问题 单项选择题

对商业银行投资研发新理财产品的下列描述,错误的是( )。

A.在进行新产品开发之前,商业银行应就产品开发的背景、潜在目标客户进行分析并报中国银监会批准

B.新产品的开发应编制产品开发报告,并经有关部门审核签字

C.商业银行按需要研发新投资品的介绍和宣传资料,并按内部管理有关规定经相关部门审核批准

D.在新产品推出后,对新产品的风险状况进行定期评估

答案

参考答案:A

解析: 《商业银行个人理财业务风险管理指引》第五十八条规定,商业银行研发新的投资产品,应当制定产品开发审批程序与规范,在进行任何新的投资产品开发之前,都应当就产品开发的背景、可行性、拟销售的潜在目标客户群等进行分析,并报董事会或高级管理层批准。

阅读理解

阅读理解

                                                                Fresh Air will Kill You

    Smog, which was once the big attraction of Los Angeles, can now be found all over the country from

Butte, Montana, to New York City, and people are getting so used to polluted air that it is very difficult

for them to breathe anything else.

    I was lecturing recently, and one of my stops was Flagstaff, Arizona, which is about 7,000 feet above

sea level. As soon as I got out of the plane, I smelled something peculiar(奇怪的). "What's that smell?" I

asked the man who met me at the plane. "I don't smell anything," he replied.

    "There is a definite odor that I am not familiar with," I said.  

    "Oh, you must be talking about the fresh air. A lot of people come out here who have never smelled

fresh air before." "What's it supposed to do?" I asked suspiciously.

    "Nothing. You just breathe it like any other kind of air. It's supposed to be good for your lungs."

    "I've heard that story before," I said. "How come if it's air, my eyes aren't watering?"

    "Your eyes don't water with fresh air. That's the advantage of it. Saves you a lot in paper tissues."

    I looked around and everything appeared crystal-clear. It was a strange sensation and made me feel

very uncomfortable.

    My host, sensing this, tried to be assuring. "Please don't worry about it. Tests have proved that you

can breathe fresh air day and night without its doing any harm to the body."

1. What is the air like in Flagstaff?

A. Polluted.    

B. Fresh        

C. Dirty          

D. Clean

2. We can infer from the story _______ .

A. Flagstaff is a small city

B. fresh air made the writer sick

C. the air in many American cities is polluted

D. breathing fresh air day and night does you no good

3. How did the writer feel when he first came to Flagstaff?

A. Excited    

B. Disappointed    

C. Uncomfortable  

D. Surprised

单项选择题