试题与答案

根据客户对风险、收益的态度对个人贷款市场进行细分时，所遵循的细分标准是（）。 A.人

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题型：单项选择题

题目：

根据客户对风险、收益的态度对个人贷款市场进行细分时，所遵循的细分标准是（）。

A.人口因素

B.心理因素

C.行为因素

D.利益因素

答案：

参考答案：B

解析：心理因素是指客户的生活方式、个性等心理变数。对单个客户而言，个性不同，对金融产品的需求就会有很大差异：个性保守的客户选择金融产品时，总是以安全、可靠和风险小的品种为主；反之，个性激进的客户，则甘愿冒险、追求较大利益。

考点：银行业中级资格考试个人贷款营销个人贷款营销题库
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题型：阅读理解

Although hurricane season doesn't begin until June 1, a Pacific storm has already struck. El Salvador, which was ruined by a Caribbean storm in 1995, was hit by Hurricane Adrian on Friday. This is the first Pacific-born hurricane to ever reach land in this Central American country.

Some 14,000 people left from the western coast of El Salvador. The storm weakened as it crossed land, heading east. Heavy rains created deadly flooding problems in the hurricane's wake.

Adrian is the first Pacific storm of the season. It reported maximum continuous winds of 75 miles per hour, the minimum strength of a hurricane. A Category 3 hurricane, Adrian also caused damage and flooding in Honduras. It is expected to break up before reaching the Caribbean Sea on the eastern coast of Central America.

Hurricane season typically begins June 1 and lasts through November 30．The National Oceanic and Atmospheric Administration (NOAA) has predicted seven to nine hurricanes for the 2005 season.

"It is difficult to make any kind of an exact prediction of how many of these will strike land," NOAA administrator Conrad Lautenbacher said. He predicts two to three hurricanes will strike the U.S. this season.

Last year, six of nine hurricanes reached Category 3 strength or higher. Four of those hit Florida within a six-week period. Altogether, Hurricanes Charley, Frances, Ivan, and Jeanne caused more than $40 billion in damage in the Sunshine State.

This year's forecast is based on ocean temperatures. Warmer temperatures produce more tropical storms, which can then turn into hurricanes.

"The issue, really, this year is the unusually warm sea surface temperatures in the Atlantic," said Frank Lepore of the National Hurricane Center.

60．Which of the following is the 2005 first hurricane?

A．Charley.   B．Adrian.    C．Jeanne.    D．Frances.

61．How many countries struck by the hurricane are mentioned in the text?

A．Six. B．Nine.       C．Five.       D．Three.

62．We can infer that warmer ocean temperatures ______.

A．have nothing to do with the hurricane

B．cause less hurricane

C．are more likely to cause the hurricanes

D．do a lot of damage to the areas along the coast

63．The passage implies that _______.

A．hurricane season comes early this year

B．every hurricane formed in oceans could cause great damage to the land

C．hurricane often comes in winter and spring

D．tropical storm is more severe than hurricane
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