问题 单项选择题

专家系统在分析信用风险时,需要考虑与借款人有关的因素,下列说法错误的是( )。

A.如果某人过去借款总能及时、全额地偿还本金与利息,那么他就能较容易或以较低的价格从商业银行获得贷款
B.资产负债比率对借款人违约概率的影响较大
C.在期望收益相等的条件下,收益波动性较低的企业更容易违约
D.一般来说,收益波动性大的企业在获得银行贷款方面比较困难

答案

参考答案:C

解析: 在期望收益相等的条件下,收益波动性较高的企业更容易违约。

阅读理解

I came to India a year ago to find a village in which I could live and write but it was many months before I settled down happily in this Himalayan community.

I wasted a lot of time looking for the “typical” village. Yet no such thing exists. Conditions are quite different from village to village. But the villages I stayed in had much in common---poor, dirty and backward. Often the villagers themselves were puzzled and doubtful. Why had I come? I had put aside my work as a political journalist because my ideas had changed. I had come to believe that what was happening in the Third World was more important than anything else. But to understand how three—quarters of the world population live, and what effect their future might have on ours, I felt that I first had to try and share their way of life.

In the end I chose a mountain village because it was little cooler than those in the plains. I took the bus from town along a rocky road. Then came a rough walk down a steep path to the river. After this I began the climb into the hills. Whenever I stopped to catch my breath, there was a beautiful scene. After several hours’ walk the village came into sight.

小题1:After the writer had arrived in India,________.

A.he spent a year writing about the place he lived in

B.he spent quite some time looking for a suitable place to live in

C.he stayed in an Indian village working for the poor

D.he lived in a Himalayan community for many months.小题2:While looking for a typical village, the writer found__________.

A.he was searching for the impossible

B.all the villages were exactly the same

C.he was doing something enjoyable

D.the villagers were curious about him小题3:Before coming to India, the writer________.

A.had been a successful politician

B.had made a decision to work for India

C.had studied India culture for some months

D.had worked for newspapers and magazines小题4:The write decided to change his way of life because__________.

A.he no longer found his work interesting

B.he hoped to live a peaceful life in the countryside

C.he wanted to find out more about the Third World

D.he wanted to try his luck in a foreign country小题5:The village the writer finally chose to live in_________.

A.lay at the end of a rocky road

B.had a beautiful sight of the river

C.was a short walk from the river

D.had better weather than those in the plains.

填空题