16.根據(jù)客戶對(duì)信貸產(chǎn)品的主觀價(jià)值判斷來(lái)定價(jià)的策略稱為(      )

A.價(jià)值定價(jià)策略                                            B.成本定價(jià)策略

C.戰(zhàn)略定價(jià)策略                                            D.關(guān)系定價(jià)策略

17.將信貸風(fēng)險(xiǎn)劃分為系統(tǒng)性風(fēng)險(xiǎn)和非系統(tǒng)性風(fēng)險(xiǎn)的依據(jù)是(      )

A.風(fēng)險(xiǎn)的性質(zhì)                                                B.風(fēng)險(xiǎn)的產(chǎn)生原因

C.風(fēng)險(xiǎn)的作用強(qiáng)度                                         D.風(fēng)險(xiǎn)是否可以被抵消或分散

18.因金融市場(chǎng)價(jià)格波動(dòng)而對(duì)銀行收益造成潛在損失的風(fēng)險(xiǎn)是(      )

A.信用風(fēng)險(xiǎn)                                                   B.市場(chǎng)風(fēng)險(xiǎn)

C.操作風(fēng)險(xiǎn)                                                   D.流動(dòng)性風(fēng)險(xiǎn)

19.銀行信貸風(fēng)險(xiǎn)管理的初始程序是(      )

A.風(fēng)險(xiǎn)的識(shí)別                                                B.風(fēng)險(xiǎn)的規(guī)避

C.風(fēng)險(xiǎn)的量化                                                D.風(fēng)險(xiǎn)的處理

20.借款人能夠履行合同，沒(méi)有足夠理由懷疑貸款本息不能按時(shí)足額償還，這類貸款是(      )

A.關(guān)注類貸款                                                B.正常類貸款

C.可疑類貸款                                                D.次級(jí)類貸款