问题 问答题 简答题

为什么说金融机构面临的“风险较大”?

答案

参考答案:

与一般的产业组织相比,金融中介机构所面临的风险类型更多,金融中介机构发生风险的概率较大。这是因为

(1)资金来源主要是各种负债和其他类型借入的资金,同时资金运作的数量和期限上不均衡

(2)金融机构担负各种负债本息的刚性偿付要求,以及对各种资金运作的本金和回报要求,这些要求的兑现存在一定的不确定性;

(3)一旦金融中介机构发生风险损失,其对金融机构自身以及外界各个有关联的部门、行业、企业以及居民的影响更大;由于波及范围广,金融中介机构的风险更具破坏力。

(4)资本金的财务杠杆作用大。金融中介机构的自有资本比重较低,而资本金恰恰是金融机构抵偿风险损失的重要工具。

(5)其他一些原因,金融中介机构也会面临较多的风险。

阅读理解

阅读理解。

     I live with my grandmother in a Beijing yard house. One day last year, I

was surprised to see a big foreigner coming out of the house next door to

ours. He was very tall with short brown hair and a pair of glasses. The first

time I saw him, I was too shy to speak to him. “My English is too bad!” I

thought. My grandmother told me that he had just moved into our yard. “I

don’t like it!” she said, “Foreigners aren’t like us. Maybe he’ll play

loud music and have parties every night! I’m sure he’s going to cause

trouble.”

     Several days later, I met the foreigner as I was walking home after work.“Hello!”he said(in Chinese!).“My name's Tony. I've just moved into

the house next door to yours.”While I was wondering what to say, he

continued, “There’s a nice bar down the road. Why don’t you and your

family come and have dinner with me?” “Bars are bad places,” said my

grandmother when I told her, but we decided to go.

    The bar was not at all what I had expected. It was in a beautiful little yard

house, with several large bookshelves and pictures of Tibet on the walls,

Several Chinese people and foreigners were sitting drinking or reading books. I noticed that some of the foreigners were speaking Chinese in a low voice to each other! “Oh, what a civilized place!” my grandmother exclaimed.

    The bar served special “hutong pizzas”. As we ate, Tony told us about

himself. He is an English expert in environment. He always likes to be quiet, My grandmother said to me, “He really seems like a very nice young man.”

1.When the writer first saw the foreigner, she                     .

A.was frightened to him    

B.wanted to practice English with him

C.felt too shy to speak to him    

D.hoped to invite the foreigner to the bar

2.From the sentence“Bars are bad places”, we can know that the

grandmother              .

A.was very excited  

B.didn’t go to the bar  

C.didn’t like bars    

D.was angry with Tony

3.What’s the meaning of the word“civilized”in this passage?

A.文明的  

B.喧闹的    

C.野蛮的  

D.讨厌的

4.Which of the following sentences is Not true?

A.Tony made a lot of noise every night.  

B.Tony was an English expert in environment,

C.There were some foreigners speaking Chinese in the bar.

D.The grandmother thought Tony might cause some trouble.

5.The best title for this story is                           .

A.A Bar in Tibet                            

B.A Foreigner in Beijing 

C. Bars Are Bad places                      

D. Foreigners like bars

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