问题 单项选择题


假设刘芳女士是你的理财客户,因为孩子将要出生,特向理财规划师咨询有关理财规划的情况,以下是刘芳女士家庭基本财务状况:
一、案例成员
成员年龄职业
邱先生30外企工程师
刘女士30医生
孩子预计三个月后出生
二、收支情况                  表1 每月收支情况表 (单位:元)
每月收入每月支出
本人收入4000日常开销7000
配偶收入10000房屋贷款3000
其他收入0其他支出0
收入合计14000支出合计10000
每月结余(收入-支出)4000

               表2 家庭年度收支情况表 (单位:元)
收入支出
本人收入48000生活基本开销84000
配偶收入120000房屋贷款36000
年终奖金30000保险费3000
其他收入0旅游费用10000
人情、探亲费用等10000
收入合计198000支出合计143000
每年结余55000
三、家庭资产负债情况                  表3 家庭资产负债表 (单位:元)
收入负债
类别金额别类金额
现金及活期存款50000房屋贷款150000
定期存款60000
房产(自用)1000000
基金股票等0
合计1110000合计150000
家庭净资产960000
四、理财规划目标
1.短期目标:为宝宝出生做准备并规划教育金和为全家规划完善的保险计划;
2.中期目标:实现家庭投资需求,保持家庭资产的快速积累;三年后购车,十年后换房,以提高生活质量;
3.长期目标:准备充裕的养老金,以保证退休后的生活质量。

下列有关刘芳女士家庭资产负债情况的诊断说法正确的有( )。 Ⅰ.该家庭发生财务危机的可能性较大 Ⅱ.该家庭发生财务危机的可能性较小 Ⅲ.该家庭清偿债务的能力较强 Ⅳ.该家庭清偿债务的能力较弱

A.Ⅰ、Ⅲ

B.Ⅱ、Ⅲ

C.Ⅰ、Ⅳ

D.Ⅱ、Ⅳ

答案

参考答案:B

解析: 资产负债率=总负债/总资产=150000/1110000=13.5%,小于50%,因此发生财务危机的可能性较小;清偿比率=净资产/总资产=960000/1110000=86.49%,大于 50%,说明家庭的偿债能力较强。

名词解释
单项选择题

As with many a grown-up sporting star, the first hint of greatness came at an early age for Lewis Hamilton. As an eight-year-old at his first kart race, he charged "more like a mature driver than a novice," remembers Martin Hines, owner of the Zip Kart racing company. Scything his way through the field just outside London, Hamilton had a confident style that seemed different from normal rookies, Hines says. "There was a little spark about him." Now 22, and in his debut season in Formula One—he became the first black driver to make it onto the grid in motor racing’s blue-ribbon championship.

His success and profile that have earned young Hamilton comparisons with other sporting greats. His color— Hamilton’s grandfather came to Britain from Grenada in the 50s—and the positive influence of his father, Anthony, have drawn parallels with Tiger Woods. Hamilton acknowledges that his participation could stoke interest among ethnic groups who may not be into the sport now. "Hopefully people that can relate to me will see that it’s possible and also try to get into the sport," he told the BBC. Moreover, his youth, good looks and wholesome image are also likely to get marketers fired up.

Countless more karting titles followed before 2001. He "made seasoned drivers look silly," says Tony Shaw, Hamilton’s then team manager at Manor Motorsport. Hamilton’s raw, natural speed and canny race craft nudged him closer to the big leagues. Hamilton’s "understanding of when and where to overtake and how to take advantage of a situation is very advanced," Shaw says.

At his first crack at GP2, the training ground for Formula One, Hamilton dominated the 2006 season with a series of blistering drives on his way to the title. Hamilton is "not worried about showing or doing what he’s used to doing just because it’s Formula One," says Hill. For many new drivers, "that’s an enormous hurdle." With the retirement last year of seven-time world champion Michael Schumacher, there’s one less rival for Hamilton to negotiate.

And Hamilton is certainly not short on confidence. When he first met Ron Dennis—now his Formula One team boss—as a 10-year-old in a borrowed suit, Hamilton promptly told him he wanted to drive for McLaren. Three years later, he joined the team’s support program for promising young drivers. But, say former team managers, he’s ready to listen and learn when things go wrong. Hamilton has a rare "capacity to question himself—to analyze very clearly after a race," says Frederic Vasseur, general manager at the ART Grand Prix team behind Hamilton’s GP2 championship.

As for whether he’ll become the Tiger Woods of the sport, it’s too early to know whether he can live up to those standards. But for now, his fans are bullish. Damon Hill was the last British driver to take the world crown. And it’s Hamilton, Hill says, "who looks likely to be the next.

Which word is most similar in meaning to "bullish" (Line 2, Last paragraph)()

A. Optimistic

B. Foolish

C. Obstinate

D. Fevered