16．關(guān)于信貸風(fēng)險理解正確的是

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

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

17．從風(fēng)險的性質(zhì)來劃分，信貸風(fēng)險分為

A．靜態(tài)風(fēng)險和動態(tài)風(fēng)險                                  B．直接風(fēng)險和間接風(fēng)險

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

18．因國家因素而使交易發(fā)生違約，從而給銀行貸款帶來損失的風(fēng)險是

A．操作風(fēng)險                                                   B．市場風(fēng)險

C．信用風(fēng)險                                                   D．國家風(fēng)險

19．分析借款人品德的實(shí)質(zhì)是評估借款人的

A．還款能力                                                   B．還款意愿

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

20．我國《擔(dān)保法》規(guī)定，質(zhì)押分為動產(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