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【多选题】
下列关于经风险调整的业绩评估方法的说法，正确的是（　）。
A.
在经风险调整的业绩评估方法中，目前被广泛接受和普遍使用的是经风险调整的资本收益率
B.
在业务层面上，RAROC可用于衡量一笔业务的风险与收益是否匹配，为商业银行是否开展该笔业务以及如何定价提供依据
C.
在资产组合层面上，商业银行在考量业务的风险和资产组合效应之后，可依据RAROC衡量资产组合的风险与收益是否匹配
D.
以监管资本配置为基础的经风险调整的业绩评估方法，克服了传统绩效考核中盈利目标未充分反映风险成本的缺陷
E.
使用经风险调整的业绩评估方法，有利于在银行内部建立正确的激励机制，从根本上改变银行忽视风险、盲目追求利润的经营方式
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