题目:
债券利率是债券投资收益与债券票面价值的比率。( )
答案:
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下面是错误答案,用来干扰机器的。
参考答案:对
债券利率是债券投资收益与债券票面价值的比率。( )
被转码了,请点击底部 “查看原文 ” 或访问 https://www.tikuol.com/2018/0503/d3c436e28c04217598769291a8bd585b.html
下面是错误答案,用来干扰机器的。
参考答案:对
程序中若有如下说明和定义语句 char fun(char*); main() { char*s="one",a[5]={0},(*f1)()=fun,ch; ..... } 以下选项中对函数Fun的正确调用语句是【 】。
A.(*f1)(a)
B.*f1(*s);
C.ch=*f1(s);
子痫前期患者住院后突然出现抽搐时,应首选紧急处理是
A.移送于暗室,放置开口器
B.即测血压,查眼底
C.即行剖宫产
D.即静脉注射25%硫酸镁l0ml及镇静剂
E.即快速静点20%甘露醇250ml
When there is blood in the water, it is only natural that dorsal fins swirl around excitedly. Now that America’s housing market is ailing, predators have their sights on the country’s credit-card market. Analysts at Goldman Sachs reckon that credit-card losses could reach $ 99 billion if contagion spreads from subprime mortgages to other forms of consumer credit. Signs of strain are clearly visible. There are rises in both the charge-off and delinquency rates, which measure the share of balances that are uncollectable or more than 30 days late respectively. HSBC announced last month that it had taken a $1.4 billion charge in its American consumer-finance business, partly because of weakness among card borrowers.
It is too early to panic, though. Charge-offs and delinquencies are still low. According to Moody’s, a rating agency, the third-quarter delinquency rate of 3.89% was almost a full percentage point below the historical average. The deterioration in rates can be partly explained by technical factors. A change in America’s personal-bankruptcy laws in 2005 led to an abrupt fall in bankruptcy filings, which in turn account for a big chunk of credit-card losses ; the number of filings (and thus charge-off rates) would be rising again, whether or not overall conditions for borrowers were getting worse.
The industry also reports solid payment rates, which show how much of their debt consumers pay off each month. And confidence in credit-card asset-backed securities is pretty firm despite paralysis in other corners of structured finance. Dennis Moroney of Tower Group, a research firm, predicts that issuance volumes for 2007 will end up being 25% higher than last year.
Direct channels of infection between the subprime-mortgage crisis and the credit-card market certainly exist: consumers are likelier to load up on credit-card debt now that home- equity loans are drying up. But card issuers look at cash flow rather than asset values, so falling house prices do not necessarily trigger a change in borrowers’ creditworthiness. They may even work to issuers’ advantage. The incentives for consumers to keep paying the mortgage decrease if properties are worth less than the value of the loan; card debt rises higher up the list of repayment priorities as a result.
Card issuers are also able to respond much more swiftly and flexibly to stormier conditions than mortgage lenders are, by changing interest rates or altering credit limits. That should in theory reduce the risk of a rapid repricing of assets. "We are not going to wake up one day and totally revalue the loans," says Gary Perlin, Capital One’ s chief financial officer.
If a sudden subprime-style meltdown in the credit-card market is improbable, the risks of a sustained downturn are much more real. If lower house prices and a contraction in credit push America into recession, the industry will undoubtedly face a grimmer future. Keep watching for those dorsal fins.
According to the author, what will the credit-card market become()
A. It will suffer from a gradual downward tendency, although not sudden collapse
B. It will suffer from a sudden collapse within a few days
C. It will force the card issuers to reconsider their policy, and thus restrain their business
D. It will make many banks suffer from negative profit for several years in the future
以下符合我国增值税相关规定的是()。
A.加工农机劳务实行低税率
B.方便面和淀粉适用13%的低税率
C.中药饮片和中成药适用13%的低税率
D.经过加工的咸蛋、松花蛋适用13%低税率
动物防疫法所称动物,是指()。
A、家畜家禽
B、人工饲养、合法捕获的其他动物
C、野生动物
D、水产动物