问题 问答题 论述题

如何理解存款货币银行的经营原则?我国存款货币银行的经营原则是什么?

答案

参考答案:

商业银行的经营原则一般有三条,即盈利性、流动性、安全性。其中,盈利性是商业银行经营目标的要求,占有核心地位;流动性是清偿力问题,即银行能随时满足客户提款等方面的要求的能力;安全性是指银行管理经营风险,保证资金安全的要求。这三性要求有统一性又有矛盾,比如流动性强、安全性高但盈利能力弱。只能从现实出发,统一协调寻求最佳的均衡点。我国在银行法中明确规定商业银行是以效益性、安全性、流动性为经营原则,实行自主经营、自担风险、自负盈亏、自我约束。

阅读理解

There is an English saying, “Laughter is the best medicine.” Until recently, few people took the saying seriously. Now however, doctors have begun to look into laughter and the effects it has on the human body. They have found that laughter really can improve people’s health.

Tests were carried out to study the effects of laughter on the body. People watched funny films while doctors checked their heart, blood pressure, breathing and muscles. It was found that laughter has similar effects to physical exercise. It increases blood pressure, makes the heart beat quicker and makes people breathe deeper; it also works several groups of muscles in the face, the stomach, and even the feet. If laughter exercises the body, it must be beneficial.

Other tests have shown that laughter appears to be able to reduce the effect of pain on the body. In one experiment doctors produced pain in groups of students who listened to different radio programmes. The group that tolerated (忍耐) the pain for the longest time was the group which listened to a funny programme. The reason why laughter can reduce pain seems to be that it helps to produce a kind of chemical in the brain which diminishes both stress and pain.

As a result of these discoveries, some doctors in the United States now hold laughter clinics, in which they help to improve their patients’ condition by encouraging them to laugh. They have found that even if their patients do not really feel like laughing, making them smile is enough to produce beneficial effects similar to those caused by laughter.

小题1:According to the passage, which of the following statements is WRONG?  

A.Laughter is good for health.

B.Laughter can make you become old quickly.

C.Laughter helps to reduce pain.

D.Laughter, just like physical exercise, is good for our body.小题2:The underlined word “diminishes” in the third paragraph means “         ”.  

A.delays

B.prevents

C.increases

D.reduces小题3:Why do doctors hold laughter clinics? 

A.Because they want to earn more money.

B.Because they think they will help the patients recover from illnesses.

C.Because they want to improve their patients’ health.

D.Because they want their patients to laugh more.小题4:According to the author, we should __________ in our life. 

A.laugh as much as possible

B.watch more funny films

C.smile all the time

D.spend time in the laughter clinics小题5:What would be the best title for this passage?  

A.Both laughter and physical exercise are good for health.

B.Laughter clinics can help patients improve their condition.

C.Laughter can reduce the effect of pain.

D.Laughter is the best medicine.

单项选择题