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问题 单项选择题

下列关于信用风险预期损失的说法，不正确的是( )。

A．是商业银行已经预计到将会发生的损失

B．等于预期损失率与资产风险暴露的乘积

C．等于借款人的违约概率、违约损失率与违约风险暴露三者的乘积

D．是信用风险损失分布的方差

答案

参考答案：D

问答题

(三)
承担某公路工程项目施工任务的某施工单位，根据有关文件和资料对该公路工程质量控制设置了关键点。该工程技术总负责人负责对技术文件、报告、报表进行了审核和分析，在具体施工中遇到以下情况。
(1)由于第三方的原因，该工程被迫停工，停工时项目经理组织有关人员对其质量进行了检查，均合格，停工15d后复工，项目经理在未检查的情况下指示断续施工。
(2)在某关键工序施工完毕后，为确保工序合格，由施工人员对其质量进行自检后，达到合格标准，紧接着便开始下道工序的施工。
问题：

公路工程质量控制关键点要根据哪些文件和资料的要求设置
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单项选择题

At the beginning of the twentieth century, North American society held, as an ideal, the Nuclear Family. This presumably perfect residential, social, and economic unit consisted of an adult male, an adult female and their minor children. This structure was thought to be stable and long lasting.
However, a few decades later, the structure of that ideal family was being altered radically even while it was being touted as the structure to be aimed for. Popular magazines bemoaned the loss of the Nuclear Family and its replacement with inferior forms.
There are a number of factors that are acting in concert to apply pressure on the Nuclear Family and generate a variety of new structures. Some of these are:
The definition of marriage has changed somewhat in that few people now consider it to last "until death do us part". The concept of monogamy (the marriage of one man and one woman) has been modified to a form now referred to as serial monogamy (the marriage of one man and one woman at a time). This reflects the increasing equality of women and men in terms of economic advantage and the recognition that many women no longer depend on men for their survival. Women are acquiring independence and have become empowered to make their own choices. With this independence, the need to form a relationship with a man becomes less important. This change embodies the concept that the marriage is temporary and can be terminated by either partner at any time. Associated with this, of course, is the relaxation of the divorce laws and the significant reduction of the shame that had one time been attached to divorce
The economy of North America has resulted in a two-tier system of a few rich who control most of the resources and a large portion of the population who control almost none of the resources. Because of this, many couples are forced to have both partners with full-time jobs outside the home. There are unintended byproducts of the need for a double income. The most important of these is the replacement of a mother-oriented socialization of children to a "stranger-oriented" socialization system reflected in the growth of the childcare industry. Also, either partner is financially able to end the marriage without significant hardship.
The combination of these changes will in the coming decades have a profound effect on the structure of the family of North America. As a result, the family will be a fluid, constantly changing structure with variable household arrangements as the norm.

What is the major factor that has raised the divorce rate in North America

A．The increasing equality of women.

B．Relaxation of the divorce laws.

C．The significant reduction of the shame on divorce.

D．Men having more chances to know women.
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