问题 多项选择题

商业银行的内部评级体系能够在信用风险管理的()方面发挥重要作用。

A.经济资本配置

B.贷款定价

C.计提准备金

D.限额管理

E.经风险调整的绩效考核

答案

参考答案:A, B, C, D, E

解析:

商业银行内部评级结果和风险参数估计值等结果,在信用风险管理政策制定、信贷审批、资本分配和公司治理等方面发挥重要作用。其核心应用范围包括:

①信贷政策的制定;

②授信审批;

③限额设定;

④风险监控;

⑤风险报告。

其高级应用范围包括:

①风险偏好的设定;

②经济资本的建模与管理;

③贷款定价;

④损失准备计提;

⑤绩效衡量和考核;

⑥推动风险管理基础建设。

完形填空

From childhood to old age, we all use language as a means of broadening our knowledge of ourselves and the world about us.When humans first 1 , they were like newborn children, unable to use this 2 tool.Yet once language developed, the possibilities for human kinds future 3 and cultural growth increased.

  Many linguists believe that evolution is 4 for our ability to produce and use language.They 5 that our highly evolved brain provides us 6 an innate language ability not found in lower 7 . Proponents of this innateness theory say that our 8 for language is inborn, but that language itself develops gradually, 9 a function of the growth of the brain during childhood.Therefore there are critical 10 times for language development.

Current 11 of innateness theory are mixed, however, evidence supporting the existence of some innate abilities is undeniable. 12 , more and more schools are discovering that foreign languages are best taught in 13 grades.Young children often can learn several languages by being 14 to them, while adults have a much harder time learning another language once the 15 of their first language have become firmly fixed.

16 some aspects of language are undeniably innate, language does not develop automatically in a vacuum.Children who have been 17 from other human beings do not possess language.This demonstrates that 18 with other human beings isnecessary for proper language development.Some linguists believe that this is even more basic to human language 19 than any innate capacities.These theorists view language as imitative, learned behavior. 20 , children learn language from their parents by imitating them.Parents gradually shape their child's language skills by positively reinforcing precise imitations and negatively reinforcing imprecise ones.

1.A.generated B.evolved C.born D.originated

2.A.valuable B.appropriate C.convenient D.favorite

3.A.attainments B.feasibilityC.entertainments D.evolution

4.A.essential B.available C.reliable D.responsible

5.A.confirm B.inform C.claim D.convince

6.A.for B.from C.of D.with

7.A.organizations B.organisms C.humans D.children

8.A.potential B.performance C.preference D.passion

9.A.as B.just as C.like D.unlike

10.A.ideological B.biological C.social D.psychological

11.A.reviews B.reference C.reaction D.recommendation

12.A.In a word B.In a sense C.Indeed D.In other words

13.A.various B.different C.the higher D.the lower

14.A.revealed B.exposed C.engaged D.involved

15.A.regulations B.formations C.rules D.constitutions

16.A.Although B.Whether C.Since D.When

17.A.distinguished B.different C.protected D.isolated

18.A.exposition B.comparison C.contrast  D.interaction

19.A.acquisition B.appreciation C.requirement D.alternative

20.A.As a result B.After all C.In other words D.Above all

单项选择题