根据《商业银行个人理财业务管理暂行办法》的规定，商业银行开展个人理财业务有( )情形之一，并造成客户经济损失的，应按照有关法律规定或者合同的约定承担责任。
A．将一般储蓄存款产品作为理财计划销售并违反国家利率管理政策，进行变相高息揽储的
B．商业银行未保存有关客户评估记录和相关资料，不能证明理财计划或产品的销售是符合客户利益原则的
C．商业银行未按客户指令进行操作
D．不具备理财业务人员资格的业务人员向客户提供理财顾问服务、销售理财计划或产品的
E．提供虚假的成本收益分析报告或风险收益预测数据的
参考答案：B,C,D
解析： 题中所述的主要情形包括：①商业银行未保存有关客户评估记录和相关资料，不能证明理财计划或产品的销售是符合客户利益原则的；②商业银行未按客户指令进行操作，或者未保存相关证明文件的；③不具备理财业务人员资格的业务人员向客户提供理财顾问服务、销售理财计划或产品的。出现AE两项情形的，由银行业监督管理机构依据《银行业监督管理法》的规定实施处罚。
| 阅读短文，从方框内所给的ABCDE中，选出恰当的一项还原到文中合适的位置，使文章意思完整。 | |||||
| We sometimes call the lion“the king of the jungle”because it is stronger and more dangerous than other animals. 1 It is the highest animal in the land food chain. In the sea, the shark is one of the animals at the top of the food chain. It can swim faster than most other sea animals. 2 3 People are! We are not the biggest or fastest, but we are the cleverest. We could not run faster than cheetahs, so we invented cars and now we can move the fastest. We could not fight better than lions, so we invented guns. Now we can hunt the best. People’s inventions are clever, but they can be dangerous, too. For example, people invented factories, and now they make the air and rivers dirty. 4 Dirty rivers kill fish, then bears cannot eat the fish and die. If we kill one part of the food chain, other parts also die. Rememberthat we are part of the food chain, so we are in danger, too! 5 We should and we could do something for the world!
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