试题与答案

理财规划师为客户制定理财规划之前,需要对客户的财务状况进行预测,以下对客户财务状况进

题型:多项选择题

题目:

理财规划师为客户制定理财规划之前,需要对客户的财务状况进行预测,以下对客户财务状况进行预测的说法正确的有______。

A.客户的收入由经常性收入和非经常性收入共同构成,理财规划师需要对客户所有的收入项目都做出确切的预测

B.客户的支出由经常性支出和非经常性支出共同构成,与收入预测不同,理财规划师只需要对经常性支出部分进行合理预测,不必考虑各种非经常性支出的未来情况

C.理财规划师在完成了客户未来收入和支出情况的预测后,需要对客户的资产负债情况进行预测

D.理财规划师在预测客户支出时,应结合客户的流动性状况进行合理偿债安排,以避免损失

E.资产负债结构的变化主要取决于客户的收支结余情况、投资策略和偿债安排

答案:

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参考答案:E

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题型:阅读理解

From good reading we can derive pleasure, companionship, experience, and instruction. A good book may absorb our attention so completely that for the time being we forget our surroundings and even our identity. Reading good books is one of the greatest pleasures in life. It increases our contentment when we are cheerful, and lessens our troubles when we are sad. Whatever may be our main purpose in reading, our contact with good books should never fail to give us enjoyment and satisfaction.

With a good book in our hands we need never be lonely. Whether the characters portrayed are taken from real life or are purely imaginary, they may become our companions and friends. In the pages of books we can walk with the wise and the good of all lands and all times. The people we meet in books may delight us either because they resemble human friends whom we hold dear or because they present unfamiliar types whom we are glad to welcome as new acquaintances. Our human friends sometimes may bore us, but the friends we make in books need never weary us with their company. By turning the page we can dismiss them without any fear of hurting their feelings. When human friends desert us, good books are always ready to give us friendship, sympathy, and encouragement. One of the most valuable gifts bestowed by books is experience. Few of us can travel far from home or have a wide range of experiences, but all of us can lead varied lives through the pages of books. Whether we wish to escape from the seemingly dull realities of everyday life or whether we long to visit some far-off place, a book will help us when nothing else can. To travel by book we need no bank account to pay our way; no airship or ocean liner or stream-lined train to transport us; no passport to enter the land of our heart's desire. Through books we may get the thrill of hazardous adventure without danger. We can climb lofty mountains, brave the perils of an Antarctic winter, or cross the scorching sands of the desert, all without hardship. In books we may visit the studios of Hollywood; we may mingle with the gay throngs of the Paris boulevards; we may join the picturesque peasants in an Alpine village or the kindly natives on a South Sea island. Indeed, through books the whole world is ours for the asking. The possibilities of our literary experiences are almost unlimited. The beauties of nature, the enjoyment of music, the treasures of art, the triumphs of architecture, the marvels of engineering, are all open to the wonder and enjoyment of those who read.

小题1:Why is it that we sometimes forget our surroundings and even our identity while reading?

A.No one has come to disturb you.

B.Everything is so quiet and calm around you.

C.The book you are reading is so interesting and attractive.

D.Your book is overdue; you are finishing it at a very fast speed.小题2:How would you account for the fact that people like their acquaintances in books even more?

A.They resemble human friends exactly.

B.They are unfamiliar types we like.

C.They never desert us.

D.They never hurt our feelings.小题3:Which of the following is true?

A.Your wish to visit some far-off place can be realized through the pages of the books.

B.To escape from the dull realities of everyday life you should take up reading.

C.Books can always help you to live a colorful life.

D.You may obtain valuable experience from reading good books.小题4: The word “weary” means ______.

A.“to attract someone’s attention”

B.“to distract someone’s attention”

C.“to make someone very tired”

D.“to make someone interested”小题5:“... the whole world is ours for the asking” implies that ____________.

A.in books the world is more accessible to us

B.we can ask to go anywhere in the world

C.we can make a claim to everything in this world

D.we can make a round-the-world trip free of charge

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