问题 单项选择题

下列有关利率风险的说法,正确的是( )。

A.若银行以短期存款作为长期固定利率贷款的融资来源,当利率下降时,银行的未来收益将减少

B.存款人根据利率变动重新安排存款,借款人根据利率变动重新安排贷款,银行收益不受影响

C.银行利用5年期的政府债券的空头头寸为10年期政府债券的多头头寸进行保值,就不会存在收益率曲线风险

D.当利率敏感性负债与利率敏感性资产的重新定价期限完全相同时,银行同样可能面临基准风险

答案

参考答案:D

解析: A项中,利率下降时,银行的未来收益将增加,因为短期存款需要支付的利息变少了,而长期贷款所得到的利息还是按以前的利率计算的。B项中,存款人和借款人的重新安排是会影响银行的收益的。

选择题
阅读理解

(十)

The first breath-taking pictures of the Earth taken from space showed it as a solid ball covered by brown land masses and blue-green oceans. We had never seen the Earth from that distance before. To us, it appeared as though the Earth had always looked that way and always would. Scientists now know, however, that the surface of the Earth is not as permanent as we had thought.

Scientists explain that the surface of our planet is always moving. Continents moves about the Earth like huge ships at sea. They float on pieces of the Earth’s outer skin. New outer skin is created as melted rock pushed up from below the ocean floor. Old outer skin is destroyed as it rolls down into the hot area and melts again.

Only since the 1960s have scientists really began to understand that the planet Earth is a great living machine. Some experts have said this new understanding is one of the most important revolutions in scientific thought. The revolution is based on the work of scientists who study the movement of the continents—a science called plate tectonics.

The modern story of plate tectonics begins with the German scientist Alfred Wegener. Before World War One, Wegener argued that the continents had moved and were still moving. He said the idea first occurred to him when he observed that the coastlines of South America and Africa could fit together like two pieces of a puzzle. He proposed that the two continents might have been one and then split apart.

Wegener was not the first person to wonder about the shape of the continents. About 500 years ago, explorers thought about it when they made the first maps of Americas. The explorers noted the east coast of North America and South America would fit almost exactly into the west coast of Europe and South Africa. What the explorers did not do, but Wegener did, was to investigate the idea that the continents move.

1. What does the writer mainly tell us in the passage?

A. The first breath-taking pictures of the Earth taken from space.

B. Human’s recognition of the earth’s surface.

C. The German scientist Alfred Wegener.

D. The early explorers’ discovery.

2. Which of the following is true according to the passage?

A. We didn’t see the Earth from far away until we saw the picture taken in the space.

B. Our ancient thought that the surface of the earth is still.

C. Alfred Wegener was not the first person to investigate the idea that the continents move.

D. The coastline of India and Africa fit together.

3. The last word of the third paragraph “tectonics” mean “________”.

A. study of construction

B. study of architecture

C. earth surface

D. structural geology

4. What did the explorers find?

A. The coastlines of South America and Africa could fit together.

B. The coastlines of North America and Africa could fit together.

C. The east coastlines of North America and the west coast of Europe could fit together.

D.The coastlines of North America and India could fit together.