问题 多项选择题

下列关于贷款分类与债项评级的说法不正确的有()。

A.债项评级与客户评级构成的二维评级能够实现更为细化的贷款分类

B.债项评级综合考虑了客户信用风险因素和债项交易损失因素,实际上是根据预期损失对信贷资产进行评级

C.贷款分类可同时用于审批、贷后管理,是对债项风险的一种预先判断

D.债项评级主要用于贷后管理,更多地体现为事后评价

E.债项评级仅考虑影响交易损失的特定风险因素,客户信用风险因素由客户评级完成

答案

参考答案:B, C, D

解析:B项,贷款分类综合考虑了客户信用风险因素和债项交易损失因素;C项,债项评级可同时用于贷前审批、贷后管理,是对债项风险的一种预先判断;D项,贷款分类主要用于贷后管理,更多地体现为事后评价。

阅读理解

A young woman carrying a three-year-old child got on a bus. The conductor(售票员) hurried to give her a warm welcome and then kindly asked the other passengers to make more room for the woman and her child. On seeing this, people began to talk. "You know this conductor used to be very rude. Now suddenly he has changed his bad behavior , "said a middle-aged man.

"Yes, he should be praised and we must write a letter to the company," said a second passenger. "That's right," another lady said, "I wish a newspaper reporter were here so that more people could learn from this conductor. "

Just then a gentleman who looked like a teacher turned to the conductor and said , "Excuse me, but can I know your name, please? Your excellent service must be praised..."

Before he could open his mouth, the three-year-old child sitting on the young woman's lap interrupted (打断谈话), "I know his name. I call him Dad."

小题1:The passengers were ________ to see the conductor's kindness to the woman and the child.

A.excited

B.pleased

C.interested

D.surprised小题2:One passenger suggested writing a letter to the company to ______  .

A.make a demand for more buses

B.thank the conductor for his good service

C.criticize(批评) the conductor for his rude behavior

D.invite a newspaper reporter to write about the conductor小题3:What was the gentleman?

A.A teacher.

B.A newspaper reporter.

C.Not known from the story.

D.The conductor's friend from his company.小题4:The word "he" in the last paragraph refers to _______.

A.the gentleman

B.the conductor

C.the middle-aged man

D.the three-year-old child

单项选择题