问题 多项选择题

商业银行在金融市场上发行金融债,应当具备的条件有()。

A.贷款损失准备计提充足

B.核心资本充足率不低于4%

C.资本充足率不低于8%

D.最近3年连续盈利

E.最近3年没有重大违法、违规行为

答案

参考答案:A, B, D, E

解析:商业银行发行金融债券应具备以下条件:①具有良好的公司治理机制;②核心资本充足率不低于4%;③最近三年连续盈利;④贷款损失准备计提充足;⑤风险监管指标符合监管机构的有关规定;⑥最近三年没有重大违法、违规行为;⑦中国人民银行要求的其他条件。

阅读理解

阅读理解。

     Howling is a behavior commonly observed among a wolf pack. As pack animals, wolves work together

to hunt and rely on howling as an important means of communication among each other. There are different

explanations of a wolf's howl and it appears that there may be more to discover.

     One theory is that wolves howl to bond better together. It's almost as if howling together helps the pack

stay together. Perhaps something is similar to people feeling a sense of involvement with each other when

singing a song together. But this theory may be wrong, explains Fred H. Harington, a professor who studies

wolf behavior.

     Indeed, there have been times when wolves have been seen one moment howling in a chorus, and the

next, quarreling among each other. It appears that usually the lowest-ranking members of the pack may

actually be "punished" for joining in the chorus at times. So is howling a way to strengthen a social bond or

just a way to reconfirm status among its members? - Why do wolves howl for sure?

     What is clear, however, is that howling is often used among packmates to locate each other. Hunting

grounds are distant and it happens that wolves may separate from one another at times. When this happens,

howling appears to be an excellent means of gathering.

     Howling, interestingly, is a contagious behavior. When one wolf starts to howl, very likely others will

follow. This is often seen to occur in the morning, as if wolves were doing some sort of "roll call" where

wolves all howl together to report their presence.

1. What the possible similarity between wolves' howling together and human's singing in chorus?

A. The act of calling each other.

B. the sense of accomplishment.

C. The act of hunting for something.

D. The sense of belonging to a group.

2. Why does Harrington think the "social bond" theory may be wrong?

A. Wolves separate from each other after howling.

B. Wolves tend to protect their hunting grounds.

C. Wolves sometimes have quarrels after howling together.

D. Wolves of low rank are encouraged to join in the chorus.

3. Researchers are sure that wolves often howl to _____.

A. show their ranks

B. find their companions

C. report the missing ones

D. express their loneliness

4. "Howling… is a contagious behavior" (in the last paragraph) means _____.

A. howling is a signal for hunting

B. howling is a way of communication

C. howling often occurs in the morning

D. howling spreads from one to another

单项选择题