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问题 问答题 简答题

简述银行操作风险的含义与特征。

答案

参考答案：

商业银行在运作过程中，由于经营管理不善，给银行带来损失的可能性。

它的特征有具体性、内生性、不对称性、模糊性、多样性。

判断题

房地产发展商A以一宗房地产作抵押向某H建行获得贷款，尔后，A又将该抵押房地产抵押C工行，但因某种原因，A与C工行办理抵押登记先于H建行。那么，当A不能还款，处分抵押房地产后，H建行的优先受偿权优于C工行()
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单项选择题

Radioactive radon gas emanating from rock such as granite puts inhabitants of houses built on such rock at greater risk of lung cancer the longer the inhabitants are exposed. Protective steps should be taken if radon measurements exceed 4 picocuries per liter; this recommendation is based on 70 years of occupancy by any one person.
If a 65-year-old homeowner concludes from the information above that radon testing for the new home she has purchased will not be necessary, then each of the following, if true, weakens the homeowner’s argument EXCEPT:

A．Houses in which the homeowner previously lived were in an area where elevated radon levels have been found.

B．Houses near the homeowner’s new home have radon levels much higher than the 4 picocuries per liter threshold, levels that require immediate action to reduce exposure to any occupants.

C．The homeowner’s granddaughter, who is eventually to inherit the new house, now lives there with her children.

D．The homeowner smokes cigarettes, and smoking increases the radon-exposure risks over those given in the information.

E．(E) The strata underlying the homeowner’s new home are known to be of rock different from the kinds from which radon emanates.
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