问题 单项选择题

以下关于评价信贷资产质量的指标表述不正确的是( )。

A.信贷平均损失比率越高,区域风险越大
B.信贷平均损失比率从静态上反映了目标区域信贷资产整体质量
C.信贷资产相对不良率越高,区域风险越高
D.不良率变幅为负,说明资产质量下降,区域风险上升

答案

参考答案:D

解析: 评价信贷资产质量主要有以下几个指标:
①信贷平均损失比率。用于评价区域全部信贷资产的损失情况,指标越高,区域风险越大。该指标从静态上反映了目标区域信贷资产整体质量。
②信贷资产相对不良率。指标越高,区域风险越高。该指标大于1时,说明目标区域信贷风险高于银行一般水平。
③不良率变幅。指标为负,说明资产质量上升,区域风险下降;指标为正,说明资产质量下降,区域风险上升。
④信贷余额扩张系数。指标小于0时,目标区域信贷增长相对较慢,负数较大意味着信贷处于萎缩状态;指标过大则说明区域信贷增长速度过快。扩张系数过大或过小都可能导致风险上升。该指标侧重考查因区域信贷投放速度过快而产生扩张性风险。
⑤利息实收率。
⑥加权平均期限。

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     My daughter had signed an organ donor card, but my husband and I did not know it. We learned
about our daughter's decision after she was __1__ injured in a car crash. Doctors __2__ on her for 20
hours and couldn't save her life. Finally, the doctor in charge told us our daughter was brain dead. Did
we want to __3__ organ donation?
     I was already in shock. The __4__ of donating my daughter's organs was another shock and I was
__5__ about my 15yearold twin grandsons. They had just lost their mother and we had lost our daughter. The doctor __6__ the organ harvesting procedure, but I did not want to hear it.
     We __7__ to organ donation and signed the legal papers. The twins said their last goodbye to their
mother and the images of their sorrow are __8__ in my mind until now. Two days later we received a
__9__ from the organ donor organization. Our daughter's organs had __10__ three lives. Thanks to her
generosity, two strangers now see.
     Weeks later, we received a certificate from the organ donor organization in __11__ of our daughter.
The twins received individual certificates and hardly glanced at them. I fully understood their __12__.
They did not want any certificates, they wanted their mother __13__ and we wanted our daughter.
     The sadness associated with organ donation is a __14__ thing. First, it makes the ending of death all
too clear. Secondly, I find a measure of comfort in the __15__ that my daughter was an organ donor.
My daughter cared about others and this caring continued after her death.
      Organ donation did not give me a sense of control, but it did give me a sense of giving. Nothing is
more caring than signing an organ donor card. I also know my family will find comfort in my daughter's
generosity.
( )1.A. partly  
( )2.A. insisted    
( )3.A. go on with  
( )4.A. knock        
( )5.A. certain      
( )6.A. described    
( )7.A. stuck        
( )8.A. cloudy      
( )9.A. call        
( )10.A. created    
( )11.A. danger      
( )12.A. reaction    
( )13.A. away        
( )14.A. clumsy      
( )15.A. place      
B. slightly      
B. turned        
B. compare with  
B. difficulty    
B. pleased      
B. learned      
B. agreed        
B. unknown      
B. passport      
B. lost          
B. recognition  
B. trick        
B. off          
B. strange      
B. reason        
C. severely    
C. waited      
C. mix with    
C. response    
C. worried      
C. praised      
C. referred    
C. dark        
C. handbag      
C. saved        
C. search      
C. decision    
C. back        
C. popular      
C. cause        
D. hardly      
D. operated    
D. deal with  
D. thought    
D. excited    
D. regretted  
D. objected    
D. clear      
D. gift        
D. taken      
D. case        
D. suggestion  
D. in          
D. different  
D. fact        
单项选择题