【单选题】

商业银行在贷款定价中,对于那些信用等级较高,而且与商业银行保持长期合作关系的优质客户,可以给予适当的优惠利率;而对于信用等级较低的客户,可以在基准利率的基础上调高利率。这体现了(   )的风险管理策略。

A.
风险规避
B.
风险补偿
C.
风险转移
D.
风险分散
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参考答案
参考解析
【单选题】

Passage1

    Come on-Everybody'sdoing it. That whispered message, half invitation and half forcing, is  what most of us think of when we hear thewords peer pressure. It usually leads to no good-drinking, drugs and casualsex. But in her new book Join the Club, Tina Rosenberg contends that  peer pressure can also be a positive forcethrough what she calls the social cure, in which organizations and officialsuse the power of group dynamics to help individuals improve their lives andpossibly the word.

    Rosenberg, therecipient of a Pulitzer Prize, offers a host of examples of the social cure inaction: In South Carolina, a state-sponsored antismoking program called RageAgainst the Haze sets

 out to make cigarettesuncool. In South Africa, an HIV-prevention initiative known as loveLife  recruits young people to promote safe sexamong their peers.

     The idea seemspromising, and Rosenberg is a perceptive observer. Her critique of the lamenessof many pubic-health campaigns is spot-on: they fail to mobilize peer pressurefor healthy habits ,and they demonstrate a seriously flawed understanding of psychology.   "Dare to be different, please don'tsmoke!" pleads one billboard campaign aimed at reducing smoking amongteenagers-teenagers, who desire nothing more than fitting in. Rosenberg arguesconvincingly that public-health advocates ought to take a page from advertisers, so skilled at applyingpeer pressure.

     But on the generaleffectiveness of the social cure, Rosenberg is less persuasive. Join the Clubis filled with too much irrelevant detail and not enough exploration of thesocial and biological factors that make peer pressure so powerful. The mostglaring flaw of the social cure as it's presented here is that it doesn't workvery well for very long. Rage Against the Haze failed once state funding wascut. Evidence that the loveLife program produces lasting changes is limited andmixed.

     There's no doubtthat our peer groups exert enormous influence on our behavior. An emerging bodyof research shows that positive health habits-as well as negative ones-spreadthrough networks of friends via social communication. This is a subtle form ofpeer pressure: we unconsciously imitate the behavior we see every day.

    Farless certain, however, is how successfully experts and bureaucrats can selectour peer groups and steer their activities in virtuous directions. It's likethe teacher who breaks up the troublemakers in the back row by pairing themwith better-behaved classmates. The tactic never really works. And that's theproblem with a social cure engineered from the outside: in the real world, asin school, we insist on choosing our own friends.


Paragraph 5 shows that our imitation of behaviors_______.

A.
is harmful to our networks of friends
B.
will mislead behavioral studies
C.
occurs without our realizing it
D.
can produce negative health habits
【单选题】

学生在课外阅读中,看到《钢铁是怎样炼成的》中主人公保尔•柯察金的一段话:“人最宝贵的东西是生命,生命属于人只有一次,人的一生应当这样度过:当他回首往事的时候,他不因虚度年华而悔恨,也不因碌碌无为而羞愧。”为了让学生更好地理解这句话,教师为学生推荐了几篇文章。下列最适合推荐的一项是()。

A.
笛福《鲁滨孙漂流记》
B.
高尔基《海燕》
C.
凡尔纳《海底两万里》
D.
夏洛蒂•勃朗特《简•爱》
【单选题】

下列哪一种脱氧核苷酸不是DNA的组分

A.
dTMP
B.
dCMP
C.
dGMP
D.
dUMP
E.
dAMP
【单选题】

下列试验中,可用于检测生殖细胞染色体损伤的试验是

A.
小鼠骨髓多染红细胞微核试验
B.
小鼠骨髓染色体畸变试验
C.
显性致死试验
D.
果蝇伴性隐性致死突变试验
E.
哺乳动物细胞正向突变试验
【单选题】

下列哪个条文属于空白罪状?(       )

A.

 《刑法》第277条第1款:“以暴力、威胁方法阻碍国家机关工作人员依法执行职务的,处三年以下有期徒刑、拘役、管制或者罚金”

B.

 《刑法》第133条:“违反交通运输管理法规,因而发生重大事故,致人重伤、死亡或者使公私财产遭受重大损失的……”

C.

 《刑法》第451条:“本章所称战时,是指国家宣布进入战争状态、部队受领作战任务或者遭敌突然袭击时。部队执行戒严任务或者处置突发性暴力事件时,以战时论”

D.

 《刑法》第177条第2款:“单位犯前款罪的,对单位判处罚金,并对其直接负责的主管人员和其他直接责任人员,依照前款的规定处罚”

【单选题】

《海牙规则》规定的诉讼时效是(   )年。

A.

 四

B.

 二

C.

 一

D.

 半

【单选题】

公司职工甲因工作疏忽给公司造成经济损失10000元,已知甲每月工资收入为2500元,当地月最低工资为1800元。根据劳动合同法律制度的规定,该公司应对甲每月工资扣除的最高限额为(  )元。

A.
500
B.
700
C.
800
D.
1000
【单选题】
某施工企业,因擅自降低工程质量标准,造成一起较大事故。依据《中华人民共和国刑法》,下列对该企业直接责任人员的量刑中,合适的是(   )。
A.
处2年有期徒刑,并处罚金
B.
处4年有期徒刑,并处罚金
C.
处6年有期徒刑,并处罚金
D.
处12年有期徒刑,并处罚金
【单选题】

后浇带根据设计要求留设。若设计无要求,则至少保留(  )后再浇筑。

A.
7d
B.
14d
C.
21d
D.
28d
【单选题】

《盐铁论》称之为"论心定罪"的司法审判方式指(   )。

A.

文字狱

B.

春秋决狱

C.

秋审

D.

三司推事