问题 多项选择题

目前,我国商业银行中间业务产品创新主要是在()基础上进行创新。

A.传统存款

B.结算

C.票据

D.期权

E.担保

答案

参考答案:A, B, C, E

解析:中间业务发展的基础是中问业务创新。我国银行的中间业务吸纳型和模仿型创新较多,原创型和再创型创新较少,较复杂的金融衍生品的创新能力不足,创新技术含量低。创新的重点主要放在易于掌握、便于操作、科技含量少的品种上,而科技含量多、智能化程度高、不易模仿的创新较少。现有的创新产品大多是在传统存款、贷款、票据、投资、结算、担保等基础上进行的创新,缺乏期权、期货、票据发行便利等复杂的金融衍生品创新,以及各类组合金融产品创新。

阅读理解

阅读理解

       Fred is a tall,strong boy.He was born in a rich family and his mother never gets on well with

anybody.Three years ago,when he was six,he began to go to school.He doesn't like anything

except playing and now he's still in Grade One.

       This morning Mr White,their maths teacher,came in the classroom and the class began,Fred

hurried to come in.The teacher criticized(批评) him for often being late for class.All the children

began to laugh at

him.He was angry but said nothing in class.

       After school,on their way home,Fred scolded(辱骂) Peter,the youngest boy in their class.Peter's

father is a policeman and of course the boy wouldn't yield to him and they began to fight outside the

school.Half an hour later Peter ran away quickly as he was crying sadly.

       Fred came back happily and his mother found some blood(血) on his shirt.She asked,"What

happened to you,dear?"

       "A boy bit(咬) me just now,"answered the boy.

       Having heard this,the woman became angry and was going to look for the boy.She asked,"Can

you recognize(认出) him when you see him again?"

       "Don't worry about it,Mummy,"said Fred."I have his ear in my pocket!"

1. Fred is_____________years old now.

A. six

B. seven

C. eight

D. nine

2. Fred has been in Grade One for three years because_____________.

A. he's often late for class

B. his classmates don't like him

C. he doesn't like studying

D. his teachers are bad to him

3. Fred said nothing in class because_____________.

A. he was afraid of Mr White

B. he knew he was wrong

C. he couldn't fight with all his classmates

D. he was afraid Peter was going to bite him

4. Fred scolded Peter outside the school because_____________.

A. his father was a policeman

B. he was the youngest boy in their class

C. only the boy laughed at him in class

D. all the children ran away except the boy

5. The word "yield" in this story means_____________.

A. 生产

B. 出产

C. 让步

D. 不再反对

6. Crying,Peter ran away quickly because_____________.

A. he was afraid of Fred

B. Mr White stopped them

C. he had bit Fred

D. Fred had bit off his ear

7. The woman wanted to_____________.

A. help her son to beat(打) Peter

B. take Peter to the police station

C. take Peter to a hospital

D. return the  ear to Peter

解答题