【正文】 的資產(chǎn)與負債經(jīng)營活動中的外匯收入與支出以及未來可能產(chǎn)生的以外幣技嘉的現(xiàn)金流的現(xiàn)值因匯率的變動而引發(fā)損失的可能性 金融脆弱性 指一種趨于高風(fēng)險的金融狀態(tài)，泛指融資領(lǐng)域的風(fēng)險積聚 金融風(fēng)險 是指在資金融通和貨幣資金經(jīng)營過程中，由于各種事先無法預(yù)料的不確定性因素帶來的影響，使資金經(jīng)營者的實際收益與預(yù)期收益發(fā)生一定的偏差，從而有蒙受損失或獲得額外收益的機會或可能性。s 10 mustsee animations】 The Chinese animation industry has seen considerable growth in the last several years. It went through a golden age in the late 1970s and 1980s when successively brilliant animation work was produced. Here are 10 mustsee classics from China39。s education. Proponents of the show claim that it is merely for entertainment. Effendi Effendi, meaning sir and teacher in Turkish, is the respectful name for people who own wisdom and knowledge. The hero39。s law. In order to pass this holy book to human beings, he would have to get by the antagonist fox. The whole animation is characterized by charming Chinese painting, including pavilions, ancient architecture, rippling streams and crowded markets, which fully demonstrate the unique beauty of China39。s trip to the West to take the Buddhistic sutra. They met a white bone evil, and the evil transformed human appearances three times to seduce the monk. Twice Monkey King recognized it and brought it down. The monk was unable to recognize the monster and expelled Sun Wukong. Xuan Zang was then captured by the monster. Fortunately Bajie, another apprentice of Xuan Zang, escaped and persuaded the Monkey King to e rescue the monk. Finally, Sun kills the evil and saves Xuan Zang. The outstanding animation has received a variety of awards, including the 6th Hundred Flowers Festival Award and the Chicago International Children39。s feud with Nezha over his son39。t want to steal food like other mice. Shuke became a pilot and Beita became a tank driver, and the pair met accidentally and became good friends. Then they befriended a boy named Pipilu. With the help of PiPilu, they cofounded an airline named Shuke Beita Airlines to help other animals. Although there are only 13 episodes in this series, the content is very pact and attractive. The animation shows the preciousness of friendship and how people should be brave when facing difficulties. Even adults recalling this animation today can still feel touched by some scenes. Secrets of the Heavenly Book Secrets of the Heavenly Book, (Chinese: 天書奇談 ) also referred to as Legend of the Sealed Book or Tales about the Heavenly Book, was released in 1983. The film was produced with rigorous dubbing and fluid bination of music and vivid animations. The story is based on the classic literature Ping Yao Zhuan, meaning The Suppression of the Demons by Feng Menglong. Yuangong, the deacon, opened the shrine and exposed the holy book to the human world. He carved the book39。s recall these colorful images that brought the country great joy. Calabash Brothers Calabash Brothers (Chinese: 葫蘆娃 ) is a Chinese animation TV series produced by Shanghai Animation Film Studio. In the 1980s the series was one of the most popular animations in China. It was released at a point when the Chinese animation industry was in a relatively downed state pared to the rest of the international munity. Still, the series was translated into 7 different languages. The episodes were produced with a vast amount of papercut animations. Black Cat Detective Black Cat Detective (Chinese: 黑貓警長 ) is a Chinese animation television series produced by the Shanghai Animation Film Studio. It is sometimes known as Mr. Black. The series was originally aired from 1984 to 1987. In June 2021, a rebroadcasting of the original series was announced. Critics bemoan the series39。現(xiàn)代意義：信用風(fēng)險是指由于借款人或市場交易對手違約而導(dǎo)致?lián)p失的可能性。 金 額 為 ：{N*(SA)*d/360}/{1+S*d/360}=1000000*{(%4%)*91/360}/{1+4%*91/360}= 美元 有 1年期滿時償付 1000美元面值的美國國庫券，若當(dāng)期買入價格為 900美元，計算該貼現(xiàn)發(fā)行債券的到期收益率是多少？ 1 年期貼現(xiàn)發(fā)行債券到期收益率 i=(該債券的面值 F該債券的當(dāng)期價格 Pd)/該債券的當(dāng)期價格 Pd i=（ 1000900）/900=% 七 名詞 操作風(fēng)險 ： 由于企業(yè)或金融機構(gòu)內(nèi)部控制不健全或失效、操作失誤等原因?qū)е碌娘L(fēng)險，包括信息風(fēng)險、報告系統(tǒng) 、內(nèi)部風(fēng)險監(jiān)控系統(tǒng)失靈等因素形成的風(fēng)險 道德風(fēng)險 是指達成契約后，也就是合同實施中，由于一方缺乏另一方的信息，這時擁有信息方就可能會利用信息優(yōu)勢，從事使自己利益最大化而損害另一方利益的行為 法律風(fēng)險 經(jīng)融機構(gòu)或其他經(jīng)濟主體在金融活動中銀沒有正確遵守法律條款，或因法律條款不完善、不嚴密而導(dǎo)致的風(fēng)險 非系統(tǒng)性金融風(fēng)險 由于內(nèi)部或外部的一些因素影響，是個體經(jīng)濟主體或金融機構(gòu)遭受損失或倒閉的情形 風(fēng)險 是發(fā)生某一經(jīng)濟損失的不確定性，一是強調(diào)風(fēng)險結(jié)果的不確定性，是指在一定環(huán)境條件下和一定時期內(nèi)發(fā) 生的各種結(jié)果的變動程度， 2 是強調(diào)風(fēng)險的不確定性帶來的損失后果，是指各種結(jié)果發(fā)生而導(dǎo)致行為主體遭受損失或損害的可能性。計算該商業(yè)銀行的基礎(chǔ)頭寸是多少？ 基礎(chǔ)頭寸 =庫存現(xiàn)金余額 +在中央銀行一般性存款余額 3730 萬元 =800 萬元 +2930 萬元 某銀行的利率敏感型資產(chǎn)為 3000 億元，利率敏感型 負債為 1500 億元。如下表所示，證券 C 的風(fēng)險高于證券 A，但其收益率卻小于證券 A，根據(jù)收益與風(fēng)險的匹配原則，無人愿意進行投資，因此不可能長期存在 。 簡 要介紹網(wǎng)絡(luò)銀行的風(fēng)險分類和風(fēng)險管理。 答：網(wǎng)絡(luò)金融主要包括：網(wǎng)絡(luò)銀行、網(wǎng)絡(luò)保險、網(wǎng)絡(luò)證券和網(wǎng)絡(luò)金融服務(wù)等。（ 2）建立公司總部，經(jīng)濟業(yè)務(wù)部和營業(yè)部的三級風(fēng)險控制體現(xiàn)，并對營業(yè)部的風(fēng)險程度進行分類監(jiān)控（ 3）利用現(xiàn)代化通信手段， 加大信息系統(tǒng)投入，通過衛(wèi)星系統(tǒng)和地面 DDN，實現(xiàn)地空兩條線，對營業(yè)部進行實時監(jiān)控（ 4）加強稽核審計的力度，確保營業(yè)部財務(wù)明晰，及時與總公司結(jié)算，完善各類突發(fā)事件的應(yīng)變措施（ 5）對要害崗位實行不定期檢查，采取主要負責(zé)人員輪崗制度，防止工作人員利用職務(wù)之便作案，給公司造成損失（ 6）及時調(diào)整經(jīng)紀(jì)業(yè)務(wù)的發(fā)展戰(zhàn)略，積極應(yīng)對技術(shù)環(huán)境的變換給經(jīng)紀(jì)業(yè)務(wù)帶來的挑戰(zhàn)。 答： ：（ 1）保護證券公司免受市場風(fēng)險，信用風(fēng)險，流動性風(fēng)險，操作風(fēng)險以及法律風(fēng)險的沖擊和損失；（ 2）保護整個金融行業(yè)免受系統(tǒng)性風(fēng)險的沖擊；（ 3）保護證劵公司的客戶免受大的非市場損失。 答 : “貸款風(fēng)險五級分類法”即按貸款風(fēng)險從小到大的順序，將貸款依次分為“正常，關(guān)注，次級，可疑，損失”五個級別，其后三個級別為不良貸款。 答：信用風(fēng)險會破壞流動性良性循環(huán)，防范于化解信用風(fēng)險，也是避免流動性風(fēng)險的要求。不符合此原則的收益率不可能長期存在。這是金融機構(gòu)管理市場風(fēng)險的主要方法。 3 健全中間業(yè)務(wù)風(fēng)險管理制度，如統(tǒng)計制度、信息披露制度等。 8 簡述商業(yè)銀行不良資產(chǎn)化解與處置的主要方式。 2：不足 相當(dāng)期貨，期權(quán)而言，信用風(fēng)險要大一些 。 答：一般情況下，期貨利率和現(xiàn)貨利率的變動方向是一致的。 答：經(jīng)濟風(fēng)險的影響是長期的，交易風(fēng)險和折算風(fēng)險的影響是一次性的；經(jīng)濟風(fēng)險引起的是潛在的損失，而