28.（）决定商业银行的风险管理和内部控制
A.董事会 B.监事会 C.高级高级管理层 D.股东大会
38、资本自由流动情形下
40、高级管理层的薪酬
二、多选。
1、边际效应是（）
A、消费一单位带来的平均效用
B、每增加一单位消费所带来的效用
C、最后一单位带来的效用
D、每增加一单位消费所带来的总效用得增量
2、银监会监管对象（）
A、银行业 B、基金公司 C、农村信用社 D、金融资产管理公司
3、银行担保分类（ABC）
A、质押 B、抵押 C、保证 D、安慰函
4、银行金融业机构市场准入（）
A、机构准入 B、业务准入 C、经营准备入 D、高级管理人员准入
5、资产证券化（）
A、将高流动性资产打包成低流动性的资产出售
B、将低流动性资产打包成高流动性资产出售
C、资产证券化属于结构化融资
D、资产证券化分为MBS类和ABS类
6、以下属于核心资产的是（）
A、权益资产 B、公开储备 C、重估储备 D、贷款准备金
7、银行中间业务
A、理财业务 B、支付业务 C、债券投资 D、资产托管业务
8、
9、
10、经风险调整RARCO的业绩评估(ABCD)
三、完形填空（70%相似）
The family is the center of most traditional Asians´ lives. Many people worry about their families welfare, reputation, and honor. Asian families are often 1 , including several generations related by 2 or marriage living in the same home. An Asian person´s misdeeds are not blamed just on the individual but also on the family ---including the dead 3 .
Traditional Chinese, among many other Asians, respect their elders and feel a deep sense of duty 4 them. Children repay their parents´ 5 by being successful and supporting them in old age. This is accepted as a 6 part of life in China. 7 , taking care of the aged parents is often viewed as a tremendous 8 in the United States,swheresaging and family support are not 9 highly. 10 , in the youth-oriented United States, growing old is seen as a bad thing, and many old people do not receive respect.
Pilipinos, the most Americanized of the Asians, are 11 extremely family-oriented. They are 12 to helping their children and will sacrifice greatly for their children to get an education. 13 , the children are devoted to their parents, who often live nearby. Grown children who leave the country for economic reasons 14 send large parts of their income home to their parents.
The Vietnamese family 15 people currently 16 as well as the spirits of the dead and of the as-yet unborn. Any 17 or actions are done from family considerations, not individual desires. People´s behavior is fudged 18 whether it brings shame or pride to the family. The Vietnamese do not particularly believe in self-reliance; in this way, they are the 19 of people in the United States. Many Vietnamese think that their actions in this life will influence their 20 in the next life.
1. A. enlarged B. extended C. expanded D. lengthened
2 . A. history B. interaction C. blood D. bond
3. A. pioneer B. settlers C. immigrant D. ancestors
4. A. toward B. for C. of D. on
5. A. contributions B. sufferings C. sacrifices D. tributes
6. A. formal B. natural C. regular D. peculiar
7. A. in comparison B. to the same extent C. in a way D. in contrast
8. A. relief B. responsibility C. burden D. business
9. A. rewarded B. honored C. regarded D. complimented
10. A. in fact B. of course C. and yet D. as a result
11. A. but B. further C. still D. only
12. A. confined B. dedicated C. corresponded D. exposed
13. A. in turn B. in exchange C. in vain D. in debt
14. A. occasionally B. intentionally C. typically D. steadily
15. A. insists on B. consists of C. persists in D. resists to
16. A. living B. lively C. alive D. life
17. A. incidences B. decisions C. accidents D. expedition
18. A. on B. for C. by D. in
19. A. counterpart B. opposite C. competitor D. opponent
20. A. station B. status C. stature D. state
参考答案： 1.B 2.C 3.D 4.A 5.C 6.B 7.D 8.C 9.B 10.A 11.C 12.B 13.A 14.C 15.B 16.C 17.B 18.A 19.B 20.B
我都是剩下两个排除不了啊，太内疚了。。。。
