从巴塞尔委员会的定义来看，商业银行的流动性风险来源于( )两个方面的原因。因为这两个方面的原因都会引发商业银行对于流动性的需求。
A．安全和收益
B．总行和分行
C．贷款和存款
D．资产和负债
参考答案：D
解析： 本题考查商业银行流动性风险的相关知识。单从所给选项可以分析出答案，A不会造成流动性风险；B与风险无关；C给出的原因过于具体简单。流动性风险是指商业银行无力为负债的减少和/或资产的增加提供融资而造成损失或破产的风险。从概念中就可以得知流动性风险来源于负债和资产两方面的原因。
根据短文内容，从下框的A-F选项中选出能概括每一段主题的最佳选项。选项中有一项为多余项。
小题1: There are many occasions（场合）for giving gifts in modern industrialized societies: birthdays, naming ceremonies, weddings, anniversaries, New Year. It is common to give gifts on many of these celebrations in western cultures. In addition, special events, such as one’s first day of school or graduation from university, often require gift giving. 小题2: What is happening when we give gifts? Most important, we are exchanging gifts. If someone gives me a gift for my birthday, I know that I am usually expected to give one on his or her next birthday. A gift builds up or confirms a social obligation（义务）. 小题3: Gifts tighten personal relationships and provide a means of communication between loved ones. People say that a gift lets the recipient（接受者）know we are thinking of them, and that we want to make the person “feel special.” We want people to feel wanted, to feel part of our social or family group. We give presents to say “I’m sorry.” Sometimes it is difficult for us to find a present that someone will like. Sometimes we give things that we like or would feel comfortable with. In all these cases, the gifts are sending out messages—often very expressive ones. 小题4: People tend to talk about presents in a fairly loving way. A woman whose mother had died years ago described the many gifts around her house. These were gifts that her mother had given her over the years: “I appreciate these, and they mean something to me,” the woman said, “because I remember the occasions they were given on, and that they were from my mother, and the relationship we’ve had.” The gifts remain and keep the relationship alive in mind. This woman felt the same way about the gifts she gave to others. She hoped that the recipients would look at her gifts in years to come and remember her. 小题5: Emotions (情感) like these suggest that a positive spirit still lies behind gift giving. They prove that the anthropologist Claude Levi-Strauss was wrong to say that modern western gift giving is highly wasteful. Studies in Canada and elsewhere have also shown that this is not the case. Each gift is unique even if so many are given. The emotional benefit for those who exchange gifts is the very reason for the tradition to continue. |