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2021年2021年2019年初级银行从业资格考试风险管理考点试题二.pdf

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1、1 2019年初级银行从业资格考试风险管理考点试题二银行行业风险是未来结果出现收益或损失的不确定性，一起来看看考试栏目组为你提供的2019 年初级银行从业资格考试风险管理考点试题二，希望能够帮助到你考试顺利。2019 年初级银行从业资格考试风险管理考点试题二【例题】风险是指()。A.损失的大小B.损失的分布C.未来结果的不确定性D.收益的分布正确答案 C 答案解析概念、记忆类。风险是未来结果出现收益或损失的不确定性。【例题】假定股票市场一年后可能出现5 种情况，每种情况所对应的概率和收益率如下表所示：概率0.05 0.20 0.15|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|

2、*|*|欢.|迎.|下.|载.第 1 页，共 14 页2 0.25 0.35 收益率50%15%-10%-25%40%则，一年后投资股票市场的预期收益率为()。A.18.25%B.27.25%C.11.25%D.11.75%正确答案 D 答案解析本题考查对预期收益率的计算。通过加权平均计算可以得出，预期收益率=0.05 50%+0.2015%+0.15(-10%)+0.25(-25%)+0.3540%=0.1175。【例题】商业银行利用()应对非预期损失。A.提取损失准备金B.冲减利润C.资本金D.购买保险正确答案 C 答案解析本题考查风险与损失的关系。商业银行利用资本|精.|

3、品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 2 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1

4、文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H

5、3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7

6、L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4

7、L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y

8、7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1

9、K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L13 金来应对非预期损失。【例题】商业银行的信贷业务不应集中于同一业务同一性质同一国家的借款者，应是多方面开展，这是基于()的风险管理策略。A.风险对冲B.风

10、险分散C.风险转移D.风险补偿正确答案 B 答案解析概念、记忆类。根据多样化投资分散风险原理，商业银行可以通过信贷资产组合管理或与其他商业银行组成银团贷款的方式，使授信对象多样化，从而分散和降低风险。【例题】某商业银行在发放贷款时，要求借款人以第三方作为还款保证。若借款人在贷款到期时不能偿还贷款本息，则保证人必须代为清偿。这是风险管理技术和措施的()方法。A.风险对冲B.风险分散C.风险转移D.风险规避正确答案 C 答案解析风险转移是指通过购买某种金融产品或采取其他合法的经济措施将风险转移给其他经济主体的一种策略性选择。本题中的做法正是风险转移方法的应用：银行将风险转移给保证人。|精.|品.|

11、可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 3 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编

12、码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7

13、 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10

14、 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文

15、档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3

16、A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L

17、10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L14【例题】商业银行()的做法简单地说就是不做业务，不承担风险。A.风险转移B.风险规避C.风险补偿D.风险对冲正确答案 B 答案解析概念、理解记忆类。风险规避是指

18、商业银行拒绝或退出某一业务或市场，以避免承担该业务或市场风险的策略性选择。【例题】在风险发生之前，风险管理者因发现从事某种经营活动可能带来风险损失，因而有意识地采取规避措施，主动放弃或拒绝承担该风险，属于()的风险管理方法。A.风险补偿B.风险分散C.风险规避D.风险转移正确答案 C 答案解析概念、记忆类。风险规避是指商业银行拒绝或退出某一业务或市场，以避免承担该业务或市场风险的策略性选择。【例题】对于不可管理的风险，商业银行可以采取的管理办法有()。|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 4 页，共 14 页文档编码:CZ4U3Y7H3

19、A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L

20、10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L

21、1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7

22、H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K

23、7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K

24、4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3

25、Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L15 A.风险分散B.风险对冲C.风险转移D.风险规避E.风险补偿正确答案 CDE 答案解析对比分析各种风险管理及其特征。【例题】巴塞尔委员会将商业银行的风险划分为信用风险、市场风险、操作风险、流动性风险、国家风险、声誉风险、法律风险、战略风险的依据是()。A.按风险事故B.按损失结果C.按风

26、险发生的范围D.按诱发风险的原因正确答案 D 答案解析商业银行风险的主要类别。【例题】信用风险的主要形式包括()。A.结算风险B.系统性风险C.非系统风险D.违约风险E.战略风险|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 5 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10

27、ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档

28、编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A

29、7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L1

30、0 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1

31、文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H

32、3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7

33、L10 ZO7F6U4K4L16 正确答案 AD 答案解析信用风险包括结算风险和违约风险。【例题】操作风险的人员因素包括()造成损失或者不良影响而引起的风险。A.外部欺诈B.失职违规C.产品服务缺陷D.职员内部欺诈E.违反用工法律正确答案 BDE 答案解析操作风险的人员因素主要是指因商业银行员工发生职员欺诈、失职违规、违反用工法律等。【例题】与市场风险和信用风险相比，商业银行的操作风险具有()。A.特殊性、非营利性B.普遍性、非营利性C.特殊性、营利性D.普遍性、营利性正确答案 B 答案解析本题考查商业银行的操作风险特征。与市场风险主要存在于交易账户和信用风险主要存在于银行账户不同，操作风险广

34、泛存在于商业银行业务和管理的各个领域，具有普遍性和非营利|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 6 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U

35、3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1

36、V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6

37、U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ

38、4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1

39、M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7

40、F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L17 性，不能给商业银行带来盈利。【例题】通常情况下，导致商业银行破产倒闭的直接元凶是()。A

41、.违约风险B.市场风险C.操作风险D.流动性风险正确答案 D 答案解析流动性风险是银行所有风险中最具破坏力的风险。几乎所有摧毁银行的风险都是以流动性风险爆发来为银行画上句号的。流动性风险堪称银行风险中的“终结者”。【例题】按照巴塞尔新资本协议的规定，()是一种特殊类型的操作风险，它包括但不限于因监管措施和解决民商事争议而支付的罚款、罚金或者惩罚性赔偿所导致的风险敞口。A.法律风险B.市场风险C.操作风险D.合规风险正确答案 A 答案解析法律风险是一种特殊类型的操作风险，它包括但不限于因监管措施和解决民商事争议而支付的罚款、罚金或者惩罚性赔偿所导致的风险敞口。【例题】商业银行因未能及时根据市场变

42、化和客户需求创新产|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 7 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L1

43、0 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1

44、文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H

45、3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7

46、L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4

47、L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y

48、7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L18 品和服务，丧失了宝贵的客户资源，从而失去了在传统业务领域的竞争优势。此类风险属于市场风险。()A.对B.错正确答案 B 答案解

49、析本题考查市场风险的含义。市场风险是指金融资产价格和商品价格的波动给商业银行表内头寸、表外头寸造成损失的风险。【例题】下列选项关于信用风险和市场风险、操作风险的辨析，说法正确的是()。A.信用风险具有明显的系统性风险特征B.市场风险具有数据有数和易于计量的特点，具有明显的非系统风险特征，难以通过分散化投资完全消除C.操作风险具有非营利性，容易引发市场风险和信用风险D.以上说法皆不正确正确答案 C 答案解析不同类型风险对比。信用风险具有明显的非系统性风险，市场风险具有明显的系统性风险。【例题】2007 年底，美国爆发了次级债危机。长期以来，有些美资商业银行员工违规向信用分数较低、收入证明缺失、负

50、债较重的人提供贷款，由于房地产市场回落，客户负担逐步到了极限，大量违约客户出现，不再偿还贷款，形成坏账，次级债危机就产生了。危机|精.|品.|可.|编.|辑.|学.|习.|资.|料.*|*|*|*|欢.|迎.|下.|载.第 8 页，共 14 页文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3A7 HM1M1V1K7L10 ZO7F6U4K4L1文档编码:CZ4U3Y7H3

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