问题
问答题
简述客户信用评级及客户信用评级的主要职能
答案
参考答案：
解析：客户信用评级是指商业银行对客户偿债能力和偿债意愿的计量和评价反映客户违约风险的大小。客户评级的主体是商业银行，评价目标是客户违约风险，评价结果是信用等级。符合《巴塞尔协议》的客户信用评级必须包括两大职能，一是，能够区分违约客户，二是能够量化违约风险。信用评级分为外部评级和内部评级。
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简述客户信用评级及客户信用评级的主要职能
参考答案：
解析：客户信用评级是指商业银行对客户偿债能力和偿债意愿的计量和评价反映客户违约风险的大小。客户评级的主体是商业银行，评价目标是客户违约风险，评价结果是信用等级。符合《巴塞尔协议》的客户信用评级必须包括两大职能，一是，能够区分违约客户，二是能够量化违约风险。信用评级分为外部评级和内部评级。
| 阅读理解。 |
| Mr. Smith is walking in the park. He is tired. He wants to have a rest. He sees a green chair under a big tree. So he walks to the chair. There is another man in front of him. He is walking to the chair, too. He has a board (木板) in his hand. Mr.Smith is very worried (着急的). He begins to run quickly. The man sees him and begins to run, too. But Mr. Smith gets to the chair before the man. He is very happy and sits in the chair. When the man comes, he says nothing but gives Mr. Smith the board. The board says,"Wet Paint (油漆未干)." |
| 1. Where is Mr.Smith? |
[ ] |
| A. In the garden B. At home C. In the park D. On the street |
| 2. How does Mr. Smith feel? |
[ ] |
| A. Happy B. Hungry C. Thirsty D. Tired |
| 3. What does he see under a big tree? |
[ ] |
| A. A chair B. A bike C. A house D. A bird |
| 4. Why does he walk to the chair? |
[ ] |
A. He wants to paint it. |
| 5. What is on Mr. Smith's cloths? |
[ ] |
| A. Water B. Paint C. A flower D. A board |