下列关于先进的风险管理理念，说法不正确的是（）。
A．风险管理的目标是通过主动的风险管理过程实现风险与收益的平衡
B．高风险管理水平的企业控制风险与收益的能力强
C．商业银行风险管理的目标是提高承担风险的所带来的收益
D．商业银行是仅仅经营货币的金融机构
参考答案：D
解析：
风险管理水平体现商业银行的核心竞争力，是创造资本增值和股东回报的重要手段。商业银行不再是传统意义上经营货币的金融机构，而是经营风险的特殊企业。
完形填空（15分） This morning I got a funny feeling. Today I had to give a report in my __1__ , and I had been doing this for a long time! Mum came into the kitchen asking,” Are you ready,__2__ ?” “Yes,” I answered quietly. __3__ in fact I wasn’t really ready!” On my way __4__ school, I could feel my heart beating fast. I hated this. I went into Mrs. Owen’s class. She is smiling, and saying __5__ to all her students as she did every morning . “Hi, Sam,” she said to me as I walked __6__ the classroom. “Hi,” I said and quickly sat in my __7__. I looked at the clock. The class was about to begin. Then Mrs. Owens started , “Sam, it’s time for you to give your speech.” __8__in front of everybody? Oh, no! I got up slowly, looking __9__ the ground as I walked to the front of the classroom. Then, I looked up , and everyone was looking at me. Mrs. Owens knew I was __10__, so she came beside me, and put her hand on my back. She said to the class, “Sam has worked very hard on his __11__ and I know it is a very interesting report.” Then she turned to me and asked, “Sam, __12__ did you like best about report on Hawaii?” I thought about the funny things I had read about surfing , and I started to __13__. I talked and talked __14__ the whole class, and I was not nervous at all. It was great fun. I wasn’t frightened. The class cheered as I finished and Mrs. Owens was __15__.
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