问题 问答题 简答题

简述《有效银行监管的核心原则》的内容及其意义。

答案

参考答案:

《有效银行监管的核心原则》是巴塞尔委员会继1988年的巴塞尔协议之后于1997年推出的又一份重要文件。该原则的主要内容可以分为七大部分:有效银行监管的先决条件、发照和结构、审慎法规和要求、持续银行监管手段、信息要求、正式监管权力和跨国银行业。

《有效银行监管的核心原则》的公布将推动国际银行业经营与监管方面的变革,它对于实现银行业的有效监管,防范金融风险,加强金融监管的国际协作具有重要意义。

第一,该原则的核心是对银行业进行全方位风险监控,更注重全方位、多角度的系统性监管,将风险监管扩展到银行业务的各个方面,贯穿于银行运行的全过程。

第二,该原则强调建立银行业监管的有效系统,这一系统不仅具备明确责任和目标,运作的独立性和充分的物质保证,还须具备完善的银行业监管的法律体系。

第三,注重建立银行自身的风险防范约束机制,提高银行对各种风险的防范和监控能力。

第四,提出了对银行业持续监管的方式。包括现场与非现场稽核并重、合规性与风险性监管并重、内部与外部监管并重等。

第五,推动了对跨国银行的全球统一监管,促进了金融监管的国际合作。该原则比巴塞尔协议具有更广泛的适用性,它采取有效监管和审慎监管标准,对银行的各项业务实施全球统一监管。

选择题
阅读理解

Lisa is ten years old. She is disabled because she has brain damage. She could not do even the simplest thing until a year ago. She could not comb her hair or feed herself. Her parents loved her. And they treated her like a baby.

Mr. Ching has a daughter and a son. They are both grown. They live far from their father. Mr. Cling felt lonely. He decided to become a foster grandfather to a handicapped child. And that was how he met Lisa.

Foster grandparents are grandparents who are not related by birth but foster parents love the children they care for. They also help the handicapped children in special ways. They help to dress and feed the children. They read to them and tell them stories. They also help with handicapped children’s therapy. Therapy is the treatment of a disease or disorder. It helps the children overcome their handicaps.

Mr. Cling became a foster grandparent to Lisa when she was nine years old. At first, Lisa was shy. She was afraid because Mr. Cling was a stranger. But he came to see her every day, gradually she began to trust him. At last, Lisa let Mr. Cling do things for her.

Cling speaks for most foster grandparents when he say, “We all benefit. The handicapped children benefit because we help them live more useful lives. And we benefit because we know the children need us and love us. For any person, there is no greater happiness than that.”

小题1:Why did Lisa need help?

A.She was a baby

B.She did not want to do anything.

C.She had brain damage.

D.She was a blind girl.小题2:What does the underlined word “foster” in paragraph 2 mean?

A.Elderly

B.Related by birth

C.Not related by birth

D.King-hearted小题3:Which five things do foster grandparents do for handicapped children?

a  help with their treatment   b dress them    c live in their homes

d feed them          e charge them money    f read to them

g tell them stories    h make fun of them

A.a,b,d,e,f

B.a,c,e,f,h

C.b,c,d,f,g

D.a,b,d,f,g小题4:Why did Mr. Cling foster Lisa?

A.Lisa needs looking after.

B.The passage doesn’t mention of.

C.Lisa need caring for and Mr. Cling also gets enjoyment from it.

D.Mr. Cling is too lonely.小题5:The best title for this passage is ________.

A.Lisa, A Handicapped Girl

B.Why Did He Do That?

C.Foster Grandparents

D.The Greatest Happiness!