【单选题】
If one wants to work efficiently at his low point in the morning, he should __________.___
A. change his energy cycle
B. overcome his laziness
C. get up earlier than usual
D. go to bed earlier
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答案
C
解析
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相关试题
【单选题】
You are advised to rise with a yawn and stretch because it will __________.___
A. help to keep your energy for the day's work
B. help you to control your temper early in the day
C. enable you to concentrate on your routine work
D. keep your energy cycle under control all day
【单选题】
Which of the following statements is NOT true?___
A. Getting off to work with a minimum effort helps save one's energy.
B. Dr. Kletman explains why people reach their peaks at different hours of day.
C. Habit helps a person adapt to his own energy cycle.
D. Children have energy cycles, too.
【单选题】
An effective way to prevent the burnout of young athletes is __________.___
A. to increase their sense of success
B. to make sports less competitive
C. to reduce their mental stress
D. to make sports more challenging
【单选题】
According to the passage sport is positive for young people in that __________.___
A. it can help them learn more about society
B. it enables them to find flaws in themselves
C. it teaches them how to set realistic goals for themselves
D. it can provide them with valuable experiences
【单选题】
Many coaches and parents are in the habit of criticizing young athletes __________.___
A. without realizing criticism may destroy their self-confidence
B. in order to make them remember life's lessons
C. believing that criticism is beneficial for their early development
D. so as to put more pressure on them
【单选题】
According to the passage parents and coaches should __________.___
A. help children to win every game
B. pay more attention to letting children enjoy sports
C. train children to cope with stress
D. enable children to understand the positive aspect of sports
【单选题】
The author's purpose in writing the passage is _________.___
A. to persuade young children not to worry about criticism
B. to stress the importance of positive reinforcement to children
C. to discuss the skill of combining criticism with encouragement
D. to teach young athletes how to avoid burnout
【单选题】
As pointed out at the beginning of the passage, people used to think that air pollution _______.___
A. cause widespread damage in the countryside
B. affected the entire eastern half of the United States
C. had damaged effect on health
D. existed merely in urban and industries areas
【单选题】
As to the greenhouse effect, the author ________.___
A. share the same view with the scientist
B. is uncertain of its occurrence
C. rejects it as being ungrounded
D. thinks that it will destroy the world soon
【单选题】
The underlined word "offset" in the second paragraph could be replaced by _________.___
A. slip into
B. make up for
C. set up
D. catch up with
【单选题】
It can be concluded that ____________.___
A. raising the world's temperature only a few degrees would not do much harm to life on earth
B. lowering the world's temperature merely a few degrees would lead major farming areas to disaster
C. almost no temperature variations have occurred over the past decade
D. the world's temperature will remain constant in the years to come
【单选题】
This passage is primarily about __________.___
A. the greenhouse effect
B. the burning of fossil fuels
C. the potential effect of air pollution
D. the likelihood of a new ice age
【单选题】
What is the major function of paragraph 1?___
A. To arouse the reader's concern.
B. To introduce the theme of the whole passage.
C. To summarize the whole passage.
D. To state the primary uses of TV.
【单选题】
Television, as a source of entertainment, is ________.___
A. not very convenient
B. very expensive
C. quite dangerous
D. relatively cheap
【单选题】
Why are some people against TV?___
A. Because TV programs are not interesting.
B. Because TV viewers are totally passive.
C. Because TV prices are very high.
D. Because TV has both advantages and disadvantages.
【单选题】
One of the most obvious advantages of TV is that _________.___
A. it keeps us informed
B. it is very cheap
C. it enables us to have a rest
D. it controls our lives
【单选题】
According to the passage, whether TV is good or not depends on ___________.___
A. its quality
B. people's attitude towards it
C. how we use it
D. when we use it
【单选题】
What regulation was issued by New York State concerning beverage containers?___
A. A fee should be charged on used containers for recycling.
B. Throwaways should be collected by the state for recycling.
C. Consumers had to pay for beverage containers and could get their money back on returning them.
D. Beverage companies should be responsible for collecting and reusing discarded plastic soda bottles.
【单选题】
The returned plastic bottles in New York used to _____________.___
A. be turned into raw materials
B. be separated from other rubbish
C. have a second-life value
D. end up somewhere underground
【单选题】
The key problem in dealing with returned plastic beverage containers is ______________.___
A. how to reduce their recycling costs
B. to sell them at a profitable price
C. how to turn them into useful things
D. to lower the prices for used materials
【单选题】
Recycling has become the first choice for the disposal of rubbish because ______________.___
A. recycling causes little pollution
B. other methods are more expensive
C. recycling has great appeal for the jobless
D. local governments find it easy to manage
【单选题】
It can be concluded from the passage that ____________.___
A. recycling is to be recommended both economically and environmentally
B. local governments in the U.S. can expect big profits from recycling
C. rubbish is a potential remedy for the shortage of raw materials
D. landfills will still be widely used for waste disposal
【单选题】
The author chose to study engineering at a small liberal-arts university because he ________.___
A. intended to be a sensible student with noble ideals
B. wanted to be an example of practicality and rationality
C. intended to be a combination of engineer and humanist
D. wanted to coordinate engineering with liberal-arts courses in college
【单选题】
According to the author, by interacting with people who study liberal arts, engineering students can __________.___
A. broaden their horizons
B. receive guidance in their careers
C. become noble idealists
D. balance engineering and the liberal arts
【单选题】
In the eyes of the author, a successful engineering student is expected ______________.___
A. to be imaginative with a value system to guide him
B. to be a technical genius with a wide vision
C. to have an excellent academic record
D. to be wise and mature
【单选题】
The author's experience shows that he was ________.___
A. creative
B. ambitious
C. irrational
D. unrealistic
【单选题】
The underlined word "they" in "... together they threaten to confuse." (Para.5) refers to ____________.___
A. practicality and rationality
B. engineering and the liberal arts
C. reality and noble ideals
D. flexibility and a value system
【单选题】
It can be learned from the passage that the Ouchidas' house __________.___
A. failed to meet energy conservation standards
B. was designed and constructed in a scientific way
C. is well worth the money spent on its construction
D. is almost faultless from the point of energy conservation
【单选题】
What made the Ouchidas' new house a horrible dream?___
A. Lack of fresh air.
B. Gas leakage in the kitchen.
C. The newly painted walls.
D. Poor quality of building materials.
【单选题】
The underlined word "accentuate" (Para. 3) most probably means "________".___
A. worsen
B. accelerate
C. relieve
D. improve
【单选题】
Why were cracks in old houses not a big concern?___
A. Because environmental protection was given top priority.
B. Because indoor cleanness was not emphasized.
C. Because they were technically unavoidable.
D. Because energy used to be inexpensive.
【单选题】
This passage is most probably taken from an article entitled "_________".___
A. Energy Conservation
B. Air Pollution Indoors
C. House Building Crisis
D. Traps in Building Construction
【单选题】
We need to plan ahead in order to ___________.___
A. keep a record of all the events
B. better organize our activities
C. store everything in our head
D. pile up little tasks neatly
【单选题】
Strategic times are best for us to ___________.___
A. save energy
B. check e-mails
C. study efficiently
D. organize activities
【单选题】
Which of the following could be used as a motivation to do our assignments?___
A. Remembering our urgent tasks.
B. Any activities we're eager to do.
C. Taking a break in the afternoon.
D. The promise to study efficiently.
【单选题】
What can help us to keep refreshed throughout the day?___
A. Doing some physical exercise.
B. Taking a short nap in the afternoon.
C. Rushing through some assignments.
D. Playing a game of chess with a friend.
【单选题】
Which of the following could be the best title for this article?___
A. Study Habits and Time Management
B. Business Management and Leadership
C. University Education and Campus Life
D. Life Goals and Academic Development
【单选题】
It is implied in the text that it is hard to ________.___
A. carry life learning though
B. tell the nature of life learning
C. learn without going to school
D. find a specially trained teacher
【单选题】
According to the author, the schooling framework often ________.___
A. produces slow students with poor memories
B. ignores some parts of the official curriculum
C. fails to provide enough knowledge about life
D. gives little care to the quality of teaching materials
【单选题】
Life learners recognize that learning will not be difficult if they are _________.___
A. clear about why to learn
B. careful to make a time table
C. able to respect other people
D. cautious about any mistakes
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【单选题】
（ ）代表了国际先进银行风险管理的最佳实践，符合巴塞尔新资本协议和各国监管机构的要求，已经成为现代商业银行谋求发展和保持竞争优势的重要基石。___
A. 全面风险管理
B. 资产风险管理
C. 资产负债风险管理
D. 负债风险管理
【单选题】
在商业银行风险管理实践中，与信用风险、市场风险和操作风险相比，（ ）的形成原因更加复杂和广泛，通常被视为一种综合性风险。___
A. 利率风险
B. 国别风险
C. 法律风险
D. 流动性风险
【单选题】
关于商业银行常用的风险规避策略，下列叙述不准确的是（ ）。___
A. 采取授信额度
B. “收软付硬”、“借硬贷软”的币种选择原则
C. 设立非常有限的风险容忍度
D. 使用交易限额
【单选题】
风险对冲是指通过投资或购买与标的资产( Underlying Asset)收益波动（ ）的某种资产或衍生产品来冲销标的资产潜在损失的一种策略性选择。___
A. 不相关
B. 相独立
C. 负相关
D. 正相关
【单选题】
下列有关商业银行信用风险的描述，正确的是（ ）。___
A. 衍生产品交易的信用风险造成的损失不大，通常可以忽略不计
B. 信用风险存在于传统的贷款、债券投资等表内业务中，不存在于信用担保、贷款承诺等表外业务中
C. 交易对手的信用等级下降可能会给投资组合带来损失
D. 对大多数银行来说，存款是最大、最明显的信用风险来源
【单选题】
对商业银行风险治理架构和风险管理组织体系，监管要求着重强调的内容不包括（ ）。___
A. 公司治理架构
B. 风险管理组织架构
C. 风险管理的及时性
D. 风险管理的独立性
【单选题】
甲乙两人在某银行从事柜台业务，乙为会计主管，工作中两人关系密切、无话不谈，下列两人埘密码管理的做法正确的是（ ）。___
A. 需要业务授权时，甲输入乙的密码进行授权
B. 两人密码互相知悉
C. 各自定期或不定期更换密码并严格保密
D. 乙用甲密码为客户办理业务
【单选题】
下列关于风险管理信息传递的说法，不正确的是（ ）。___
A. 先进的企业级风险管理信息系统一般采用浏览器和服务器结构
B. 风险分析人员在报告发送给外界之前要核准风险报告结果准确无误
C. 风险管理应当在最短的时间将所有正确的信息传递给商业银行所有人员
D. 风险监测人员在发布信息时要确保适当的人员得到他们所应当看到的风险信息
【单选题】
巴塞尔委员会2015年发布的《银行公司治理原则》强调了“三道防线”在风险管理流程中的作用，指出风险治理框架中应包括建立“三道防线”及清晰的职责描述，第—道风险防线是（ ）。___
A. 内部审计
B. 风险管理部门
C. 业务条线部门
D. 合规部门
【单选题】
下列关于风险计量的说法中，错误的是（ ）。___
A. 风险计量就是对单笔交易承担的风险进行计量
B. 风险计量可以基于专家经验
C. 风险计量采取定性、定量或者定性与定量相结合的方式
D. 准确的风险计量结果需要建立在卓越的风险模型基础之上
【单选题】
直接体现商业银行的风险管理水平和研究、开发能力的是（ ）。___
A. 不断开发出针对不同风险种类的风险量化方法
B. 建立功能强大、动态/交互式的风险监测和报告系统
C. 采取科学的方法，识别商业银行所面临的各种风险
D. 采取有效措施控制商业银行的整体或重大风险
【单选题】
风险计量既需要对单笔交易承担的风险进行计量，也要对组合层面、银行整体层面承担的风险水平进行评估，也就是通常所说的（ ）。___
A. 风险识别
B. 风险监测
C. 风险控制
D. 风险加总
【单选题】
风险因素与风险管理复杂程度的关系是（ ）。___
A. 风险因素考虑得越充分，风险管理就越容易
B. 风险因素越多，风险管理就越复杂，难度就越大
C. 风险管理流程越复杂，则会有效减少风险因素
D. 风险因素的多少同风险管理的复杂性的相关程度并不大
【单选题】
根据中国银监会的五级贷款风险分类指导原则，借款有可能无法足额偿还贷款本息，即使执行担保也将会造成较大损失的贷款属于（ ）。___
A. 关注类贷款
B. 可疑类贷款
C. 损失类贷款
D. 次级类贷款
【单选题】
下列选项不属于商业银行了解个人借款人资信状况的途径的是（ ）。___
A. 通过实地考察了解客户提供的信息的真实性
B. 查询法院部门个人客户信用记录
C. 从其他银行购买客户借款记录
D. 查询人民银行个人信用信息基础数据库
【单选题】
下列关于信贷审批的说法，不正确的是（ ）。___
A. 原有贷款的展期无须再次经过审批程序
B. 授信审批应当完全独立于贷款的营销和发放
C. 在进行信贷决策时，应当考虑衍生交易工具的信用风险
D. 在进行信贷决策时，商业银行应当对可能引发信用风险的借款人的所有风险暴露和债项做统一考虑和计量
【单选题】
商业银行客户信用评级的发展过程是（ ）。___
A. 违约概率模型一专家判断法一信用评分模型
B. 信用风险模型一专家判断法一违约概率模型
C. 专家判断法一信用评分模型一违约概率模型
D. 专家判断法一违约概率模型一信用评分模型
【单选题】
信用评分模型的关键在于（ ）。___
A. 辨别分析技术的运用
B. 借款人特征变量的当前市场数据的搜集
C. 借款人特征变量的选择和各自权重的确定
D. 单一借款人违约概率及同一信用等级下所有借款人违约概率的确定
【单选题】
下列关于留置的说法，不正确的是（ ）。___
A. 留置这一担保形式主要应用于保管合同、运输合同等主合同
B. 留置担保的范围包括主债权及利息、违约金、损害赔偿金、留置物保管费用和实现留置权的费用
C. 留置的债权人按照合同约定占有债务人的动产，债务人不按照合同约定的期限履行债务的，债权人须经法院判决后方可以该财产折价或者以拍卖、变卖该财产的价款优先受偿
D. 留置是为了维护债权人的合法权益的一种担保形式
【单选题】
在对商业银行客户进行信用风险识别时，下列各项不属于对单一法人客户的非财务因素分析的是（ ）。___
A. 客户的企业管理者的人品
B. 客户企业的效率比率分析
C. 客户的销售风险分析，如销售份额及渠道、竞争程度、销售量及库存等
D. 客户企业的总体经营风险分析，如企业在行业中的地位、企业整体特征等
【单选题】
下列关于VaR的描述，正确的是（ ）。___
A. 风险价值与损失的任何特定事件相关
B. 风险价值是以概率百分比表示的价值
C. 风险价值是指可能发生的最大损失
D. 风险价值并非是指可能发生的最大损失
【单选题】
假设目前收益率曲线是向上倾斜的，如果预期收益率曲线变得较为平坦，则下列四种策略中，最适合理性投资者的是（ ）。___
A. 卖出永久债券
B. 买入即将到期的20年期债券
C. 买入10年期保险理财产品，并卖出20年期债券
D. 买入20年期政府债券，并卖出6个月国库券
【单选题】
《商业银行资本充足率管理办法》规定了市场风险资本要求涵盖的风险范围，其中不包括（ ）。___
A. 交易账户中的利率风险和股票风险
B. 交易对手的违约风险
C. 全部的外汇风险
D. 全部的商品风险
【单选题】
利率互换是两个交易对手相互交换一组资金流量，（ ）。___
A. 涉及本金的交换和利息支付方式的交换
B. 涉及本金的交换，不涉及利息支付方式的交换
C. 不涉及本金的交换，涉及利息支付方式的交换
D. 不涉及本金的交换，也不涉及利息支付方式的交换
【单选题】
银行的员工在工作中，自己意识不到缺乏必要的知识，按照自己认为正确而实际是错误的方式工作属于（ ）造成的损失。___
A. 知识/技能匮乏
B. 失职违约
C. 内部欺诈
D. 违反用工法
【单选题】
张某向商业银行申请个人住户抵押贷款，期限15年。该行在张某尚未来得及办理他项权证的情况下，便提前向其发放贷款。不久张某出车祸身亡，造成该笔贷款处于高风险状态。此情况应归类为（ ）引起的操作风险。___
A. 信贷人员技能匮乏
B. 贷款流程执行不严
C. 内部欺诈
D. 未授权交易
【单选题】
下列关于操作风险报告的说法，正确的是（ ）。___
A. 为保护商业秘密，不能使用外部人员撰写的报告
B. 除高级管理层外，报告不应发送给相应的各级管理层
C. 风险报告内容大致包括风险状况、损失事件、诱因及对策、关键风险指标四个部分
D. 业务部门可以单独向高级管理层汇报，不一定需要经过风险管理部门
