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【单选题】
关于操作风险，下列说法错误的是（）。A.
操作风险是一种发生在实务操作中的、内部形成的系统性风险
B.
人员因素引起的操作风险包括操作失误、违法行为（员工内部欺诈或内外勾结）等情况
C.
商业银行应当建立健全信用卡业务操作风险的防控制度和应急预案，有效防范操作风险
D.
借款人恶意欺诈、骗贷和贷款后恶意转移资产的逃废债等现象，是个人汽车贷款操作风险的重要表现形式
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【简答题】What are the reasons for the students language deficit according to the author?
【简答题】language deficit
【单选题】Who should be blamed for the language deficit?
A.
Students
B.
Student's family and friends
C.
Schools.
D.
Grocery stores.
【多选题】What are the reasons for students' language deficit?
A.
Students are not stupid. However, they mistakenly learn whatever they see and hear in their language environment.
B.
Schools fail to establish high standards of English language abilities.
C.
Schools are unable to sufficiently teach the basic concepts of language-grammar and vocabulary.
D.
Young teachers know little about these important structures of language since they also didn't have the chance to deal with them in their prior learning experience.
【多选题】Who should be blamed for students’ language deficit?
A.
Schools.
B.
Environment.
C.
Teachers.
D.
Students themselves.
【简答题】非对称式加密算法,也叫 加密算法,需要两个密钥: 和 。
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