a snowman.

( ) 1. In spring, Beijing is hot and sunny.

( ) 2. In Beijing, summer is cool.

( ) 3. We can wear pants and jacket in fall.

( ) 4. We can see snow in winter.

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犁，全面反映行业各个方面的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，并制定具体的行业授信政策