违约概率模型能够直接估计客户的违约概率，因此对历史数据的要求更高，需要商业银行建立一

Allan’s school has about 2,500 students in six grades—Grades Seven to Twelve. It    小题1:   120 full time students    小题2:    45 classrooms.
Allan    小题3:   to school at 7:00a.m by bus.    小题4:  school starts at 7:30. Everyone must go to school before it starts. There    小题5:   seven classes in a day, four in the morning and three in the afternoon. After class four in the morning, everyone goes to have lunch in the canteen (食堂). Not many people bring food to   school   小题6: food in the canteen   小题7:    cheap. Class five starts at 2:30 p.m. and class seven ends at 5:00 p.m.
 小题8: school in the afternoon, some students go home, some play at school. The most popular sport at school is basketball. Allan usually goes home at 5:30 p.m. because he goes to play football and basketball at school. After that he goes home by bike. When he gets home, he cleans my home every day, then he goes to take    小题9:  shower (淋浴) and    小题10: his homework.

小题11:

A．have B．has C．had D．having

小题12:

A．and B．or C．so D．but

小题13:

A．go B．goes C．going D．went

小题14:

A．He B．Him C．Ours D．His

小题15:

A．is B．are C．has D．have

小题16:

A．before B．but C．so D．because

小题17:

A．were B．was C．is D．are

小题18:

A．At B．After C．Before D．In

小题19:

A．a B．an C．the D．/

小题20:

A．do B．did C．does D．is doing