《巴塞尔新资本协议》重点阐述了信用风险、市场风险和操作风险对银行资本的约束和影响，请说明这三类风险的定义。
参考答案：
信用风险。又称违约风险，是指债务人或交易对手未能履行合同所规定的业务或信用质量发生变化，从而给银行带来损失的可能性。
市场风险。是指因市场价格的不利变动而使银行表内和表外业务发生损失的风险。
操作风险。是指由于不完善或有问题的内部程序、人员及系统或外部事件所造成风险。
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| It was pouring outside. We all stood there __1__, some patiently, others annoyed__2__nature messed up(弄糟) their hurried day. I got lost in the sound and sight of the heavens__3__away the dirt and dust of the world. "Mom, let's run through the rain, " a girl's voice__4__ my attention. "No, honey . We'll wait until it __5__down a bit, " Mom replied. The young girl waited about another minute and__6__. "Mom, let's run through the rain." "We'll get wet if we do, " Mom said. "No, we won't, Mom. That's not what you said this morning," the young girl said as she __7__her mom's arm. "This morning? __8__did I say we could run through the rain and not get wet?" "Don't you remember? When you were talking to Daddy about his cancer, you said: 'If God can get us through this, he can get us through __9__. '" The entire crowd turned __10__. Mom paused and thought for a moment about __11__she would say. Now some would laugh it off and scold the girl for being __12__. But then we heard, "Honey, you are __13__. Let's run through the rain. If we get wet, maybe we just need washing, " Mom said. Then __14__they ran. We all stood __15__, smiling and laughing as they ran past the cars. Yes, they got wet. But they were __16__by a few who screamed and laughed like children all the __17__to their cars. Circumstances or people can take away your material possessions, and they can even take away __18__. But no one can ever take away your precious __19__. So, don't forget to make time and take the __20__to make memories every day! I hope you still take the time to run through the rain. | ||||
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