银保监考试
好不容易找到一套2019年考试真题,感谢网友提供,答案留言公布。先不要看答案,看看自己能考多少分。能考及格就很有希望进面试哦!
一、在每题给出的四个选项中,只有一项是符合题目要求的。
1. 实际GDP等于( )。
A. 价格水平除以名义GDP B. 名义GDP除以价格水平
C. 名义GDP乘以价格水平 D. 价格水平乘以潜GDP
2. 菲利普斯曲线揭示了失业率和通胀率之间存在( )关系。
A. 负相关 B. 正相关 C. 无相关 D. 等同于
3. 根据宏观经济学总供给-总需求模型,扩张性的财政政策能使产出( )。
A. 增加 B. 减少 C. 不变 D. 难以确定
4. 边际消费倾向递减规律是( )的前提之一。
A. 持久收入理论 B. 生命周期理论 C. 所有消费理论 D. 凯恩斯消费理论
5. 当达到市场均衡时,买者是支付愿望( )的人,卖者是成本( )的人。
A. 最高、最高 B. 最高、最低 C. 最低、最高 D. 最低、最低
6. 下面哪种情况是帕累托最优?( )
A. 收入分配公平
B. 不使社会中的某些成员福利变差,就无法使其他成员福利改善
C. 企业内部化其所有外部性
D. 不损害他人福利而改善部分人的福利
7. 厂商的停止营业点是指( )。
A. SMC与SAC相交之点 B. SMC与AVC相交之点
C. SMC与AFC相交之点 D. SAC与AVC相切点
8. 某一经济活动存在外部不经济是指该活动的( )。
A. 私人成本大于社会成本 B. 私人成本小于社会成本
C. 私人利益大于社会利益 D. 私人利益小于社会利益
9. 布雷顿森林会议确立的国际货币体系核心内容是( )。
A. 各国货币与美元和英镑构成的货币篮子挂钩
B. 各国货币都与特别提款权挂钩
C. 美元与黄金挂钩,其他各国货币与美元挂钩
D. 各国货币都与黄金挂钩
10. 在货币政策的传导机制中,既可以作为操作目标,又可以是中介目标的是( )。
A. 基础货币 B. 货币供应量 C. 短期利率 D. 长期利率
11. 根据蒙代尔政策搭配理论,当一国国际收支出现逆差、国内通货紧缩严重时,合理的政策选择为( )。
A. 扩张性货币政策和紧缩性财政政策 B. 扩张性财政政策、扩张性货币政策和货币升值
C. 紧缩性财政政策、紧缩性货币政策和货币贬值 D. 紧缩性货币政策和扩张性财政政策
12. 商业银行把贷款分为正常类、关注类、次级类、可疑类和损失类,构成不良贷款的是( )。
A. 后两类 B. 后三类 C. 后四类 D. 前三类
13. 商业银行最高风险管理和决策机构是( )。
A. 董事会 B. 监事会 C. 高级管理层 D. 股东代表大会
14. 商业银行其他资金不变的情况下,以下情形会相应减少银行可贷头寸的是( )。
A. 现金流入大于流出 B. 清算收入大于支出
C. 法定存款准备金率提高 D. 贷款按期收回
15. 巴塞尔协议引入( )概念,要求业务规模大、复杂程度高、对整个银行体系带来系统风险的银行,提出特别资本要求,使其具有超出一般标准的吸收亏损能力。
A. 国际重要性银行 B. 系统关键性银行 C. 系统重要性银行 D. 国际核心性银行
16. 表外业务是商业银行从事的不列入( )的经营活动。
A. 损益表 B. 资产负债表 C. 现金流量表 D. 财务状况变动表
17. 1999年11月,美国国会通过( )允许金融持股公司下属子公司对银行、证券、保险兼业经营,美国金融重新进入混业时代。
A. 《麦克法登法案》 B. 《金融服务现代化法案》
C. 《银行体系改革蓝图》 D. 《多德·弗兰克法案》
18. SDR是( )。
A. 欧洲经济货币联盟创设的货币 B. IMF创设的储备资产和记账单位
C. 欧洲货币体系的中心货币 D. 世界银行创设的一种特别使用资金的权利
19. 在人身保险产品定价中,确定死亡率的重要基础是( )。
A. 利率表 B. 生命表 C. 费率表 D. 生命周期表
20. 在世界银行提倡的养老多支柱体系中,商业养老保险属于( )的范畴。
A. 公共年金计划 B. 职业年金计划 C. 个人储蓄计划 D. 基本养老计划
二、在每题给出的四个选项中,只有一项是符合题目要求的。
21. 消费函数的斜率取决于( )。
A. 边际消费倾向 B. 平均消费倾向
C. 与可支配收入无关的消费总量 D. 与可支配收入相关的消费总量
22. 由于经济衰退而形成的失业属于( )。
A. 摩擦性失业 B. 结构性失业 C. 周期性失业 D. 自然失业
23. 经济周期的实质是( )。
A. 失业率的波动 B. 利息率的波动 C. 价格水平的波动 D. 国民收入的波动
24. 根据IS-LM模型,比例税率提高会使IS曲线( )。
A. 斜率的绝对值变大 B. 斜率的绝对值变小 C. 右移 D. 左移
25. 在任何一个既定价格水平下,货币供给增加使( )。
A. 总需求曲线左移 B. 总需求曲线右移
C. 总需求曲线位置不变 D. 总需求曲线位置无法确定
26. 西方经济学流派中坚持货币政策操作应该相机抉择的是( )。
A. 货币学派 B. 凯恩斯学派 C. 理性预期学派 D. 古典学派
27. 成本推动的通货膨胀会引起产出和就业的什么变化?( )
A. 产出增加,就业增加 B. 产出增加,就业下降
C. 产出下降,就业下降 D. 产出下降,就业增加
28. 在两部门经济中,均衡发生于( )之时。
A. 实际储蓄等于实际投资 B. 计划储蓄等于计划投资
C. 实际的消费加实际的投资等于产出值 D. 总支出等于企业部门的收入
29. GDP平减指数是用来衡量( )。
A. 一段时间内,收入在贫富之间的分配的程度
B. 一段时间内,购买一定量的商品和劳务所需费用的变动程度
C. 由于更高的物价导致消费模式随时间而改变的程度
D. 消费品价格相对于工资增长的程度
30. 经济租金的含义是( )。
A. 使用一单位资本所支付的价格
B. 使用一亩土地所支付的价格
C. 某种生产要素量的支付大于所要求的那部分收入
D. 某种生产要素量的支付小于所要求的那部分收入
31. 美国统计学家M. O. 洛伦兹提出的洛伦兹曲线反映了国民收入在国民之间的分配状况。一国收入分配越不平等,洛伦兹曲线就越( )。
A. 向横轴凸出 B. 向纵轴凸出 C. 接近原点 D. 远离原点
32. 转换曲线是从下列哪条曲线导出的?( )
A. 消费契约曲线 B. 效用可能性曲线 C. 社会福利曲线 D. 生产契约曲线
33. 完全竞争市场和垄断竞争市场的主要区别是( )。
A. 企业是否可以取得最大利润 B. 产品是否具有差别性
C. 是否存在政府管制 D. 消费者的价格弹性大小
34. 一般来说,( )的产品需求弹性较大。
A. 垄断性较高 B. 生活必需品 C. 替代品较多 D. 用途比较少
35. 在资源不变的情况下,如果原有的技术水平提高了,生产可能性曲线的位置将会( )。
A. 向左移动 B. 向右移动 C. 不发生任何改变 D. 不能确定
36. 按照科斯定理,分配私人产权( )。
A. 意味着产权不能交易 B. 赋予的是责任而不是权利
C. 确保决策者考虑社会收益和成本 D. 确保获得利润
37. 生产者剩余是生产者的所得( )。
A. 小于边际成本部分 B. 等于边际成本部分
C. 超过边际成本部分 D. 超过平均成本部分
38. 某投资者以960元的价格购买一张还有90天到期、面值为1000元的国库券,该国库券发行价格为900元,其贴现率是( )。
A. 4% B. 10% C. 12% D. 16%
39. 投机动机的货币需求是对闲置的货币余额的需求,即对资产形式的需求,这是( )提出的观点。
A. 凯恩斯 B. 托宾 C. 鲍莫尔 D. 弗里德曼
40. 假设货币供应量是10万亿元,社会全部商品和劳务的价值是60万亿元,则( )等于6。
A. 货币乘数 B. 货币流通速度 C. 支付乘数 D. 货币扩张系数
41. 常用于银行间外汇市场上的外汇交易形式是( )交易。
A. 即期外汇 B. 票据贴现 C. 同业拆借 D. 回购
42. 金融创新使中央银行对基础货币的可控程度降低的原因是( )。
A. 导致各国废除法定存款准备金制度
B. 商业银行对央行贴现窗口的依赖性下降
C. 央行减少公开市场操作
D. 存贷比上升
43. 根据托宾q理论,货币政策将通过下列哪项的影响而作用于实际的经济活动,从而达到预期的最终目标?( )
A. 利率 B. 货币供应量 C. 物价 D. 股票价格
44. 关于基准利率,下列说法错误的是( )。
A. 基准利率是起决定作用的利率 B. 基准利率是无风险利率
C. 基准利率是国债利率 D. 基准利率必须是市场化利率
45. 下列属于混合衍生工具的是( )。
A. 远期 B. 期货 C. 可转换债券 D. 互换期权
46. 在供给学派看来,治理通货膨胀的最核心政策是( )。
A. 紧缩性收入政策 B. 减税政策 C. 增税政策 D. 限价政策
47. 根据有效市场假说,证券的价格反映了过去的价格和交易信息,这种市场属于( )。
A. 弱有效 B. 中度有效 C. 强有效 D. 完全有效
48. 在乔顿货币乘数模型中,货币乘数的决定因素不包括( )。
A. 法定和超额存款准备金比率 B. 货币流通速度
C. 定期存款比率 D. 通货比率
49. ( )是指商业银行没有足够的现金来弥补客户取款需要和未能满足客户合理的贷款需求,或其他即时的现金需求而引起的风险。
A. 信用风险 B. 流动性风险 C. 市场风险 D. 操作风险
50. ( )是指固定收入金融工具的所有预期现金流入量的加权平均时间。
A. 久期 B. 折现期 C. 贴现期 D. 分析期
51. 经济资本是商业银行在一定的置信水平下,为应对未来一定时期内资产的( )而持有的资本,其规模取决于自身的( )和风险管理策略。
A. 预期损失、实际风险水平 B. 非预期损失、实际风险水平
C. 灾难性损失、预期风险水平 D. 非预期损失、预期风险水平
52. 国际先进银行用来综合考量商业银行盈利能力和风险水平的方法中,普遍使用的衡量指标是( )。
A. 资本收益率 B. 资产收益率
C. 经风险调整的资本收益率 D. 加权收益率
53. 商业银行绩效考评中,绿色信贷考评指标属于( )。
A. 合规经营类指标 B. 风险管理类指标 C. 经营效益类指标 D. 社会责任类指标
54. 根据贷款风险分类结果,对各类贷款分别按照不同比例提取的贷款损失准备金是( )。
A. 普通准备金 B. 一般风险准备金 C. 专项准备金 D. 特别准备金
55. 目前多数商业银行考核体系中的核心指标是( )。
A. 资本充足率 B. 资本收益率 C. 人均利润率 D. 经济增加值
56. 下列关于银行中间业务的说法,错误的是( )。
A. 不运用或不直接运用银行的自有资金
B. 不承担或不直接承担市场风险
C. 以收取服务费(手续费、管理费)赚取价差的方式获得收益
D. 银行作为信用活动的一方参与其中
57. 在市场风险管理中,保持其他条件不变的前提下,研究单个市场风险要素的微小变化可能会对金融工具或资 产组合的收益产生影响的分析方法属于( )。
A. 缺口分析 B. 久期分析 C. 敏感性分析 D. 风险价值
58. CAMELS监管评级中的E指的是( )。
A. 权益资本 B. 盈利性 C. 流动性 D. 公司治理
59. 资本资产定价模型(CAMP)是由( )创立的。
A. 马柯维茨 B. 夏普 C. 布莱克 D. 哈耶克
60. 罗纳德·麦金农提出的( )是放松金融监管的基本理论,该理论认为政府通过银行管制利率限制了金融部门发展,阻碍了经济增长。
A. 金融创新理论 B. 金融抑制理论 C. 功能金融理论 D. 自由金融理论
61. 由于信息不对称,银行发放贷款后,( )的存在将会使银行资产风险加大。
A. 逆向选择 B. 搭便车问题 C. 道德风险 D. 柠檬问题
62. 国务院银行业监督管理机构规定,商业银行储备资本应由( )来满足。
A. 其他一级资本 B. 核心一级资本 C. 二级资本 D. 附属资本
63. 债券的票面利率越大,久期( )。
A. 不确定 B. 越小 C. 越大 D. 不变
64. 如果我们说某个敞口在的置信水平下的日VaR值为100万元,这意味着,平均看来,在100个交易日内该敞口的实际损失超过100万元的只有( )天。
A. 1 B. 2 C. 3 D. 5
65. ( )资本是为确保银行在信贷过快增长及系统性风险迅速累积时能够缓冲抵御未来潜在损失的资本。
A. 系统重要性银行附加资本 B. 核心资本
C. 留存超额资本 D. 逆周期超额资本
66. 在金本位制下,市场汇率的波动以( )为界限。
A. 铸币平价 B. 黄金平价 C. 黄金输送点 D. ±1%
67. 下列各项中,不属于国际达成共识的宏观审慎监管工具的是( )。
A. 逆周期资本 B. 储备资本 C. 杠杆率 D. 不良贷款率
68. 当今国际储备资产总额中占比重最大的是( )。
A. 黄金储备 B. 特别提款权 C. 外汇储备 D. 普通提款权
69. 假设其他条件不变的情况下,当出口需求弹性大于1时,本国货币贬值会出现( )。
A. 进口收入增加 B. 进口收入减少 C. 出口收入增加 D. 出口收入减少
70. 如果资本是完全流动的,则在蒙代尔——弗莱明模型中BP曲线的形状是( )。
A. 水平的 B. 垂直的 C. 左上至右下呈45˚ D. 右上至左下呈45˚
71. 相对购买力平价理论是在绝对购买力平价理论的基础上加入了对( )因素的考虑。
A. 利率 B. 货币供应量 C. 物价变动 D. 法定存款准备金率
72. ( )作为WTO允许的政策性金融工具,是各国政府促进外经贸发展、保障本国企业利益、防范国际经营风险所采用的通行做法。
A. 企业信用保险 B. 出口退税保险 C. 境外投资保险 D. 出口信用保险
73. 人身保险公司在开展投资时,下列做法符合各国保险公司共同遵守和普遍采用的投资原则是( )。
A. 将绝大部分资金投资于股票市场以获得高收益
B. 公司大部分保险合同期限为3年,公司投资的大部分资产到期日为10年
C. 主要投资于收益高的不动产、非上市公司股权以及风险投资基金
D. 保守地将资金分散投资于股票、债、不动产等
74. 这些年,我国国民收入水平不断提高,同时,人们也承受着日益严峻的环境污染,生活节奏加快、生活压力 增大,糖尿病、高血压、癌症等疾病发病率逐渐增高。保险公司的投资者非常关注保险公司健康保险未来的 赔付水平会持续上升。这些投资者担忧的是保险公司面临的什么风险?( )
A. 环境污染风险 B. 医疗风险 C. 保险风险 D. 流动性风险
75. 由于被保险人的故意或者重大过失致使保险人不能行使代位求偿权的后果是( )。
A. 对保险人承担保险赔偿责任不产生影响
B. 被保险人不得向保险人行使请求赔偿的权利
C. 保险人可以扣减或者要求返还相应的保险金
D. 保险人可以不承担保险赔偿的责任
76. 保险损失的近因,是指在保险事故发生时( )。
A. 时间上最接近损失的原因 B. 离损失最近的原因
C. 最直接、最有效、起支配作用的原因 D. 空间上最接近损失的原因
77. 某企业投保全额财产保险200万元,在一次保险事故中,实际遭受损失100万元,为保护和抢救财产支出必要的合理费用10万元,为验明事故的性质支出人民币10万元。该企业可向保险公司获得赔偿数额为( )。
A. 200万元 B. 100万元 C. 110万元 D. 120万元
78. 同质的风险损失事件的不同单位,如果大量结合在一个组里,那么结合的单位越多,发生风险损失的波动幅度就会逐渐减少而趋向于稳定。这是保险经营的一个重要定律,叫做( )。
A. 随机定律 B. 大数法则 C. 趋同定律 D. 概率法则
79. 李先生以自己为被保险人投保了一份保额40万元的终身寿险。投保时,李先生将自己的实际年龄40岁虚报为38岁,而该保险产品在李先生投保时40岁对应的保费为800元,38岁对应的保费为760元。若干年后李先生死亡,保险公司发现李先生虚报了年龄。李先生指定的受益人可以获得的保险金是( )。
A. 0元 B. 40万元 C. 38万元 D. 19万元
80. 为应对各类可量化为资本要求的风险对偿付能力的影响,保险公司应当持有的适当财务资源是( )。
A. 实际资本 B. 最低资本 C. 注册资本 D. 实有资本
三、下面各题,每题至少有两个正确答案,少选、多选或错选均不得分。
81.(多选)以下关于凯恩斯货币理论的描述,正确的是( )。
A.货币在长期和短期来看都是中性的 B.货币在长期来看是中性的
C.货币在短期来看是非中性的,具有实际效应 D.货币在长期看是非中性的,具有实际效应
82.(多选)总供给曲线是根据( )推导而得到的。
A.劳动需求函数 B.劳动供给函数 C.总量生产函数 D.IS-LM型
83.(多选)货币主义提出了( )。
A.货币数量论 B.货币自然率假说 C.费雪交易方程式 D.流动性陷阱
84.(多选)正是由于长期生产的( )的作用,决定了LAC曲线表现出先下降后上升的U形特征。
A.规模经济 B.规模不经济
C.边际技术替代率递减 D.边际报酬递减
85.(多选)政府对消费者增加征收所得税可能产生的结果有( )。
A.劳动收入下降 B.通过储蓄和投资,未来获得的收入也下降
C.闲暇的相对价格下降,闲暇增多 D.税收过重可能造成地下经济消失
86.(多选)关于商业银行的派生存款能力,下列选项正确的是( )。
A.与原始存款成正比 B.与法定存款准备金率成反比
C.与超额存款准备金率成反比 D.与现金漏损率成正比
87.(多选)属于治理通货膨胀的政策措施主要有( )。
A.紧缩性货币政策 B.紧缩性财政政策
C.实施货币主义的单一规则 D.增加商品的有效供给
88.(多选)下面哪类属于贷款业务?( )
A.信用卡透支 B.贴现 C.公司贷款 D.消费信贷
89.(多选)我国商业银行的现金资产主要包括( )。
A.库存现金 B.法定准备金 C.超额准备金 D.存放同业款项
90.(多选)一般来说以下属于商业银行债券投资对象的是( )。
A.国债 B.中央银行票据 C.金融债券 D.商业银行票据
91.(多选)以下属于商业银行同业融资业务的是( )。
A.同业拆借 B.同业存款
C.同业代付 D.买入返售(卖出回购)
92.(多选)商业银行不得以( )等方式作出对银行业消费者不公平、不合理的规定,或者减轻、免除其损害消费者合法权益所应当承担的民事法律责任。
A.格式合同 B.通知 C.声明 D.告示
93.(多选)金融监管是首先从银行监管开始的,这和商业银行的一些特性有关,包括( )。
A.银行具有信用创造功能 B.银行具有资金中介功能
C.银行具有期限转换功能 D.银行具有票据清算功能
94.(多选)根据现行规定,计算银行资本充足率时应对下列哪几类风险计提风险加权资产?( )
A.信用风险 B.流动性风险 C.市场风险 D.操作风险
95.(多选)外汇交易最基本的两种形式是( )。
A.即期交易 B.套汇交易 C.择期交易 D.远期交易
96.(多选)下列各项中,外债结构管理包括( )。
A.融资结构管理 B.期限结构管理 C.利率结构管理 D.币种结构管理
97.(多选)下列各项中,影响国际储备适度规模的因素包括( )。
A.一国国际储备的范围及其在国际货币体系中的作用
B.一国国际融资能力的大小及其所处的国际环境
C.一国对汇率制度和汇率政策的选择
D.一国在特定时期的经济发展目标
98.(多选)保险业作为金融业和宏观经济的重要组成部分,对保险业进行监管具有积极作用。具体而言,这些好处包括( )。
A.保证金融市场的稳定 B.促进保险业健康发展
C.提高保险公司的竞争能力和盈利水平 D.保护保险消费者利益
99.(多选)农业保险是指保险机构根据农业保险合同,对被保险人在( )生产中因保险标的遭受约定的自然灾害、意 外事故、疫病、疾病等保险事故所造成的财产损失,承担赔偿保险金责任的保险活动。
A.种植业 B.林业 C.畜牧业 D.渔业
100.(多选)保险合同的一个重要特征就是最大诚信原则。下列体现了这一特征的是( )。
A.投保人的告知义务
B.保险人发现投保人未如实告知,仍然收取保费,事后不得以未如实告知解除保险合同
C.保险人自知道投保人未如实告知之日起超过30天,不得解除保险合同
D.保险人未就除外责任向投保人说明或提示,该除外责任无效
四、阅读下列短文,从每题所给的四个选项中,选出最佳选项。
(一)
Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea;the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss. In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured” and those who administer the pool of contributions as “insurers”.
Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.
请回答101-105题
101. According to this passage, insurance is possible because .
A. only a small proportion of the insured suffer loss B. everyone at some time suffers loss
B. C. nearly everyone suffers loss D. only insured people suffer loss
102. The phrase “the pool of contributions” in the first paragraph means .
A. the money paid by the insurers B. the cost of administering insurance
C. the money paid by the insured D. the amount of each premium
103.The insurance of businesses’ ordinary risks is not possible because .
A.such risks are very expensive B.such risks cannot be estimated precisely
C.such risks are too high D.the premium would be too high
104.Old-fashioned wording is sometimes used in insurance policies because .
A.law courts have decided not to use fashionable words
B.it is widely accepted by all the insured
C.it enables ordinary people to understand it easily
D.the meaning of such wording has been agreed upon
105. It seems that the author thinks the insurance is .
A.a form of gambling B.a way of making money quickly
C.useful and necessary D.old-fashioned
(二)
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosure after their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion-dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability, “said Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.
请回答106-110题
106. What can we learn about mortgage loans from the first paragraph?
A. The loans are expected to help seniors stay in their homes.
B. The loans are driving all seniors out of their homes.
C. The reverse mortgage only welcomes seniors.
D. Any senior can apply for reverse mortgages.
107. Which is true about the problem of reverse mortgage?
A. Some lenders are unwilling to lend money to seniors.
B. The borrowers cannot pay back the money as expected.
C. Federal and state regulators are documenting the objection.
D. Some lenders go bankrupt.
108. The phrase “facing foreclosure” most probably implies .
A. the widows are pressured to lose their own names
B. the widows may be forced to leave their homes
C. the widows have misunderstood the reverse mortgage
D. the widows do not know what their long-desired things are
109. Which is true about the new rules from Consumer Financial Protection Bureau?
A. The rules are good for lenders while bad for borrowers
B. The rules will help baby boomer seniors to save money
C. The rules will help consumers better understand reverse mortgage
D. The rules will be stricter for consumers
110. The “red flags” of reverse mortgage don't include .
A. explosive growth B. the reform of reverse mortgage market
C. little consideration to suitability D. aggressive and improper marketing
(三)
Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you?Mary is over there in the seat you sat last time. Would you like to join her for dinner again?” Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.
Sound a little bizarre?To some, this is the restaurant equivalent of the Internet. The Net’s ability to profile you through your visits to and interactions at websites provides marketers with an enormous amount of data on you——some of which you may not want them to have.
Are you aware that almost every time you access a website you get a “cookie” ?Unfortunately, it’s not the Mrs. Field’s recipe. A cookie on the Internet is a computer code sent by the site to your computer——usually without your knowledge. During the entire period of time that you are at the site, the cookie is collecting information about yourself, including where you visit, how long you stay there, and how frequently you return to certain pages.
While this may sound scary enough, cookies aren’t even the latest in technology. A new system called I-librarian Alexa——named after the legendary third century B.C. library in Alexandria, Egypt——does even more. While cookies track what you are doing at one site. Alexa collects data on all your web activities, such as which site you visit next, how long you stay there, whether you click on advertisements, etc. All this information is available to marketers, who use it to market more effectively to you. Not only do you not get paid for providing the information, you probably don’t even know that you are giving it.
请回答111-115题
111. In the restaurant story, the author may most probably think the waiter or waitress was .
A. stupid B. polite C. considerate D. annoying
112.The author makes up the restaurant story in order to .
A. show the good services offered in some web restaurants
B. criticize some restaurants for the poor services
C. show the Internet’s ability to collect data on you
D. prove the incredible power of the Internet to change your diet
113.What can be learned about “cookie” ?
A. It was created by Mrs. Field.
B. It collects information on you usually without your knowing it.
C. It is a hardware needed to access to your computer.
D. It is the latest in technology.
114. What can be learned about “Alexa” ?
A. Alexa is named after an ancient hero in Egypt.
B. Alexa is installed in libraries.
C. Alexa can provide all the necessary information about history.
D. Alexa can provide more data to marketers than a cookie.
115. Which of the following can best reflect the author’s attitude towards cookies and Alexa?
A. Doubtful. B. Approving. C. Welcoming. D. Optimistic.
(四)
The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
The rules will compel banks to share data easily with licensed third parties. Bankers in Europe complain that their profits and customer relationships are under threat. However, opening up banks, and the data they store, is good for consumers and competition, New providers will be better placed to offer all sorts of innovative services, such as a one-click option to put unspent monthly income into a pension plan.
Nevertheless, some concerns about PSD2 are legitimate. In particular, it is reasonable to wonder about the privacy and security implications of sensitive financial date being shared with third parties. But banks themselves are hardly
invulnerable to cyber attacks (网络攻击). And the solutions that the European regulators propose to deal with
these worries look promising. Third parties that want to use bank data will need to convince national regulators that their data defenses are solid and are subject to annual regulatory inspections.
The gap between writing rules and implementing them is always large. First, consent from customers to provide access to their bank data must be gained explicitly, and the purposes of the data use should be clearly explained. Second, regulators must be very tough both in ensuring that banks open up their infrastructure and in withdrawing the licenses of third parties that break the rules. Third, regulators must also be flexible enough to allow for changes as the market evolves. Since the new entrants will not be licensed to engage in riskier financial activities——such as lending money——it makes sense to regulate them with a lighter touch. But if some Fintech providers do end up becoming systemically important, higher standards of oversight might be necessary.
请回答116-120题
116. According to the first two paragraphs, what will banks in Europe be forced to do?
A. To keep clients’ data safe. B. To close down the poor services.
C. To give up their data monopoly. D. To disclose their sources of profits.
117. What can be inferred from passage on the effects of PSD2 in the second paragraph?
A. Customers are more likely to enjoy more innovative services.
B. People will no longer go to banks to deposit their money.
C. Service providers do not want to partner with banks.
D. People will receive more pension.
118. According to paragraph 3, what is the probable reason that privacy concerns about PSD2 are unnecessary?
A. Third parties will have to buy fraud insurance.
B. Regulators have come up with promising solutions.
C. Banks' defense against cyber attacks is strong.
D. Third parties will check clients' data monthly.
119. Which of the following is true in order to successfully implement PSD2?
A. Customers are forced to share their bank data.
B. Banks are required to open up their entire operational system.
C. Regulators should be both tough and flexible.
D. Banks and third parties should be regulated with a light touch.
120. What is the passage mainly about?
A. Challenges facing European regulators.
B. A new regulation in Europe that opens banks to competition.
C. The solutions to the flawed banking system in Europe.
D. A looming threat to customers' private bank data.
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