试题与答案

下列关于风险监管的说法,不正确的是()。A.监管部门通过对商业银行内部风险管理目标、

题型:单项选择题

题目:

下列关于风险监管的说法,不正确的是()。

A.监管部门通过对商业银行内部风险管理目标、程序的监督检查,督促商业银行建立全面涵盖各类风险的内部管理体系 

B.内部控制是商业银行有效防范风险的最后一道防线 

C.建立风险计量模型是实现对风险模拟、定量分析的前提和基础 

D.管理信息系统的形式和内容应当与商业银行营运、组织结构、业务政策操作系统和管理报告制度相吻合

答案:

参考答案:B

解析:

风险监管框架涵盖了六个相互衔接的、循环往复的监管步骤:①了解机构。机构的情况可以从准入申请文件、机构自身对外公开的资料、日常监管过程中积累的各类信息以及专门的会谈和走访等方式获得。②风险评估。风险评估是风险为本监管最为核心的步骤,其作用是认识和把握机构所面临的风险种类、风险水平和演变方向以及风险管理能力。③规划监管行动。该步骤的主要任务是根据风险评估结果有针对性地制定监管和检查计划,起到连接风险评估与实施监管行动的桥梁作用。④准备风险为本的现场检查。在确定了监管和检查计划后,便进入监管行动的实施阶段。⑤实施风险为本的现场检查并确定评级。⑥监管措施、效果评价和持续的非现场监测。这个步骤是风险为本监管的后续阶段,也是最能体现持续有效监管的阶段。考生可以把内部控制理解为从自我做起,因此内部控制是第一道防线,是风险管理的开始,而不是最后,所以B选项错误。

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题型:阅读理解

Hearing live music is one of the most pleasurable experiences available to human being. The music sounds great, it feels great, and you get to watch the players as they play it. No matter what kind of music you love, try listening to it live.

This guide focuses on classic music, a tradition that originated before recordings, radio, and the Internet, back when all music was live music. In those days live human beings performed for other live human beings, with everybody together in the same room. When heard in this way, classic music can have a special excitement. Hearing classic music in a concert can leave you feeling refreshed and energized. It can be fun. It can be romantic. It can be spiritual.

Classical music concerts can seem like snobby(高傲的)affairs full of foreign terms and unusual behavior. It can be hard to understand what’s going on . It can be hard to know how to act. But don’t worry. Concerts are no stranger than any other amusement, and the rules of behavior are much simpler and easier to understand than the stock market, football, or system software programs.

If you haven’t been to a live concert before, or if you’ve been confused by concerts, this guide will explain, so you can relax and enjoy the music.

小题1:From Paragraph 1, we can see that the writer encourages us _______.  

A.towatchthemusicianstomakemusic

B.toexperiencethespiritofclassicalmusic

C.toattendliveconcertsandenjoylivemusic

D.togetpleasurefromdifferentkindsofmusic小题2:Which of the following can replace the underlined word “originated” in Paragraph 2?   

A.listened

B.started

C.performed

D.disappeared小题3:The writer considers that live classical music _______.    

A.isfullofforeignterms

B.istoodifficulttounderstand

C.isstrangerthanotheramusements

D.isexcitingtobothplayersandlisteners

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