问题 单项选择题

符合《巴塞尔新资本协议》要求的客户信用评级必须具有的功能不包括( )。

A.能够有效区分违约客户

B.能够准确量化客户违约风险

C.不同信用等级的客户违约风险随信用等级的下降而呈加速下降的趋势

D.能够估计各信用等级的违约概率,并将估计的违约概率与实际违约频率的误差控制在一定范围内

答案

参考答案:C

解析: 符合《巴塞尔新资本协议》要求的客户信用评级必须能够有效区分违约客户,即不同信用等级的客户违约风险随信用等级的下降而呈加速上升的趋势,所以C选项说法错误。

单项选择题
阅读理解

阅读理解。

     Farmers grow cocoa trees in the shady areas of rainforests near the Earth's equator. These trees can be

difficult to grow. They require an exact amount of water, warmth, soil and protection. After about five years,

cocoa trees start producing large fruits called pods. The seeds inside these pods are harvested to make

chocolate.

     Today we travel around the world exploring the history of chocolate. Its story begins with a plant whose

scientific name, The obroma cocoa, means "food of the gods". People have been enjoying the rich flavor of

chocolate, a product made from this plant.

     Most people know that chocolate is made from cocoa and that the origins of chocolate can be traced back

to Central and South America. For centuries, the natives there regarded cocoa as a gift from the gods. But how

did chocolate go from being the food of the gods to being the food of love?

     Historians believe the Maya of Central America first learned to farm cocoa plants around two thousand

years ago. The Maya took the cocoa trees from the rainforests and grew them in their gardens. They cooked

the cocoa seeds, and then crushed them into a soft substance. They used the cocoa bean as the main part in a

dark, bitter drink that we would call"chocolate". They believed that chocolate had mystical characteristics-but

cocoa also had commercial (商业的)value. In fact, cocoa beans were used as a form of currency that was

worth its weight in gold!

     The explorer Christopher Columbus brought cocoa seeds to Spain after his trip to Central America in 1502.

But the Spanish explorer Conquistador Hernando Cortez was the first European explorer to realize cocoa's

commercial possibilities. When he arrived in the New World in 1519, he soon established his own cocoa

factory. In 1529, Cortez returned to Spain and introduced chocolate - as a drink mixed with sugar, vanilla, and

cinnamon-to European society.

     The wealthy people of Spain first enjoyed a sweetened type of the chocolate drink. Later, the popularity

of the drink spread throughout Europe. The English, Dutch and French began to plant cocoa trees in their own

countries. Chocolate remained a drink that only wealthy people could afford to drink until the eighteenth

century. During the period known as the Industrial Revolution, new technologies helped make chocolate less

costly to produce.

     It caught on-especially with the noble people, who enjoyed hot chocolate as an aphrodisiac (a kind of

medicine). As its popularity spread, people found new ways to make and use chocolate. These days, chocolate

is enjoyed as both a tasty treat and a romantic gift everywhere.

1. According to historians, cacao trees were first planted in _____.

A. South America

B. Central America

C. Spain.

D. Africa

2. Cocoa trees are difficult to grow because they require these EXCEPT _____.

A. protection

B. warmth

C. soil of good quality

D. plenty of fertilizer

3. According to the passage, which one is NOT RIGHT?

A. Christopher Columbus brought cacao seeds to Central America.

B. The wealthy people of Spain first didn't enjoy a chocolate drink.

C. Chocolate is made from the branches of coco trees.

D. At first only wealthy people could afford to drink chocolate.

4. Which is the right order of the events according to when they happened?

① The English, Dutch and French began to plant cocoa trees in their own colonies.

② Christopher Columbus brought cocoa seeds to Spain.

③ Cortez set up his own cocoa plantation.

④ Cortez introduced chocolate to European society.

A. ②③④①

B. ②③①④

C. ②④③①

D. ③②④①

5. Which of the following might be the best title for the passage?

A. History of chocolate, as rich as its taste.

B. Chocolate, food of the gods.

C. Value of chocolate, as costly as gold.

D. Chocolate, food of love.