单项选择题：从我国目前实施经济资本管理的经验看．完成信用风险的经济资本管理的环节不包括（）。 A

题目：

从我国目前实施经济资本管理的经验看．完成信用风险的经济资本管理的环节不包括（）。

A.由总行年初根据全行发展规划和资本补充计划.明确资本充足率目标

B.总行根据各分行反馈的情况.在总行各业务部门之间进行协调平衡分配

C.总行根据战略性经营目标，对信用风险经济资本增量的一定百分比进行战略性分配

D.分行根据总行的战略性规划，具体配置可利用的各项资源

答案：

参考答案：D

解析：从我国目前实施经济资本管理的经验看，对信用风险的经济资本管理可通过以下三个环节完成：①由总行年初根据全行发展规划和资本补充计划，明确资本充足率目标，提出全行的经济资本总量和增量控制目标，对分行进行初次分配；②总行根据各分行反馈的情况，在总行各业务部门之间进行协调平衡分配；③总行根据战略性经营目标，对信用风险经济资本增量的一定百分比进行战略性分配。

题型：完形填空

Unhappy people glue（使粘牢） themselves to the television 30 percent more than happy people.

The finding, announced on Thursday, 1 from a survey of nearly 30,000 American adults conducted between 1975 and 2006 as part of the General Social Survey.

2 happy people reported watching an 3 of 19 hours of television per week, unhappy people reported 25 hours a week. The results held even after 4 into account education, income, age and marital status.

In addition, happy individuals were more socially 5 , attended more religious services, voted more and 6 a newspaper more often than their less-chipper（没有精神的） counterparts.

The researchers are not sure, though, whether unhappiness 7 more television-watching or more viewing leads to unhappiness.

In fact, people say they like watching television: Past research has shown that when people watch television they 8 it. In these studies, participants reported that on a 9 from 0 (dislike) to 10 (greatly enjoy), TV-watching was nearly an 8.

But perhaps the high from watching television doesn't 10 .

"These conflicting data 11 that TV may provide viewers with short-run 12 , but at the expense of long-term malaise(精神欠爽)," said researcher John Robinson, a sociologist at the University of Maryland, College Park.

In this case, even the happiest campers could turn into Debbie-downers if they continue to 13 at the TV. The researchers suggest that over time, television-viewing 14 push out other activities that do have more lasting 15 . Exercise and sex come to mind, as do parties and other forms of socialization known to have psychological benefits.

Or, maybe television is simply a refuge(慰藉物) for people who are already 16 .

"TV is not judgmental 17 difficult, so people with 18 social skills or resources for other activities can engage in it," Robinson and UM colleague Steven Martin write in the December issue of the journal Social Indicators Research.

They add, " 19 , chronic unhappiness can be socially and personally debilitating（使人衰弱的） and can interfere with work and most social and personal activities, but even the unhappiest people can click a remote and be passively 20 by a TV."

The researchers say follow-up studies are needed to tease out the relationship between television and happiness.

( ) 1. A. comes B. arrives C. differs D. results

( ) 2. A. When B. As C. While D. Therefore

( ) 3. A. average B. amount C. number D. effort

( ) 4. A. speaking B. talking C. taking D. getting

( ) 5. A. active B. positive C. crazy D. cozy

( ) 6. A. look B. read C. see D. take

( ) 7. A. builds up B. cuts down C. leads to D. tends to

( ) 8. A. hate B. enjoy C. adopt D. adapt

( ) 9. A. fashion B. group C. scale D. rate

( ) 10. A. last B. decrease C. widen D. disappear

( ) 11. A. report B. suggest C. improve D. admit

( ) 12. A. excitement B. pleasure C. suffering D. sadness

( ) 13. A. glare B. look C. stare D. fix

( ) 14. A. should B. must C. could D. need

( ) 15. A. comforts B. laughter C. pressures D. benefits

( ) 16. A. tired B. lonely C. bored D. unhappy

( ) 17. A. and B. neither C. nor D. but

( ) 18. A. few B. little C. many D. quantity

( ) 19. A. Therefore B. Furthermore C. However D. Yet

( ) 20. A. controlled B. transformed C. persuaded D. entertained

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