[填空题]Reputation risk is particularly damaging for banks since the nature of their business requires maintaining the confidence of depositors, creditors, and the general marketplace.

[简答题]How do banks manage their risk of bad loan

[单项选择]A major type of risk that banks face is credit risk or the failure of a counter-party to perform according to a contractual arrangement. This risk applies not only to loans but also to other on-and-off balance sheet exposures such as guarantees, acceptances and securities investments. Serious banking problems have arisen from the failure of banks to recognize impaired assets, to create reserves for writing off these assets, and to suspend recognition of interest income when appropriate.
"Balance Sheet" means the statement on which a bank’s assets and liabilities are listed.
A. Right
B. Wrong
C. Doesn’t say

[判断题]Nominated banks refer to the banks which are authorized to use the L/C．If the credit stipulates to be provided to any banks，then any banks are nominated banks．( )

[简答题]credit risk

[单项选择]If I（　） Mary’s reputation, I defend her reputation.
A. speak up for
B. speak ill of
C. speak well of
D. speak well for

[填空题]Global warming endangers animals by damaging or destroying their habitats.

[单项选择]

Humans have been damaging the environment ever since we realized our powers to harness nature. Global warming and air pollution are now frequent headlines on TV and in the newspapers all over the world which keep reminding us of our obligation to protect the environment. However, few actions are actually being taken at the individual level and I think there are two major reasons why people are being so indifferent.
The first reason is that many people consider the environmental problem as a future concern. Environmental reports often warn us of the dire consequences of climate change or energy crisis 100 or 200 years later. As a result, many people feel that money and time is better spent on solving more immediate problems such as housing shortage and traffic congestion than on preventing a disaster that is only predicted to happen in the future. Also, people feel that the environmental problems are too complex for individual people to cope with. Indeed, a combination of
A. the damaged environment
B. the causes of environmental problems
C. global warming and air pollution
D. encouraging people to protect the environment

[填空题]Rumors are everywhere spreading fear，damaging reputations， __________________(把平静的环境搅得鸡犬不宁)．