16．關(guān)于信貸風(fēng)險(xiǎn)理解正確的是

A．必然轉(zhuǎn)化為損失                                         B．等同于風(fēng)險(xiǎn)貸款

C．完全不可控                                                D．具有可控性

17．從風(fēng)險(xiǎn)的性質(zhì)來(lái)劃分，信貸風(fēng)險(xiǎn)分為

A．靜態(tài)風(fēng)險(xiǎn)和動(dòng)態(tài)風(fēng)險(xiǎn)                                  B．直接風(fēng)險(xiǎn)和間接風(fēng)險(xiǎn)

C．高度風(fēng)險(xiǎn)和低度風(fēng)險(xiǎn)                                  D．系統(tǒng)性風(fēng)險(xiǎn)和非系統(tǒng)性風(fēng)險(xiǎn)

18．因國(guó)家因素而使交易發(fā)生違約，從而給銀行貸款帶來(lái)?yè)p失的風(fēng)險(xiǎn)是

A．操作風(fēng)險(xiǎn)                                                   B．市場(chǎng)風(fēng)險(xiǎn)

C．信用風(fēng)險(xiǎn)                                                   D．國(guó)家風(fēng)險(xiǎn)

19．分析借款人品德的實(shí)質(zhì)是評(píng)估借款人的

A．還款能力                                                   B．還款意愿

C．資產(chǎn)實(shí)力                                                   D．經(jīng)營(yíng)能力

20．我國(guó)《擔(dān)保法》規(guī)定，質(zhì)押分為動(dòng)產(chǎn)質(zhì)押和

A．債券質(zhì)押                                                   B．存單質(zhì)押

C．權(quán)利質(zhì)押                                                   D．股票質(zhì)押