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商业银行最重要的负债业务是( )。
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在商业银行的负债业务中处于最重要地位的业务是
吸收存款
筹集资本金
发行债券
向央行借款
关于对公业务对于商业银行的重要性下列说法正确的是
法人贷款占商业银行信贷资产比重最大，其规模、质量、管理能力和风险防范水平，对商业银行整体经营管理水平有重要影响
对公存款是商业银行负债的重要组成部分，也是低成本负债的主要来源，对改善银行存款结构、降低经营成本起到重要作用
对公业务客户是中间业务产品的主要购买对象 ，也是商业银行深挖客户需求、获得高价值综合回报的重要目标客户群。
做大做强对公业务是商业银行日常经营的主要目标 ，也是商业银行扩大资产规模、提升市场地位的基本手段之一。
商业银行最基本和最重要的业务是
负债业务
存款业务
现金业务
投资业务
商业银行的负债中最重要的是
同业拆借
向中央银行的贷款
存款
向中央银行借款
商业银行的负债中最重要的是
同业拆借
向中央银行的贷款
存款
发行债券
商业银行各类资产业务中最重要的业务是
贷款类业务、票据类业务、债券投资类业务
金融同业业务
商业银行中间业务是指不构成商业银行表内资产表内负债在资产业务和 负债业务的基础上利用技术信息等方面的
是商业银行最基本最重要的业务
负债业务
资产业务
贷款业务
表外业务
商业银行的负债中最重要的是
同业拆借
向中央银行的贷款
存款
发行债券
商业银行的业务主要分为资产业务负债业务和其他业务商业银行负债业务不包括
租赁业务
从中央银行借款
吸收存款
发行商业票据
公司信贷是商业银行重要的
资产业务
负债业务
中间业务
表外业务
负债业务是商业银行形成资金来源的业务是商业银行资产业务和中间业务的重要基础商业银行负债主要由构成
存款、贷款
存款、借款
债券、贷款
债券、拆借
负债业务是支撑商业银行资产业务的重要资金来源商业银行负 债业务管理应遵循基本原则不包括
依法筹资原则
成本控制原则
量力而行原则
公开透明原则
既是商业银行形成资金来源的业务又是商业银行另外两个业务重要基础的是
资产业务
中间业务
负债业务
存款业务
在商业银行的负债业务中处于最重要地位的业务是
吸收存款
筹集资本金
収行债券
向央行借款
在商业银行的负债业务中处于最重要地位的是
汲取存款
资本金
发行债券
向央行借款
基金业务是给商业银行带来非利息收入的业务构成商业银行表内资产负债业务
关于商业银行负债业务的说法正确的有
负债是商业银行的资金来源
负债是商业银行开展经营活动的基础
商业银行的存款经营必须不断创新金融产
现金管理是存款经营的衍生服务
商业银行的负债主要来源于同业借款
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YoucannotbuyPradashoesonPrada.com.InfacttherearenoworkinglinksontheWebsite.Thisisnotatechnicaldisorder.Sincethelate’9OsthesitehasbeenasinglepagewithonlythenameoftheItalianfashionhouseandtwophotographs.Nostorelocationsorhelpnumbers.Nothing.IlovePradapondersNinaDietzelpresidentofWeb-designcompany300FeetOut.Butwhat’supwiththeir’site’PradaclaimsanewWebsiteisunderdevelopment.Buthavingamysteriouslyuselesshomepageitadmitshasanallure.Itscreamsexclusivity:youcanseebutyoucan’tclick.It’sauniquelyPradasolutiontothisriddle:howtomakeyourluxurybrandworkontheInternetwithoutdiminishingitsvalue.InasensetheInternetisantitheticaltothehightouchluxuryexperience.ThereisnoindulgencebysalesstaffandcustomershavecometoseetheNetasapathtocheappricesnottop-dollargoods.There’snovelvetrope:anyonecanplaceanorderorsetupshop.That’swhyPradastrivestomaintainthelinkbetweenitsnameandtheextravagantexperienceofshoppingatstoreslikeits$40millionNewYorkflagshipdesignedbyRemKoolhaas.UnlikePradamostluxurycompaniescan’taffordtoignoretheWeb:intheUnitedStatesecommerceaccountedfor$2.5billioninluxurysales.Thatfigureisexpectedtogrowto$7billionby2010saysForresterResearch.It’sstillasmallfractionofthetotalmarketcomparedtootherretailsectorsbutfiveyearsagoanalystssaidtherewasnowayluxurywouldsellonline.Theywerebettingcustomerswouldn’tpaythatmuchontheWebandtopbrandswouldn’tgoslumminginthisbargainbasement.Oneofthefirsthigh-endluxuryretailersAshford.comhadmanywell-publicizedstruggleswithitsstockdroppingtonearrockbottomin2001.CompanieslikeNeimanMarcusthathavestrongcatalogsaleshavemadethetransitiontotheWebmoreeasily;onlinesalesarethecompany’sfastest-growingsourceofrevenue.SwisswatchmakersBreitlingandPatekPhilippehavetakenanothertackwithWebsitesthatofferonlyinformationnotsales.BreitlingdirectorofmarketingBenBalmersaysaluxurybrandneedstoofferabuyingexperiencethatonlyawell-runstorecanprovide.Howeverhenotesthatsince2002ithaspresented30percentfewercatalogsintheUnitedStatesandseensalesrisemorethan35percentthankstoexposureontheInternet.PradamaynotneedaworkingWebsiteafterall.Whatistheauthor’sattitudetowardthesalesoninternet
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Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.16
CouldHIVthevirusthatcausesAIDSbeweakeningTheresultsofastudyconductedinBelgiumattheInstituteofTropicalMedicineinAntwerpseemtosuggestthatinonecorneroftheworlditmightbe.ThereportpublishedinthelatestissueofAIDSaspecialistjournalconcludesthatHIV’sabilitytoreplicateknowntechnicallyasitsvirulencemayhavedecreasedsincethestartofthepandemic.KevinAdentheleadauthorofthepaperstressesthatthestudyisbasedonasmallsetofsamplesanddoesnotprovethatHIV’svirulenceisattenuatingaroundtheworld.Howeveritdoesoffernewinsightsintotheevolutionofthedisease.Dr.Arienlookedat24bloodsamplescollectedfromuntreatedpatientsattendinganHIV/AIDSclinicinAntwerp.Adozenofthesesamplesweretakenbetween1986and1989;theother12werecollectedbetween2002and2003.Firstheanalyzedthesamplestofindtheirviralloadthenumberofvirusparticlespercubiccentimeterandthesubtypeofvirusinvolved.InEuropeandNorthAmericathepredominantsubtypeisB;insub-SaharanAfricawheretheepidemicisatitsworstthepredominantsubtypeisC.MostofDr.Arien’ssampleswereofsubtypeB.Havingdonethisanalysishepairedthesamplesoffforaseriesofreplicativeduels.Eachsamplefromtheearlierserieswasmatchedwiththemostsimilaronefromthelaterseriesandtheywereplacedinidenticalcellculturestoseewhichwouldmultiplythemost.Theresultwasthat75%ofthevirusesfrom2002-03werelessvirulentthanapparentlysimilarcounterpartsfrom1986-89--astatisticallysignificantobservation.Dr.Arien’scautionissensibleatleastuntilsomeonereplicatestheworkelsewhere.Buthisconclusionisnotnecessarilysurprising.Suchviralattenuationasitisknownisonewaythatvaccinesareproduced.Whatcausesattenuationinwildvirusesthoughisamatterofspeculation.DrArienbelievesthatinthiscasetheattenuationcouldbetheresultofwhathecallsserialgeneticbottlenecksduringtransmissionfromhosttohost.Theseacttoreducethegeneticdiversityandthusthereplicativefitnessofthevirus.GeneticdiversityisknowntobeanimportantcomponentofHIV’svirulence.Butwhatmightcausethebottlenecksisstillunclear.AsecondreasonforcautionbesidesthesmallsizeofthestudyisasGeoffreyGarnettaprofessorofmicroparasiteepidemiologyatImperialCollegeLondonpointsoutthattheabilityofavirustoinfectcellsinatest-tubeisnotthesameasitsabilitytocausediseaseanddeathinahumanhost.NeverthelessDrAden’sresultisintriguingandsurelyworthfollowingupinalargerpieceofresearch.BysayingDr.Arien’scautionissensibleLine1Paragraph3theauthorimpliesthat
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.8
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相对其他金融机构商业银行的基本特征是什么
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.12
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.4
YoucannotbuyPradashoesonPrada.com.InfacttherearenoworkinglinksontheWebsite.Thisisnotatechnicaldisorder.Sincethelate’9OsthesitehasbeenasinglepagewithonlythenameoftheItalianfashionhouseandtwophotographs.Nostorelocationsorhelpnumbers.Nothing.IlovePradapondersNinaDietzelpresidentofWeb-designcompany300FeetOut.Butwhat’supwiththeir’site’PradaclaimsanewWebsiteisunderdevelopment.Buthavingamysteriouslyuselesshomepageitadmitshasanallure.Itscreamsexclusivity:youcanseebutyoucan’tclick.It’sauniquelyPradasolutiontothisriddle:howtomakeyourluxurybrandworkontheInternetwithoutdiminishingitsvalue.InasensetheInternetisantitheticaltothehightouchluxuryexperience.ThereisnoindulgencebysalesstaffandcustomershavecometoseetheNetasapathtocheappricesnottop-dollargoods.There’snovelvetrope:anyonecanplaceanorderorsetupshop.That’swhyPradastrivestomaintainthelinkbetweenitsnameandtheextravagantexperienceofshoppingatstoreslikeits$40millionNewYorkflagshipdesignedbyRemKoolhaas.UnlikePradamostluxurycompaniescan’taffordtoignoretheWeb:intheUnitedStatesecommerceaccountedfor$2.5billioninluxurysales.Thatfigureisexpectedtogrowto$7billionby2010saysForresterResearch.It’sstillasmallfractionofthetotalmarketcomparedtootherretailsectorsbutfiveyearsagoanalystssaidtherewasnowayluxurywouldsellonline.Theywerebettingcustomerswouldn’tpaythatmuchontheWebandtopbrandswouldn’tgoslumminginthisbargainbasement.Oneofthefirsthigh-endluxuryretailersAshford.comhadmanywell-publicizedstruggleswithitsstockdroppingtonearrockbottomin2001.CompanieslikeNeimanMarcusthathavestrongcatalogsaleshavemadethetransitiontotheWebmoreeasily;onlinesalesarethecompany’sfastest-growingsourceofrevenue.SwisswatchmakersBreitlingandPatekPhilippehavetakenanothertackwithWebsitesthatofferonlyinformationnotsales.BreitlingdirectorofmarketingBenBalmersaysaluxurybrandneedstoofferabuyingexperiencethatonlyawell-runstorecanprovide.Howeverhenotesthatsince2002ithaspresented30percentfewercatalogsintheUnitedStatesandseensalesrisemorethan35percentthankstoexposureontheInternet.PradamaynotneedaworkingWebsiteafterall.WhydoesPradaignorethesalesonWeb.
下列属于狭义外汇的有
Agrowingnumberofwomenarerisingtothetop--andbeginningtochangethecultureoftheworkplace.Thisshouldbeaseasonofcelebration.Afterallbymanymeasuresthere’sneverbeenabettertimetobeawoman.InplaceslikeScandinaviaandBritainathirdormoreofallcorporatemanagersarenowwomen.ThenumberoffemaleexecutivedirectorsofFISE100companiesnearlydoubledfrom2000to2004.LatinAmericahasseena50percentjumpinthenumberofwomenpoliticiansinthelastdecade.Japanvoted26newfemaleparliamentariansintoofficethisyear.Ofcoursethejewelintheequal-opportunitycrownwasthisfall’selectionofAngelaMerkel--oncenicknamedtheGirlbyHelmutKohl--toGermany’shighestoffice.Butasalwaysstatisticstellamultifacetedstory.Sureit’snolongerananomalytohaveafemaleCEO--buttherearestillonly17femaleexecutivedirectorsinthelargestFTSE100companies.IntheEUParliamentonly23outof162membersarefemale.InBritainstudiesshowthatwomenhaveneverbeenmoredissatisfiedwiththeworkplace.Nowonder:theEUpaygapbetweenmenandwomenshrankonlyonepointinthelastcoupleofyearsto17.5percent.SowheredoesallthisleaveusWithsomebigchallengesthatrequiremorefemaleleadershiptosolve.Atsomemajorcompanies--includingShellandBritishTelecom--womenarecombatingtheold-boys’clubatmospherebystartingtheirownnetworkslinkingtopfemaleleaderswithup-and-comerstheycanmentor.Laborflexibilityisalsoontheagenda;inpartsofEuropetopfemalelegislatorshavefoughttogiveemployeeswithchildrenorelderlyparentstherighttoaskforadjustablehours.Perhapsmostimportantthereisanincreasinglyvibrantdebatearoundwork-lifebalance.Studyafterstudyshowsthatitisaworkingwoman’ssecondfull-timejob--ascaregiver--thatmakesitmostdifficultforhertostayonthecareerladder.Whileextrabenefitsandlongermaternityleavecanhelptheyaren’tacompletesolution.Clearlysomeout-of-the-boxthinkingisrequired.Andthat’swherewomencomein.IncountrieslikeCameroonBoliviaandMalaysiagreaternumbersofwomeninpublicofficehaveresultedinlessspendingonthemilitaryandmoreonhealtheducationandinfrastructure.Norway’swoman-heavyParliamentrecentlypassedalawmandatingthat40percentofdirectorsoncorporateboardsbewomen.AndinGermanythearchetypaloutsider--awomanwhogrewuponthewrongsideoftheIronCurtain--willlikelytakethehelminacountrywithvirtuallynootherwomenintoppositionsofpower.NolongertheGirlbutpoisedtobecomethechancellorMerkelisasymbolofhowfarwomenhavecome--andtheworkthatremainstobedone.Wecanlearnfromthethirdparagraphthat
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.18
DespitethedoubtsanddespitecomplaintsfromshopownersLondon’scongestioncharge--introducedinFebruary2003--hasmanagedtoeasethegridlockinthecitycentre.Trafficisdownby18%jamsby30%.Thescheme’sbiggestweaknessisthatitiscrude:driverspay￡8$14toenterthezonebetween7amand6:30pmregardlessofhowcongestedtheroadsareorhowlongtheystay.Soroad-pricingfansarewatchingtrialsbyTransportforLondonTfLofanewdetectionsystemcalledtag-and-beaconwithinterest.UndersuchaschemeusedinSingaporeandonsomeEuropeanroadscarsarefittedwithelectronictagsthatarereadbyroadsidemasts.IfthetrialissuccessfulTfLsaysthatthecitycouldswitchtothesystemoncethecontracttorunthecongestionchargeisre-letin2009.Currentlycamerasareusedtoreadlicenseplatesandtrackmotorists.Theyarenotalwaysreliable:anindividualcameraidentifiesonlyaround70%ofcars.Mostdrivengetphotographedmorethanoncewhichbooststhesystem’seffectivenesstoover95%butthatstillleavesseveralthousandvehiclesperdaywhosedetailsmustbelaboriouslycheckedbyhand.Tag-and-beacontechnologyismuchmoreaccuratewithanidentificationrateofover99%.TfLsaysthetrialispartlydesignedtoseewhetherthenewsystemcouldallowdriverstopaychargesbydirectdebit.Thatwouldbepopularwithmotoristswhocomplainthatthecurrentpaymentsystemisunfriendly:thetollforaday’stravelmustbepaidmanually--onlinebyphoneorinashop--bymidnightwithsteepfinesleviedonforgetfuldrivers.Moreprecisedetectionalsoallowsformoreprecisioninpolicyandroad-pricingenthusiastsseeradicalpossibilitiesahead.TfLsaysitisconsideringusingthenewtechnologytochargedriverseachtimetheycrossthezoneboundaryuptoadailymaximuminsteadofpayingonceforanentireday’stravel.Thatwouldbecheaperfordriverswhomakefewtripsintothezonealthoughdriverswhospendalongtimetrundlingaroundwithoutleavingtherebycausingthemostcongestionwouldgetofflightlytoo.Furtherrefinementsmaybepossible.Thecurrentsystemhascuttrafficmostdrasticallyinthemiddleofthedaywhencongestionisatitslowest.Demandforroadspacewouldbettermatchsupplyifchargeswerevariable--highatthebusiesttimesofdayandlowinquietperiods.Suchatime-sensitivevariable-chargingschemeusingatag-and-beaconsystemwasendorsedlastyearbyBobKileytheTfL’sbosswhoalsosaidthathewantedtoextendthecongestionchargetootherpartsofLondon.ThatwouldbecontroversialandMr.Kiley’sunderlingswerequicktoinsistthathismusingswerenotofficialpolicy.ButtheoriginalschemewascontroversialtooyetKenLivingstoneLondon’smayoranditsbiggestbackerwasre-electedafterintroducingit.Itwouldbeashameiftimiditytookholdnow.Fromparagraph1weknowthatLondon’scongestionchargescheme
YoucannotbuyPradashoesonPrada.com.InfacttherearenoworkinglinksontheWebsite.Thisisnotatechnicaldisorder.Sincethelate’9OsthesitehasbeenasinglepagewithonlythenameoftheItalianfashionhouseandtwophotographs.Nostorelocationsorhelpnumbers.Nothing.IlovePradapondersNinaDietzelpresidentofWeb-designcompany300FeetOut.Butwhat’supwiththeir’site’PradaclaimsanewWebsiteisunderdevelopment.Buthavingamysteriouslyuselesshomepageitadmitshasanallure.Itscreamsexclusivity:youcanseebutyoucan’tclick.It’sauniquelyPradasolutiontothisriddle:howtomakeyourluxurybrandworkontheInternetwithoutdiminishingitsvalue.InasensetheInternetisantitheticaltothehightouchluxuryexperience.ThereisnoindulgencebysalesstaffandcustomershavecometoseetheNetasapathtocheappricesnottop-dollargoods.There’snovelvetrope:anyonecanplaceanorderorsetupshop.That’swhyPradastrivestomaintainthelinkbetweenitsnameandtheextravagantexperienceofshoppingatstoreslikeits$40millionNewYorkflagshipdesignedbyRemKoolhaas.UnlikePradamostluxurycompaniescan’taffordtoignoretheWeb:intheUnitedStatesecommerceaccountedfor$2.5billioninluxurysales.Thatfigureisexpectedtogrowto$7billionby2010saysForresterResearch.It’sstillasmallfractionofthetotalmarketcomparedtootherretailsectorsbutfiveyearsagoanalystssaidtherewasnowayluxurywouldsellonline.Theywerebettingcustomerswouldn’tpaythatmuchontheWebandtopbrandswouldn’tgoslumminginthisbargainbasement.Oneofthefirsthigh-endluxuryretailersAshford.comhadmanywell-publicizedstruggleswithitsstockdroppingtonearrockbottomin2001.CompanieslikeNeimanMarcusthathavestrongcatalogsaleshavemadethetransitiontotheWebmoreeasily;onlinesalesarethecompany’sfastest-growingsourceofrevenue.SwisswatchmakersBreitlingandPatekPhilippehavetakenanothertackwithWebsitesthatofferonlyinformationnotsales.BreitlingdirectorofmarketingBenBalmersaysaluxurybrandneedstoofferabuyingexperiencethatonlyawell-runstorecanprovide.Howeverhenotesthatsince2002ithaspresented30percentfewercatalogsintheUnitedStatesandseensalesrisemorethan35percentthankstoexposureontheInternet.PradamaynotneedaworkingWebsiteafterall.InthefirstparagraphtheinternetofPradaismentionedto
不影响商业银行创造派生存款能力的因素有
下表列举的是银行报出的GBP/USD的即期与远期汇率银行A银行B银行C即期汇率1.6830/401.6831/391.6832/423个月汇水39/3642/3839/36问你将从银行按最佳汇率买进远期英镑
菲利普•莫里斯发行一种半年付息的债券具有如下特性利率为8%收益率为8%期限为15年麦考利久期为10年1利用上述信息计算调整后的久期2解释为什么调整后的久期是计算债券利率敏感性的较好方法3确定调整后的持有期变动的方向如果①息票率为4%而不是8%②到期期限为7年而不是15年4确定凸性说明在给定利率变化的情况下调整后的久期与凸性是怎样用来估计债券价格的变动的
Agrowingnumberofwomenarerisingtothetop--andbeginningtochangethecultureoftheworkplace.Thisshouldbeaseasonofcelebration.Afterallbymanymeasuresthere’sneverbeenabettertimetobeawoman.InplaceslikeScandinaviaandBritainathirdormoreofallcorporatemanagersarenowwomen.ThenumberoffemaleexecutivedirectorsofFISE100companiesnearlydoubledfrom2000to2004.LatinAmericahasseena50percentjumpinthenumberofwomenpoliticiansinthelastdecade.Japanvoted26newfemaleparliamentariansintoofficethisyear.Ofcoursethejewelintheequal-opportunitycrownwasthisfall’selectionofAngelaMerkel--oncenicknamedtheGirlbyHelmutKohl--toGermany’shighestoffice.Butasalwaysstatisticstellamultifacetedstory.Sureit’snolongerananomalytohaveafemaleCEO--buttherearestillonly17femaleexecutivedirectorsinthelargestFTSE100companies.IntheEUParliamentonly23outof162membersarefemale.InBritainstudiesshowthatwomenhaveneverbeenmoredissatisfiedwiththeworkplace.Nowonder:theEUpaygapbetweenmenandwomenshrankonlyonepointinthelastcoupleofyearsto17.5percent.SowheredoesallthisleaveusWithsomebigchallengesthatrequiremorefemaleleadershiptosolve.Atsomemajorcompanies--includingShellandBritishTelecom--womenarecombatingtheold-boys’clubatmospherebystartingtheirownnetworkslinkingtopfemaleleaderswithup-and-comerstheycanmentor.Laborflexibilityisalsoontheagenda;inpartsofEuropetopfemalelegislatorshavefoughttogiveemployeeswithchildrenorelderlyparentstherighttoaskforadjustablehours.Perhapsmostimportantthereisanincreasinglyvibrantdebatearoundwork-lifebalance.Studyafterstudyshowsthatitisaworkingwoman’ssecondfull-timejob--ascaregiver--thatmakesitmostdifficultforhertostayonthecareerladder.Whileextrabenefitsandlongermaternityleavecanhelptheyaren’tacompletesolution.Clearlysomeout-of-the-boxthinkingisrequired.Andthat’swherewomencomein.IncountrieslikeCameroonBoliviaandMalaysiagreaternumbersofwomeninpublicofficehaveresultedinlessspendingonthemilitaryandmoreonhealtheducationandinfrastructure.Norway’swoman-heavyParliamentrecentlypassedalawmandatingthat40percentofdirectorsoncorporateboardsbewomen.AndinGermanythearchetypaloutsider--awomanwhogrewuponthewrongsideoftheIronCurtain--willlikelytakethehelminacountrywithvirtuallynootherwomenintoppositionsofpower.NolongertheGirlbutpoisedtobecomethechancellorMerkelisasymbolofhowfarwomenhavecome--andtheworkthatremainstobedone.Bysayingsomeout-of-the-boxthinkingisrequiredtheauthormeansthat
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.20
Soyou’vebeenwithyourcompanyforawhileandhavebeenexceedingallofyourmanager’sexpectations.Youworkhardareagreatteamplayercomeupwithnewideastotakethebusinessfurtherandareanall-aroundjoyintheworkplace. Ifyouhaven’tbeenpromotedorbeenbumpedupinsalaryautomaticallyitmightbetimetotakethebullbythehornsandapproachthistopicyourself.Whileaskingforaraisemakesmanypeopleuncomfortableandnervousthesituationcanbeabreezeifhandledcorrectly. Thefollowingareafewstepstofollowtomakesureyourrequestdoesnotfallondeafears: 41.Doyourresearch. Likeanyotherelementofyourcareeritallstartswithresearch.Inordertopresentyourmanagerwithacompellingcaseinyourfavoryouneedtoknowwhatthegoingrateisforsomeonewithyourexperienceandinyourposition. 42.Outlineacaseforyourself. Whengoingintoanykindofnegotiationsessionyouneedtobeequippedwiththerightamountofammunition.Beforeyouwalkintoyourmeetinglookbackatyourtimewiththecompanyandhighlightyouraceomplishments.Comeupwithalistofspecificexamplesofwaysyouhavebeenavaluableassettothebusiness.Findfactsandfiguresthatdemonstratewhatyouhaveexcelledusingnumberswheneverpossible. Ifyoureallywanttoknocktheirsocksoffputyouraccomplishmentsintoaformalpresentationalbeitbriefthatoutlineseachofyourgoalsandhowyouhaveachievedthem.Thiswilldemonstratethatyouareprofessionalwillingtogotheextramileandhavethoughtaboutyourrequestthoroughly. 43.Knowwhat’sgoingoninyourneighborhood. Therearegoodtimesandbadtimestoaskforaraiseatanycompany. Scheduleampletimetopresentyourcaseandmakesureyourtimingisright. Askingforaraiseontheflyafterjustwalkingintoyourmanager’sofficetochatwillnotbenefityouorimpressyourboss. Makesureyouhavetimetopresentyourcaseandthatyourmanagerhastimetothinkaboutyourpresentation.Requestameetingwithyoursupervisoratleastahalf-hourlong.Thinkaboutyourtimingwhenyouschedulethemeetingtoo.Ifyourdepartmenthasabevyofdeadlinestomeetattheendofeachmonthdon’tscheduleyourmeetingonthe29th.Pickatimewhenyourmanagerwillbesuretobeinagoodmoodandnotoverlystressed. 44.Avoidthreatsordemands. Thelastthingyouwanttodoistoputyoursupervisoronthedefensive. Beprofessionalandifyourjobisworthkeepingwillingtolistentotheotherside.Keepthemeetingpositiveandyouroutcomewillbemorepositive. 45.Rememberthatnotallperksaremonetary. Don’tfallintothetrapofthinkingyouarenotvaluedifyoudonotgetexactlywhatyouhadexpected. [A]Ifyouapproachyourmanagerforaraiseinatimeofdownsizingandcost-cuttingyouwillnotonlybedeniedbutwillalsoshowthatyouarenotintunewiththecompany’sneeds.Makesureyouunderstandyourcompany’soverallfinancialsituation. [B]Forexampleifyoudevelopedamarketingplanthathelpedincreasesalesmakesureyouhavethosesalesfiguresonhandaswellasyourroleintheplananditsexecution.Besuretotieyourownsuccessintotheoverallsuccessofthecompany. [C]Ifyourcompanyisstrappedfinanciallybutyouandyourmanagerstillcometotheconclusionthatitistimeforyoutoberewardedforyourperformanceyoumightbeabletonegotiateforstockoptionsmorevacationtimeorothernon-monetarybenefits. [D]Whenyoucomeupwithyourdesiredraiseinyourbasesalarygoover2%.Ifyouwant8%thenaskfor10%. [E]YoucanfindoutwhatothersinyourindustryandincomparablepositionsarerakinginbylookingatonlineresourcesthroughtheBureauofLaborStatisticsorinbookslike"TheAmericanAlmanacofJobsandSalaries"byJohnW.WrightQuill. [F]Goingintoameetingwiththe"ifIdon’tgetitI’mleaving"attitudewillonlytellyourcompanyyouareuncompromisingandonlyoutfornumberone. 42
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.10
假设一个垄断厂商面临的需求曲线为P=10-3Q成本函数为TC=Q2+2Q1求利润极大时的产量价格和利润2如果政府企图对该垄断厂商采取限价措施迫使其达到完全竞争行业所能达到的产量水平则限价应为多少3如果政府打算对该垄断厂商征收一笔固定的调节税以便把该厂商所获得的超额利润都拿去试问这笔固定税的总额是多少
DespitethedoubtsanddespitecomplaintsfromshopownersLondon’scongestioncharge--introducedinFebruary2003--hasmanagedtoeasethegridlockinthecitycentre.Trafficisdownby18%jamsby30%.Thescheme’sbiggestweaknessisthatitiscrude:driverspay￡8$14toenterthezonebetween7amand6:30pmregardlessofhowcongestedtheroadsareorhowlongtheystay.Soroad-pricingfansarewatchingtrialsbyTransportforLondonTfLofanewdetectionsystemcalledtag-and-beaconwithinterest.UndersuchaschemeusedinSingaporeandonsomeEuropeanroadscarsarefittedwithelectronictagsthatarereadbyroadsidemasts.IfthetrialissuccessfulTfLsaysthatthecitycouldswitchtothesystemoncethecontracttorunthecongestionchargeisre-letin2009.Currentlycamerasareusedtoreadlicenseplatesandtrackmotorists.Theyarenotalwaysreliable:anindividualcameraidentifiesonlyaround70%ofcars.Mostdrivengetphotographedmorethanoncewhichbooststhesystem’seffectivenesstoover95%butthatstillleavesseveralthousandvehiclesperdaywhosedetailsmustbelaboriouslycheckedbyhand.Tag-and-beacontechnologyismuchmoreaccuratewithanidentificationrateofover99%.TfLsaysthetrialispartlydesignedtoseewhetherthenewsystemcouldallowdriverstopaychargesbydirectdebit.Thatwouldbepopularwithmotoristswhocomplainthatthecurrentpaymentsystemisunfriendly:thetollforaday’stravelmustbepaidmanually--onlinebyphoneorinashop--bymidnightwithsteepfinesleviedonforgetfuldrivers.Moreprecisedetectionalsoallowsformoreprecisioninpolicyandroad-pricingenthusiastsseeradicalpossibilitiesahead.TfLsaysitisconsideringusingthenewtechnologytochargedriverseachtimetheycrossthezoneboundaryuptoadailymaximuminsteadofpayingonceforanentireday’stravel.Thatwouldbecheaperfordriverswhomakefewtripsintothezonealthoughdriverswhospendalongtimetrundlingaroundwithoutleavingtherebycausingthemostcongestionwouldgetofflightlytoo.Furtherrefinementsmaybepossible.Thecurrentsystemhascuttrafficmostdrasticallyinthemiddleofthedaywhencongestionisatitslowest.Demandforroadspacewouldbettermatchsupplyifchargeswerevariable--highatthebusiesttimesofdayandlowinquietperiods.Suchatime-sensitivevariable-chargingschemeusingatag-and-beaconsystemwasendorsedlastyearbyBobKileytheTfL’sbosswhoalsosaidthathewantedtoextendthecongestionchargetootherpartsofLondon.ThatwouldbecontroversialandMr.Kiley’sunderlingswerequicktoinsistthathismusingswerenotofficialpolicy.ButtheoriginalschemewascontroversialtooyetKenLivingstoneLondon’smayoranditsbiggestbackerwasre-electedafterintroducingit.Itwouldbeashameiftimiditytookholdnow.Thenewdetectiontechnologyhasanidentificationrateof
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.14
阐述人民币汇率机制改革的主要内容请你分析一下当前人民币升值的利和弊
Readingtooneselfisamodernactivitywhichwasalmostunknowntothescholarsoftheclassical.In1worldduringthefifteenthcenturytheterm"reading"2meantreadingaloud.Onlyduringthenineteenthcenturydidsilentreadingbecomecommonplace.Oneshouldbewaryhoweverof3thatsilentreadingcameaboutsimplybecausereadingaloudisan4toothers.Examinationoffactorsrelatedtothe5developmentofsilentreadingrevealsthatitbecametheusualmodeofreadingformostadultreadingtasksmainlybecausethetasksthemselveschangedin6. Thelastcenturysawasteadygradualincreasein7andthusinthenumberofreaders.Asreadersincreasedthenumberofpotentiallisteners8andthustherewassome9intheneedtoreadaloud.Asreadingforthebenefitoflistenersgrewlesscommonsocametheflourishingofreadingasa10activityinsuchpublicplacesaslibrariesrailwaycarriagesandofficeswherereadingaloudwould11distractiontootherreaders. Towardstheendofthecenturytherewasstill12argumentoverwhetherbooksshouldbeusedforinformationortreated13andoverwhetherthereadingofmaterialsuchasnewspaperswasinsomeway14weakening.Indeedthisargumentstillremainswithusineducation.15itsvirtuestheoldsharedliteracyculturehadgoneandwas16bytheprintedmassmediaontheonehandandbybooksandperiodicalsfora17readershipontheother. Bytheendofthecenturystudentswerebeingrecommendedtoadoptattitudestobooksandtouseskillsinreadingthemwhichwereinappropriate18notimpossiblefortheoralreader.Thesocialculturalandtechnologicalchangesinthecenturyhadgreatly19whattheterm"reading"20. Readthefollowingtext.Choosethebestwordsforeachnumberedblankandmark[A][B][C]or[D]onANSWERSHEET1.2
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