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问题 多项选择题

与旧协议相比，新资本协议的不同点表现在（）。

A.新协议更全面的反映风险，更敏感的反映头寸情况

B.从单一的信用风险扩大到信用风险、市场风险和操作风险

C.可根据风险状况的变化及时调整资本

D.监管标准更加严格

答案

参考答案：A, B, C

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Insurance is the sharing of (1) . Nearly everyone is exposed (2) risk of some sort. The house owner, for example, knows that his (3) can be damaged by fire; the ship owner knows that his vessel may be lost at sea; the breadwinner knows that he may die by (4) and (5) his family in poverty. On the other hand, not every house is damaged by fire or every vessel lost at sea. If these persons each put a (6) stun of money into a pool, there will be enough to (7) the needs of the few who do suffer (8) . In other words the losses of the few are met from the contributions of the (9) . This is the basis of (10) . Those who pay the contributions are known as (11) and those who administer the pool of the contributions as insurer.
The (12) for an insurance naturally depends on how the risk is to happen as suggested (13) past experience. If the companies fix their premiums too (14) , there will be more competition in their branch of insurance and they may lose (15) . On the other hand, if they make the premiums too low, they will not have (16) and may even have to drop out (17) business. So the ordinary forces of supply and (18) keep premiums at a proper (19) to both insurers and those who (20) insurance.
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国家对矿产资源的勘查、开发实行统一规划、合理布局、综合勘查、合理开采和综合利用的方针，坚持（）的原则。
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