在信贷市场上，由于借款人拥有比贷款人更多的信息，借款人掩盖风险，夸大回报，贷款人不完全了解借款人的风险状况，只能根据平均风险和回报确定利率，而风险大的借款人愿以更高的利率借款，利率高使风险小的借款人退出市场，从而使贷款的平均风险上升和预期利润下降。这反映了（）所导致的（）问题
A.信息不对称;道德风险
B.委托代理关系;激励
C.信息不对称;逆向选择
D.委托代理关系;约束
参考答案：C
| 阅读理解。 |
| It was late on a snowing night. Doctor Van was driving fast to the hospital to do an operation (手术) on a badly hurt (受伤的) person. Minutes later he came to a red traffic light and had to stop to wait. A man suddenly opened the door of the car and got in. "Drive on," shouted the man," Just do what I've told you to." The man was strong and tall while Doctor Van was not. "But I'm a doctor," Van tried to tell him what he was going to do. "I'm on my way to the hospital to save…" "Stop talking and drive faster, as fast as you can!" the man stopped Van and Van had to do so. Only a few minutes had passed when the man made Van stop his car again and drove him off, and he himself drove away very quickly. Van stood in the snow for a moment and then walked around to look for a taxi. Another half an hour had passed when Van got out of the taxi and ran into the hospital. But it was too late and nothing could be done. The man who had taken Van's car was standing by the person all the time. He was so sad! Only then did Van know that the man was the father of that badly hurt person! |
| 1. What was the weather like that night? |
[ ] |
| A. Rainy B. Snowy C. Windy D. Warm |
| 2. Who needed an operation at once? |
[ ] |
| A. Doctor Van. B. The man C. Doctor Van's son. D. The man's son. |
| 3. Why did the man take Van's car? |
[ ] |
| A. Because he was a doctor and had to get to the hospital as soon as possible. B. Because he wanted to use the car to see a friend who was in hospital and needed his help. C. Because he wanted to get to the hospital earlier than the doctor. D. Because he was worried about his son and could not wait to see him. |
| 4. Which of the following is not true? |
[ ] |
| A. The man lost his son. B. Doctor Van was stronger than the man. C. Doctors need cars. D. The weather was not fine that night. |
| 5. Which of the following can be the best title (标题) for this passage? |
[ ] |
| A. A Doctor Driving at Night. B. A Good Doctor Met a Bad Man. C. Too Worried to Be Helpful. D. How to Save a Badly Hurt Person. |