2023年银行业法律法规与综合能力考试真题（附带答案）

《2023年银行业法律法规与综合能力考试真题（附带答案）》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

2023
ᔠὃ⌱⚪▬ᫀ1.ᑡᐵCreditMetricsḄ!"#$%Ḅ&□A.CreditMetrics()*+,-.᧕ឋ123ᔠVaRḄ4⚪B.CreditMetrics&567▭9:ᵨ<=>?Ḅ@ᵨA◅3ᔠCDC.CreditMetricsḄ5Ḅ&+,ᓫD12ᙠᢝᨵI▲ᑁLMNḄᨬᜧQᜫD.CreditMetricsST9&DUVaRூᫀ௃XCூ(᪆௃XC⚗"CreditMetricsḄ5Ḅ&[*+,\ᙠD]Ḅ^@_`"DU@ᵨ123ᔠᙠᢝᨵI▲ᑁLMNḄᨬᜧQᜫ஺2.ᢥ᯿A◅ᩭeḄ#f"ᑭ᳛A◅Liᑖ[஺A.kl]mA◅

1B.nἠA◅C.pqA◅D.ᦈs᳛tuA◅E.vwឋA◅ூᫀ௃XA|C|Dூ(᪆௃Xᑭ᳛A◅&ᢣyzᑭ᳛{wḄ#%]ឋ|ᖪ
⌼ᡂQᜫḄLឋ஺ᑭ᳛A◅ᢥ᯿ᩭe#f"ᑖ[kl]mA◅ஹᦈs᳛tuA◅ஹpqA◅IᩗឋA◅஺3.ᑡᐵᓻᳮᑜḄ!"$%Ḅ&oA.ᑴ]ᓻᳮᑜ&ᓻᳮᑜḄ⌕ᑁCDB.ᓻᳮ:ᵨ“ᡈᔲ”ḄᢙᡊᶍC.ᓻᳮ◤⌕ᢈஹiᐰ☢¢£Ḅᓻᳮᑜ"i¤[ᖪ
ᙠᓻ¥¦§ᐰ¨©ª«ª¬wᢣᓭD.ᓻL®¯#°MN"ᡠiᓻᳮᑜ²ᨵ|ᖪ
³⌼▬´mµ

2ூᫀ௃Xcூ(᪆௃XA⚗"ᑴ]ᓻᳮᑜ&A◅ᳮḄᐹ¹ºCD»B⚗"½¾9"ᖪ
Ḅᓻᳮ⌕ᵨ“ᡈᔲ”Ḅᢙᡊᶍ¿ᔂÁÂ"ÃÄÄÅ£ÆÇÈḄᢙw"᝞ÊÆ´ᐹᨵËÌឋḄᓻᜐᳮÎ&“ᓄÐ[Ñ”»D⚗"ÓÔᓻÕÖMN"ᖪ
ᙠ×¾ᑴ]ᓻᳮᑜÖ"ØÙÚᙠA◅ÛÜÝÖMÞßàᑮᨵᦔᜐᳮ"ãä"ᓻᳮᑜå|ᖪ
³⌼æLçḄ▬´mµ஺4.ᖪ
ᔣêëᡝª¬Dí3IḄïð1000óᐗ"õëᡝᙠö1Ḅ÷ø᳛&0.8%,ö2Ḅ÷ø᳛&1.4%,ö3Ḅ÷ø᳛&2.1%஺ýᑮIþ"ïð°ᐰÿ
Ḅᦈ᳛oA.95.757%B.96.026%C.98.562%D.92.547%

3ூᫀ௃Aூ᪆௃᪷!"#᳛$%&'(ᡝ*+ᙠ3.ᑮ01234ᐰ6
Ḅᭆ᳛(1-0.8%)X(1-1.4%)X(1-2.1%)=95.757%஺5.?ᑡᐵBC◅EFGᢣ᪗ḄJK&LMḄᨵ()oA.⊝PᖪRSTC◅UᓄḄWXB.ᒹZL[\]EF᳛^_`\]EF᳛C.aB☟᝱ᢣ᪗D.⊤efghPij0ᑮ30UᓄḄk᳛E.mC◅no᪶qᢣ᪗Ḅr⌕Gtuvூᫀ௃A|B|D|Eூ᪆௃C◅EFGᢣ᪗mC◅no᪶qᢣ᪗Ḅr⌕Gtuv&ᵨᩭ⊝PᖪRSTC◅UᓄḄWX&⊤efghPij0ᑮ30UᓄḄk᳛&aBz᝱ᢣ᪗&ᒹZL[\]EF᳛^_`\]EF᳛஺

46.ᖪRSTC◅oᳮḄr⌕|ᶍ~&ឋC◅Ḅᨵ஺A.C◅B.ᢗfᔠC.C◅ᑖᦣD.C◅E.C◅⊡ூᫀ௃A|D|Eூ᪆௃BC⚗&C◅ᑖᦣmᢣ᪵ᓄᢗfᑖᦣC◅Ḅ|ᶍឋ⌱஺ឋC◅m᜜6ᩩḄUᓄ&᝞¡¢£¤^¥¦Ḅ§zஹ¡¢©|ḄªᯠUᓄ¬®fg¯°±ᩭḄUᓄ஺²³ឋC◅mv⚗fgᱯᨵḄC◅&µ¶C◅_·fgᔠ~ᐸ¹fg¯°ḄUz²º»ᔣº½XUz஺ᐙᑖ᪵ᓄḄfgᔠ¿◀ᔠ~_ºfgḄ³ឋC◅&Á_*¿◀ឋC◅஺7.Âj&vÃSTḄᩨᩚ᳛Æ▭᪗ÈᨬᨬÊ஺()

5A.2%Ë2.75%B.3%Ë4.75%C.3%Ë4%D.2%3.75%ூᫀ௃Bூ᪆௃ÌÍÎÏᕒÑB2017.ÒÓḄÔÌÍÎHIᨬÕ»ᫀÖ&×ᐰᳫÙ⌕ឋSTÚÛÜÝÊḄᩨᩚ᳛⌕Þ஺Âj&ÌÍÎÏᕒÑ2ᐰᳫÙ⌕ឋSTᑖ5ßt&f3▬á⌕Þᑖt1%ஹ1.5%ஹ2%ஹ2.5%ஹ3.5%,vÃSTḄᩨᩚ᳛Æ▭᪗Èᨬ3%,ᨬÊ4.75%஺8.âᖪRSTvã\]äå500æᐗ&⚜0ᦈäå350æᐗ&ᦈᡂ350æᐗ஺ᑣ'ã\]Ḅëìíᜫ᳛஺A.40%B.60%C.70%D.80%

6ூᫀ௃Aூ᪆௃'ã\]Ḅëìíᜫ᳛=1v(350-50)æ00=40%஺9.?ᑡᐵBᡊᶍC◅oᳮḄJK&LMḄm()஺A.¡¢f3ðñmᡊᶍC◅oᳮḄÙ⌕òᐹuvB.C◅oᳮ6ôõöᑴøᖪRSTᨬÊùtḄᡊᶍᑜC.ᖪRSTû◤⌕×ᜫýḄᡊᶍᑜþTÿ
ᔾᦟD.ᡊᶍ◅ஹᵨஹஹឋ◅ᓫᙠூᫀ௃Aூ᪆௃ᡊᶍ◅Ḅ#$%⌕'ᐹ)*+,-./
ᑭᵨ*+,-./
12ᨵᦔ5ᑴ7$89⚞;ᡠ=>Ḅ◅?@஺B⚗
ℏDEFGHIᳮKLMᑴNᖪ8PQᨬGHSḄᡊᶍ?ᑜ
UVᐸXᖪ8PQYᩭ[\ḄQᢣᓭ_C⚗
`aᡂcdᔲ
ᖪ8PQfghiᡊᶍ?ᑜ

7FklmᫀḄ᡻QᦔopQqᐭᑖ᪆ஹtuvwஹxyzU{|ᔾᦟ_D⚗
d}~◅
ᡊᶍ◅ᖪ8PQ⃩ḄᡠᨵK☢F⁚
Ud◅ஹᵨ◅ஹ◅Fឋ◅ᙠ#஺10.1000ᐗḄᙠᡂ
*⃩,Fk▭89ᙳᙠ
⌕ᩞᧇᩭ£¤¥¦
§⌕├©ª஺«89¬◅®ᨬ¯ᡠ°X±²஺A.B.C.ªD.¤¥¦ூᫀ௃Aூ᪆௃®ᡠᙠ³±ᙢµ²
i¶$
#·)ᢣ®ᡂḄ³஺¸h¹º◅®)»¼½¾ᡈᱯÁÂḄ½¾±SPV,Ã᝞ᙠஹÅÆÇÈÉÊ|ËᡈᐸÌÉÊ|ËḄtᡝ
ᑣᐸᡠᙠᙢX{Dk▭*⃩ÏḄᙢµᡈᐸIᳮÐ᪀Ḅᡠᙠᙢ஺

81LÒÓ☄ÕÖÕ×()ÚÛᔣÝE½ÞÓ☄½¾ßd½¾ᐵḄÒ஺A.áâãäåB.æ½çåC.NèéçD.ê9é⊤E.ìíéçூᫀ௃A|B|C|Eூ᪆௃ÒÓ☄ÕÖ)ᢣ½Þ½¾2áâãäåஹæ½çå
2ßNèéçFìíéçÚÛ
î½¾ßd½¾ᐵḄÒ
ᔣᢗ,ὅFÝE½ÞpQÓ☄ḄQX஺12.ñᑡi◅ᑁô@õö,-÷ø½ÛK=Max(VaRt-1,meXVaRavg)+Max(sVaRt—1,msXsVaRavg)Ḅ⊤ùúûḄᨵ()஺A.sVaRt-1X᪷ýᑁô@õ÷øḄæ#᧕ÿḄ
◅B.VaRt-1᪷ᑁḄ◅

9C.ᨬ◅⌕ᨬ60᧕
◅Ḅᙳ(sVaRavg)"#ms,ms$%3D.ᨬ◅⌕&'◅(
◅)*E.ᨬ◅⌕ᨬ60᧕◅Ḅᙳ"#me,meᨬ+3ூ-ᫀ௃0A|Dூ1᪆௃0B⚗4VaRt-l᪷ᑁḄ5&᧕Ḅ◅஺C⚗,
◅(sVaR)#89⚗:Ḅ;ᜧ0জ᪷ᑁḄ5&᧕Ḅ
◅(sVaRt-1)>ঝᨬ60᧕
◅Ḅᙳ(sVaRavg)"#ms,msᨬ+3஺E⚗4&'◅(VaR)#89⚗:Ḅ;ᜧ0জ᪷ᑁḄ5&᧕Ḅ◅(VaRt—1)>ঝᨬ60᧕◅Ḅᙳ(VaRavg)"#me,meᨬ+3஺13.AB◅CDEFᵨ◅ஹ◅ஹIJ◅K◅()஺A.MN᣸PஹNQᐳSB.MNTUஹNQVW

10C.XSᙠஹNMJᵨD.Zᨵᐵ]ூ-ᫀ௃0Cூ1᪆௃0AB◅^_`abᖪdefg⃩Ḅijk⁚4CDEFᵨ◅ஹ◅ஹIJ◅ஹmnឋ◅K◅XSᙠஹMNJᵨ஺pq4AB◅rsḄ᪶uvwxrsyᜧz◅:^_{|ᖪdefABḄ◅p}஺14.ᵫbᡝᑁḄᐵὶᐵ];ᩖ4pqᙠᐸᣴFoA.ᑖsᑴ%᪗4ᑴB.ᐙᑖF4ᣴFC.¡ᵨ¢£4¤¥¦ᵨ§¨D.©&rs᪗4ªᑴE.«¬efᱫᜮ4¯°F±d²

11ூ
ᫀ௃:B|D|Eூ᪆௃0ᡝᑁḄᐵὶᐵ];ᩖ4ᙠᐸ³fᣴF▲µ¶ᳮ¸¹ºᑮ#8¼¹0জ©&rs᪗4ªᑴ>ঝᐙᑖF,ᣴF>ঞ«¬efᱫᜮ4¯°F±d²஺15.¾£ᙠᖪdefFᵨ◅ᑁ¿ÀÁ:ᐹᨵ᩽ᐸ¸⌕ḄJᵨ4poA.¾£^#C©ÄÅƾQÇKÀÈÉ⚣᳛ḄxឋB.¾£^#ᑖ᪆ᑁ¿ÀᡝÈÉ◅ḄÌᑖ_4Í┐Ï⚪ÑÒᦋ³C.¾£vÔ¶ÕÖ⊝efᑁ¿ÀᨵᦔឋḄ¸⌕ÄÅD.¾£^#¿Ùef`ÚᔠḄ◅ᱯÝ*ᡠ☢àḄk᛻E.¾£vefâᓄᑁ¿ÀḄ¸⌕ÄÅூ
ᫀ௃0C|Eூ1᪆௃0

12¾£vefâᓄᑁ¿À]Ḅ¸⌕ÄÅ4ävÔ¶ÕÖ⊝efᑁ¿À]vᔲæᔠÔ¶⌕Ḅ¸⌕çè4¾£v&ᢝêḄë4ᒹíᑁ¿À]*◅îᦪᓄ³fÆð*ÔṓḄ&]ᑡón4#Ñô¿À]Ḅ^FEõᏉឋ஺16.ᵨ÷ø÷᜜úªµEÕûÒüᦈᐭ)⊝&ÿ
ḄឋḄ▲஺A.60%B.80%C.100%D.120%ூᫀ௃Cூ᪆௃᜜!"#ᦈᐭ&'()ᵨᩭ⊝-.
ḄឋḄ▲100%஺/012▲345.Ḅ
ឋ6789◅;᪷@ABCDEF7GHIJKLM᳛஺

13A.PQRSB,TᑖVC.ℳᱯᓱZ=[D.ᔊ]^ᜫᦪ@ᙳbc6deூᫀ௃Cூ᪆௃CreditPortfolioView=>()fghCreditMetrics=>Ḅ2⊡ᐙ75=>kᯠᙠLM᳛JKnopᵨᔊ]ᦪ@8h᪷@ABCDEF7GHIℳᱯᓱZ=[JK"ᩭqr0stuLMḄvwᭆ᳛ᑣz◤⌕᪷@ᔊ]ᦪ@ᩭJK}oI~1t0ᔊ]ᦪ@Ḅvwᭆ᳛᦮8஺18.ᑡᖪ☢Ḅ9◅oᵨ9◅rᶍᳮḄh஺A.᳛9◅B.9◅C.ᖪ9◅

14D.ᑭ᳛9◅ூᫀ௃Bூ᪆௃9◅rrᳮ9◅ᑭ᳛9◅ஹ᳛9◅ஹἠ9◅¢ᖪ9◅u£ᨵᦔ()ᑖ¦ᡃr¢r¨©ª«஺19.¬T9◅®¯hᢣᖪᙠ¬TẆ²¢ᢗTI´µᔠT·Ḅ¢9◅¸r¹ᙠ9◅º⚗ᡈ7Gᐰ☢ᑖ᪆¢®¯¾¿À"9◅Á7ḄI´஺A.9◅ºÂB.9◅ᱯ¸C.ᱯ¸D.9◅Ã>ூᫀ௃Dூ᪆௃

15¬T9◅ᳮ´ᒹŬT9◅®¯ஹ¬T9◅ÆÇஹ¬T9◅Èᑴ஺ᐸ¬T9◅®¯hᢣᖪᙠ¬TẆ²¢ᢗTI´µᔠT·Ḅ9◅Ã>¢9◅¸r¹ᙠ9◅º⚗ᡈ7Gᐰ☢ᑖ᪆¢®¯¾¿À"9◅Á7ḄI´஺20.ᑡᐵ0ᖪPQRSḄÌÍ┯ÏḄh஺A.HIᔠᳮḄ´¢cÐÑᔠÒ᧜ᔜ2ᩩ·ஹ⚞×ØÙÚÛB.PQRSᵨÜ-¢ÜឋݵᔠḄcÞßàC.á-)ÜឋcÐᩭâÜPQRSªãḄÝᐵäᦪD.PQRSoåᒹÅæJªãஹᑖ᪆µçzᒹÅè"ᦋêëூᫀ௃Cூ᪆௃C⚗PQRSᵨÜ-¢ÜឋݵᔠḄcÞßà஺á-)Ü-cÐᩭâÜPQªãäᦪஹ9◅7ìÝᐵឋ)íᐹïðñI´¾òᵨÜឋcÐ⊡ᐙHIᔠᳮḄ´¢cÐÑᔠÒ᧜ᔜ2ᩩ·ஹ⚞×ØÙÚÛ஺

1621.()hᢣHIôõᓄḄcвAᖪᡠ☢Ḅ9◅©Ã¢ឋø஺A.®¯9◅B.ᑴ9◅ùᓫC.ûü9◅D.ᑖ᪆9◅ூᫀ௃Cூ᪆௃9◅®¯ᒹÅûü9◅¢ᑖ᪆9◅¨2ý⁚জ
◅ᓄḄᖪᡠ☢Ḅ◅ឋঝᑖ᪆◅ᐭᳮ"ᔜ◅Ḅᡂ%&'ᓄ()஺22.,ᑡᐵ/CreditRisk+01Ḅ2,456Ḅ()஺A.Ꮇ:;<=>?ᨵAB4ABCD᝱B.FᔠḄHᜫᑖJᓽLMᑮOPQRSTUV5᝱ᑖJC.WX4Y1Ḅ=>YZABḄᭆ᳛]^Ḅ_`abcḄD.᪷ef◅Ḅg◅hijᳮkᎷl=>FᔠmnopᑖJkq=>F

17ᔠAB᳛sᑖ᪆ூuᫀ௃xBூ"᪆௃xCreditRisk+01᪷e┐qf◅Ḅg◅hijᳮkq=>FᔠAB᳛sᑖ᪆kzᎷlᙠFᔠ|k;<=>?ᨵAB4ABCD᝱஺=>Fᔠ|4Y1Ḅ=>YZABḄᭆ᳛]^Ḅ_`abck%}=>FᔠḄAB᳛mnopᑖJ஺FᔠḄHᜫᑖJ~Fᔠ|=><ᦪḄ/5᝱ᑖJ஺ᙠi|k01Ꮇl;FḄᙳAB᳛:4'Ḅk▭kᙳAB᳛~MOPQRD%ST'ᓄkᙠ,k=>FᔠḄHᜫᑖJ~Ḅ“”஺23.✏¡¢£(:Ḅ:¤¥¦§¨᳛X©ª஺A.10%B.15%C.25%D.40%

18ூ
ᫀ௃xc12.✏¡¬¢ᳮ£®ᖪ¯°¤¥¦§©±ᙠ7ᜩᑁ'Ḅ¤¥¦§ª¨᳛´ᢝᙠ©ª¶஺A.15%B.20%C.25%D.30%ூuᫀ௃xAூ"᪆௃x✏¡¬¢ᳮ£(:Ḅ:¤¥¦§¨᳛X25%஺◀}¸᜜k✏¡¬¢ᳮ£®ᖪ¯°¤¥¦§©±ᙠ7ᜩᑁ'Ḅ¤¥¦§ª¨᳛´ᢝᙠ15%¶kzºᢝ7»ᑁḄ¼┯¾¡¿4ÀÁ¼ÂḄ10%,1ÃᨴᑁḄ¼┯¾¡¿4ÀÁ¼ÂḄ20%o24.Å◅ᑖᦣ¸ÇÈᨵÉᜧḄ◅ËᙠZkᖪ±Lᵨ©ª¯◅ÍÎÏ஺

19A.Ð◅ᜮÒB,ÓÔº◅C.aᣚD.ÖᩗE.ØZÙiூuᫀ௃xA|B|C|Dூ"᪆௃x◅ÍÚᢣÓÔÜ¡¬§ÝᡈßàᐸâᔠḄQRãä¯◅ÍÚåᐸâQRæçḄèᶍឋ⌱ë஺¯ìíḄ◅î☄ÍÚåðñkᒹóÐ◅ᜮÒஹÓÔº◅ᡈὅsö◅÷᧕©᝞aᣚஹÖᩗª஺25.ᙠᖪ◅¢ᳮ“ñ⍝■ü”|ký/ðþ⍝■üḄ©ª஺A.◅¢ᳮÿB.
᪶C.D.ᔠ

20E.ᑁூ
ᫀ௃A|Dூ᪆௃◅ᳮᔠ⍝◅■஺ᐸ!◅ᳮ"#
ṓ%&'(◅Ḅ*+஺ᔠ"#,-
./01234ஹ6ᳮᑣஹ
,ஹ08:;Ḅ᡻0=>஺C⚗@2A⍝■BBEC⚗@2D⍝■஺26.Fᑡ@2ᐸHIJKLMNḄᨵPQ஺A.IJRSTUMNB.IJVWᢥYMNC.IJZ⃩MND.\ᵨᓱTUMNE._`MNூ
ᫀ௃:A|C|D|E

21ூb᪆௃cd!ᡃfIJ\Mghijkᑜᑖ8IJVWᢥYMNᐸHIJKLMNCᜧo஺ᐸHIJKLMNᒹqIJTUMNPrIJRSTUMNQஹIJZ⃩MNஹ\ᵨᓱTUMNஹ_`MNstuvw஺27.ᖪ/0ᙠz{ᑖ᪆MN◅|!}~ឋ◅ᒹqPoA.0◅B.ᳮ◅C.◅D.gh├L◅E.Zூᫀ௃A|C|Eூb᪆௃ᖪ/0ᙠz{ᑖ᪆MN◅|!}~ឋ◅⌕ᒹqZஹ0◅◅஺28.᪷ᖪ/06ᳮᑣ!ᖪ/0Ḅᡊᶍc᪗ᵫPQ᪶ᢇ஺

22A.ℏB,ᳮC.
D.ᜧூᫀ௃Aூb᪆௃¡ᕒ£¤Ḅ¥᱐§/06ᳮᑣ¨©ªℏ1/0"ᨵ᦮¬#!ᒹqᢇ®
ṓᳮ¯°/0Ḅᡊᶍc᪗ஹ6ᳮ᪾²ᦻᓄ஺29.µᡝ·¸¹ᖪ/0Ḅ᪶º»g!¼ᙠ½ᩭ½tḄᖪ/0¿ghẆ£ஹÁᩭ£Âᑜᔣµᡝ/ÅÆÇ!È©1µᡝ/ÅḄÉÊË஺Ì1ÍÎ◅ᳮᨵÏÐÑÒÓPQA.Ôᖪ/0ḄÍÎB.ÈÕµᡝ1/0ÍÎ◅ᳮḄÖ⚜ØËC.ÈÕµᡝ1ᖪ/0ÍÎ◅ᳮḄÙbØËD.ÚÛÜݵᡝḄÑÞ!Ôß⚜Ç■àghiáâ£ḄÍÎ◅

23ூ
ᫀ௃Dூ᪆௃µᡝä·¸¹ᖪ/0Ḅ᪶º»g!åæççghᡈéḄ·+êëὅ஺í~î!ᖪ/0ïðñ8òóᐵ}å¿õt\ö÷åæø!᝞ú½ᩭ½tḄᖪ/0¿ghẆ£ஹÁᩭ£Âᑜᔣµᡝ/ÅÆÇ!®ÚÛÜÝÑÞ!ûÔß⚜Ç■àgh/éiáâ£ḄÍÎ◅஺30.Fᑡᐵ2◅ᳮ\öí⌴Ḅý3!æþÿḄ
஺A.ᐜḄ◅ᳮᵨᘤᘤ᪀B.◅ᑖ᪆ᕒᙠ#$%〈'᜜)*+⌕᪶.◅#$/.012C.◅ᳮ34ᙠᨬ6Ḅ789ᡠᨵ<0Ḅ=⌴'ᖪ@AᡠᨵᕒD.◅BCᕒᙠ%D7⌕0E〉4ḄᕒGᑮIJᡠ34KᑮḄ◅

24ூ
ᫀ௃Lcூ᪆௃LC⚗PQᦔḄ◅ᳮST34UV0E<0Ḅ◅Pᙠ<0Ḅ78=⌴'<0Ḅ஺3LᎷXᖪ@A4Y9100Z[ᡝḄᵨ]^_BBP`aYbcde[ᡝP%fᨵ3Z[ᡝghPᑣ3%
஺A.gh⚣᳛B.lmno᳛C.ghpᜫ᳛D.ghᭆ᳛ூ
ᫀ௃LAூ᪆௃Lghᭆ᳛
ᢣuoᙠvᩭx7yᑁ%{ghḄ|UឋPgh⚣᳛
ᢣ~ᡠḄgh᳛஺ghᭆ᳛
ᑖ᪆Ḅ+⚜CPgh⚣᳛
Ḅ/஺⚪Ḅ3%
`Y⌱xḄ100Z[ᡝ

25AbCGᑮḄPᓽ_Ḅ/Pgh⚣᳛஺32.ᑡᖪ@Aᔠ◅☄Ḅ
஺A.ᓫl¡¢100£ᣴḄZᵨᓱB.¦@A%§50£Py▲1YḄ©ªnoC.«¬®¯°%§Ḅ30£ᵨᓱ±⚗ᑖy²oD.¦ª«³´_®¯Pᵭ¶Ḅ200£y▲YḄᣴூ¸ᫀ௃LAூ¹᪆௃Lᔠ◅☄
ᢣᔜ»1¼EḄZnoPᔠ◅☄ᓫ[ᡝᨬᜧn¾¿l¡¢100£ᐗÁÂ஺33.ᖪ@A3Ã◅^Ä¢TÅÆḄ0xÇÈ◤Ê஺A.4+◅ËÌB.4+◅ÍÎC.vᩭÏᑜD.vᩭÑᑭÓE.%Ôᡊᶍ

26ூ¸ᫀ௃:A|C|Eூ¹᪆௃L᪷Ø◅^Ä/Pᖪ@A34ᙠÇÈᐙÚឋ^ÄTÛ^ÄÇÈᐙÚÍÎPᓽAÇÈ^Ä஺ᖪ@A3Ã◅^Ä¢TÅÆḄ4+◅ËÌஹvᩭÏᑜ%Ôᡊᶍ0xÇÈ◤Ê஺34.ᖪ@Aᙠeᔠ◅▲¿ᳮ0xÇÈᑖÝḄᩗß7Pl◤ὃ⇋Ḅâã
oA.eᔠḄ◅ᩗßB.eᔠᙠᡊᶍä☢æḄß⌕ឋC.çè+éêbçèËÌ⚜CD.4+eᔠëìíÌூ¸ᫀ௃LAூ¹᪆௃L

27ᙠ0xÇÈᑖÝḄᩗß7P◤ὃ⇋ḄâãᒹïLজᙠᡊᶍä☢æḄß⌕ឋñঝçè+éêbçèËÌ⚜Cñঞ4+eᔠëìíÌñটõÇ´ᦈ÷᳛ROEo35.~øùúᐹḄᑮyüᡈþÿ
ḄᙠᑮḄᜧᑣḄ஺A.B.!C."D.#$ᑨ&ூ(ᫀ௃+Cூ,᪆௃+./0123ᐹḄᑮᡈ67.8
Ḅ9ᙠᑮḄ:ᑣḄ!⊤<ᑭ᳛?@ABCḄDEFGHᜧḄIJKLᑣML஺36.〉QRST⚜Vᓽ@QGX?ឋZ◅Ḅ⚜\]^ᨵ`aᖪcBCdefghi"X?ឋZ◅஺7ᑡSklmnᖪcBCX?ឋZ◅⚜\]^Ḅᨵo

28A.BCQCḄoἠqrs7tB,uvwxyz{2|Ḅ}᧕ᦪC.BCQCḄSXᑶᒹ8Ḅ}᧕℉ᓬᑭ᡽ᜧD.BC7E.|Fូᓄூ(ᫀ௃+A|B|C|D|Eூ,᪆௃+BC᝞ᢝឋ⚜\ᢣ᪗ᙠ⚜\]^FG᩽¡¢X?ឋ£ᜓᑣ¥᧕ᡂm§QX?ឋᓻ©Ḅª⌕¬஺X?ឋZ◅⚜\]^ᒹ+জBCᦈᐭ7iKঝ|Fូᓄ᝞²|FḄKঞBC7Kট#µ◅Ḅ¶·ஹᢇQ2|ᡈ|FºᑶᓄḄᑭ᡽ᜧKঠoᜧ¼7tKড|F¾¿ញÁ᡽Âᡈᦈþ¿ញᒓᜧKঢ#$ÆÇuvÈ·஺37.ᙠÉÊZ◅|ËÌḄÍ$În@ᖪcBCḄᡠᨵcÐᑜᑖmÓÔcÐᩩÖ×.ÔcÐᩩÖ¾ØḄÉÊZ◅|Ë⌕ÙÚᦪᑖÛVÜÝḄ|ËᯠßàÓÔcÐᩩÖḄ|ËᓽSÇ

29ᑮᖪcBCàáÉÊZ◅Ḅ|Ë⌕Ù஺A.᪗â$B.!Ì$C.ãËᢣ᪗$D.ᑁå$ூ(ᫀ௃+Aூ,᪆௃+᪗â$æᔜcÐᩩÖḄàᦈᐭmÌãẠàᦈᐭnéêëḄᢣ᪗ì⊤cÐD⃩¾¿îïᜧðì⊤ñᔜcÐᩩÖḄÉÊZ◅ò☄஺cÐᩩÖᑖm9é᪗â$ÉÊZ◅|ËôaBCᔜᩩÖõöàᦈᐭḄ÷ᙳùw.éúûüᵨBi⊤Vþà஺38.7ᑡᐵ
◅ᳮᶍḄḄoA.
◅ᑖᦣᐰ◀ឋ
◅B.ᖪḄ
◅!ᑖ"#ᡃ%&'()*+C.
◅,-ᢣᖪ/0ᡈ⌨3456ᡈ&'7!-89:;6ᡈ&'ᐹᨵḄ
◅

30D.᪷?@᪵ᓄᢗDᑖᦣ
◅Eᳮ7ᖪḄFG6Hᐰ☢Ḅ7HJKL56ஹL5ឋNOPL5QRSTE.
◅,-ᶍḄU▲ឋᙠX5)᩽Ḅ
◅ᳮᶍ7Zᡂ"ᖪḄ\]
◅ᳮᶍூ_ᫀ௃bB|C|D|Eூc᪆௃bA⚗7ᵫghijḄ@)DklᡂḄᢗDlᔠ7n⌕lᔠKḄDkQᦪqr@7;ᢗDlᔠḄឋ
◅s!tuv)ᑖᦣᶍᐰ◀஺39.yᑡᨵ{ᦋᗐᖪ~
◅ᳮ+Ḅᒹ஺A.ᜐᳮᢗ%ᢇB.ᡠᨵ
◅5LஹJKᜐᳮC.ᡝஹḄD.ᢝ¡¢£E.ᑴ¥ᓻ§ᳮHញ©ᑜ

31ூ_ᫀ௃:A|C|D|Eூc᪆௃b~
◅ᳮḄᐹ«ᨵbজᓄ~
◅ᳮ®¯°ঝ²³9´°ঞᜐᳮᢗ%ᢇ°ট·¸¹ᜧ@ᦪᑭ¼ᢝᨵὅḄ¾¿ᖪḄÀÁᡊᶍg5ðঠᡝ/Ḅ;ডÈᖪḄÉÊËÌÍ%Î⃩Ð᪗ÒᔠÓᩭ°ঢᢝḄ¡¢£°ণᑴ¥ᓻ§ᳮ,ᑜ஺40.ᖪᨵᦔᳮ%Øᑴ
◅Ḅ(ᜧ᜜ÚÛoA.&'ÜÝB.&'ÞᐭC.Fàá☄ᑴD.ãÚäãṓæçE.
◅ᜐèéூ_ᫀ௃bA|Dூc᪆௃b

32ãÚäãṓæç&'ÜÝᐳL᪀ᡂᖪᨵᦔᳮ%Øᑴ
◅Ḅ᜜ÚÛ஺BE(⚗ìãḄ\⌕íî°C⚗ì&'ÜݧᑴḄlᡂÚᑖ஺41.QTᡝFᵨ
◅◤⌕QTᡝḄñòFàóᑖ᪆7yᑡìQTᡝḄñòFàóᑖ᪆ḄoA.ôçRSTḄDF*+B.ôçRSTḄDkõö*+C.ôçGSᵨ⌶øSᩭùD.ôçRSTḄÎú+ûü
◅ூ_ᫀ௃bDூc᪆௃bQTᡝḄñòFàóᑖ᪆ᒹbজôçRSTḄDF*+°ঝôçRSTḄDkõö*+°ঞôçGSᵨ⌶øSᩭù°টôçRSTḄ:íî஺D⚗ìQTýþᢥ
Ḅ◅ᑖ᪆Ḅᑁ஺42.ᡃ⌲ᔠᔣ◅Ḅᔣ஺◅ᐰ☢ஹ$᝱&'()Ḅ*ᐸ,Ḅ-./012

3334567Ḅᔜ9☢*:ᐵ<Ḅ=>஺A.67◅B.ᑁ?@ᑴC.◅ᳮCDD.EᑭGHE.IJGHூLᫀ௃OA|B|CூP᪆௃O◅ᢣRSTUVᨵḄ◅X*YZ[ᐸ\⃩ᳮᡠ45ḄᔜX◅Y2_*:ᢥ᯿2b᪗d*efஹᐰ☢ஹᢝhᙢ23j\⃩ᳮk)Ḅlm஺nlm-.ᐵ<Ḅ67◅ஹᑁ?@ᑴ1◅ᳮCD*/01234567Ḅᔜ9☢*ᐰ☢ஹ$᝱&'()Ḅ஺43.Ꮇpq◅rsḄ⚜uᦈw᳛y8%,᪗dzy0.15,{u|Ḅ}◅ᦈw᳛y4%᝞ᑭᵨ◅rs1|᪀⌼9⚜uoᦈw᳛y6%Ḅrsᔠ*ᑣ◅rs1|Ḅᢗrᩗ-ᑖUy()஺

34A.50%,50%B.30%,70%C.20%,80%D.40%,60%ூLᫀ௃OAூP᪆௃O᪷rsᔠḄᦈw᳛yORp=WlRl+W2R2,ᐸ*rsḄ⚜uᦈw᳛ᑖUyR11R2,rsḄᢗrᩗ-ᑖUyW11W2=1-Wlo⚪ᵫ◅rs1|᪀⌼ḄrsᔠḄᦈw᳛Rp=W1X8%+
1-W1*4%=6%,Wl=50%,W2=l-Wl=50%o44.r*◅ᩗrsḄ¡¢my=>஺A.£ᵨ◅ᩗrs+¥¦◅r⌕¨B.£ᵨ◅ᩗrs+¥¦◅r⌕¨+©ª◅r⌕¨C.=£ᵨ◅ᩗrs+¥¦◅r⌕¨+©ª◅r⌕¨>X12.5D.£ᵨ◅ᩗrs+=¥¦◅r⌕¨+©ª◅r⌕¨>X

3512.5ூLᫀ௃ODூP᪆௃OD⚗*◅ᩗrsᒹ£ᵨ◅ᩗrsஹ¥¦◅ᩗrs1©ª◅ᩗrs஺¥¦◅ᩗrsy¥¦◅r⌕¨Ḅ12.5®,ᓽ¥¦◅ᩗrs=¥¦◅r⌕¨X12.5²©ª◅ᩗrsy©ª◅r⌕¨Ḅ12.5®*ᓽ©ª◅ᩗrs=©ª◅r⌕¨X12.5஺45.ᙠᑁ?2b´µ*⊤ᑁ·¸¹¡Ḅ◅º»ªᵨ¼½y=>Ḅµ¾஺A.¿Àᭆ᳛B.¿À⚣᳛C.¿ÀÃᜫ᳛D.¿À◅Å☄ூLᫀ௃OD

36ூP᪆௃O·¸¹¡[Ǿȣᵨ◅ḄªᵨᙠÇ*É᧕˼Ì◤ÎÏ·¸IJḄ◅஺ÐÑᨵ·¸¹¡ᩩ*ÓÔᙠÉ᧕ÕÖ×ᙠØ9É᧕Ù*ÚÀGÛ⌕¨ᙠÉ᧕ÜÝÙᔣ¿ÀIJÉ᧕⚗µḄᐰ¸⚗*ÞÚÀᦈß¿ÀàḄᓾâã஺ᑁ?2b´µ*⊤ᑁ·¸¹¡Ḅ◅º»ªᵨ¼½y¿À◅Å☄Ḅµ¾஺46.µᑡåæÇçᖪ6ébr´Ḅ=>஺A.êᣚ|ᑶB.íîï¸
ÃᜫdᜓC.êñuòb|ᑶD.íîᶇ×ᑭôூLᫀ௃ODூP᪆௃OébrË⌕ᩭöÇï¸
Ãᜫdᜓஹòb|ᑶஹᣚ|ᑶ÷*ᦑABCù⚗ᙳûçᖪ6ébr஺D⚗*íîᶇ×ᑭôæÇ

37çbrḄ´஺47.µᑡüýþÿ
ᖪ◅Ḅ“ᕒ”A.✌᜜᧕ᕒ!"#$%᪀B.()*᪶ᕒ,-◚Ṱ0Ꮇ(23ᢇ56)C.ᳮ89ᕒ:ᜮ<=>ᡝ@AᦈCDE⍗GHD.IᑖᕒKLMᜐ
OPKQ᛻STᏉVWXE.Y#᧕ᕒZ[ᣴᩗ^᧕3⌼ᡂXᜫூcᫀ௃fA|B|C|D|Eூg᪆௃f◅iᑖjᕒஹᑁImnஹopq◍s᜜Ituvᜧ஺⚪ABCDEz⚗ᙳ
“ᕒ”◅஺48.)~Ḅt⚗ᒹ஺A.ஹᱥᡈ!^B.ᔲᡂiḄXᜫᜧC.^ᐭmnḄ¡D.ஹᱥᡈO◤⌕^

38E.ᔲ
iḄ¤ᡈ¥ூcᫀ௃fA|B|C|Eூg᪆௃f)~Ḅt⚗ᒹfজᔲ
iḄ¤ᡈ¥§¨ᖪ©ᐕ«ᡈOᐕ«Ḅ)~¬ᨵᐹ¯°A±ঝj³^ᐭmn´µᨵ¶·Ḅᑖ᪆¸¹3▰»ᳮᵫ±ঞᔲḄᡂiḄXᜫᜧ¾⌕Ḅ>ᡝ¿À^ÁTÂÃḄᡂᦈCᑖ᪆±টஹᱥᡈ!^஺49.ᖪ^(ᵨ◅⚜Çᑖ᪆Èiὃ⇋¾jËÌ◅⚜Ç(Í஺A.ËÌ[Î᦮¯ÐÑB.ËÌᑁḄ¥ÒÓ°ᑜOᔠᳮC.ËÌÖᐵØÙØ°ᜧÚ᦮D.ËÌÛS¥ÜÝ⊦⌨E.ËÌᑁ>ᡝY(àáâãäå

39ூcᫀ௃:A|B|C|D|Eூg᪆௃fËÌ◅§¨⊤ÝjËÌçèØ°ḄᜧéᓄஹËÌ[⃩Q᛻ḄូᓄíîËÌᑁI[⃩ïᳮðñÐäஹËÌ()Y¥òូᓄóᐸ◅⚜ÇÛ⌕ᒹfজçèØ°Òõᜧéᓄ;ঝËÌ[⃩Q᛻ÜÝូᓄ;ঞËÌᖪᑖ÷%᪀ÜÝø⚪஺BCù⚗
çèØ°ÒõᜧéᓄḄúá±ADEû⚗
ËÌ[⃩Q᛻ÜÝូᓄḄúá஺50.ÖDüÐᑡWþᙢ
Ḅ
஺A.B.C.D.ூᫀ௃Cூ᪆௃

40
◅ᢣ"#$
%&'᪀)᦮ᡈ,ᩞᧇ/ᓣᡈ123ᒓ56ᑭ8ᓄ:;<=>ᔠ@ᜐBC$
ḄD=EFGHIJGK᦮LMNOPᖪR
⌼ᡂUVឋḄXᵨ◅Zᜫ;ᒹ]/M^
◅_ᐵὶឋ
◅஺ABDb⚗ᙳefᙢ
Ḅ/^ᡈM^
;hfᙢ
ijkᜧ஺51.ᡃoᖪR
pEX<qFrᑜᑖe஺A.pEufᢥw<=_pExy<=B.pEXᵨ<=_pEz{<=C.pExy<=_pEXᵨ<=D,pEu|}~<=_<=ூᫀ௃Aூ᪆௃;ᡃopEX<qFᑜᑖepEufᢥw<=_ᐸpExy<=ᜧ஺ᐸpExy<=ᒹ]pEz{<=pEz{<=ஹpE⃩<=ஹXᵨᓱz{<=ஹ<=5஺52.ᙠ@;BᖪR
ஹᢝ⃩ஹ⌨%Ḅᐰ¢£஺

41A.¤ᐙ¦᳛B.ᑭ¨᳛C.&D.©&ூᫀ௃Aூ᪆௃ªᐵBV«o▭R
¤®_¤᪗°Ḅ±²³´µ¶±²I·«ᝅo▭¹ᵨḄ⌚»⊤ᑁ᜜◅Ḅ¤ᐙ¦᳛᪗°;¿%·R
ᨬÁ¤⌕Ã;Ĥᐙ¦᳛ÅeR
Ḅ᪶ÇᑁÈ;É¿%ᐹLḄஹo▭V«Ḅ᪗°஺53.MᑡÌ«⚗ᵫBÎἠḄ6ᑭ8ᡠÑᩭḄ◅ÓA.Îἠ◅B,ᢚÕ◅C.Ö᧕◅D.Xᵨ◅

42ூᫀ௃A17.ᖪq◅ᢣᖪR
ᡠᢝᨵḄᔜᖪqḄÚÛ6ᑭ8OPᖪR
ÑᩭZᜫḄ◅஺CÜḄᖪq6ᒹ]oA.ÝB.ÞßC.àáD.âãூᫀ௃Dூ᪆௃ᖪq◅äå@Ḅᖪqæ⌕ᢣFrᙠᑁçᵫÖ᧕Ḅèqஹéqᒹ]Þß_êãë5;ì6ᒹ]âãCêãë;âãíîᐭᖪR
ð᳛◅ᶖḄ஺54.rMÌ◅óô6õ"íᑜᑖeöÅ◅Ó

43A.Ö᧕UV@Ḅ᡻
øùúUVûᙠüýB.þᑖ⃩ᡠUVᦑ⌼ᡂᡝᜫC.ᕒ┯ᦈ᜜D.ᡝᳮ⌼ᡂᦈᐭூ"ᫀ௃%Dூ&᪆௃%ᖪ)Ḅ+,-◅/ᢥ1ᕒ23ஹᑁ678ஹ9:;◍=᜜6>?@ᜧBCᑖB஺A⚗GHᑁ678IB⚗GH9:;◍IC⚗GH1ᕒ23஺55.2009JKLMNᡊᶍ-◅ḄQஹRஹ-◅STUVᑨ᪗YZ[ᑡ]^⚗_GHQ-◅ḄᱯabcdA.ᡊᶍe᪗;ᜫஹ_fgᡈiὃ⇋)lm᛻ḄoᓄB.qᳮrsᡈtᨵvw_xyzt⚜|Ḅ}ᶍe᪗C.qᳮᙠᡈl}ஹ☢Ḅy⊤t^D.)ᦻᓄ|ᡊᶍe᪗_^

44ூ"ᫀ௃cூ&᪆௃%C⚗R-◅ḄVᑨ᪗Y஺56.[ᑡᐵHᖪ)sḄRᨬ_ាḄ^⚗cd஺A.᪷¡¢oᓄZ£¤|¥V¦ஹ§sḄ¨ᑴB.sª〉¬⌱®¯23so°Z᪀£²ᔠឋḄµ¶Ꮇ¸C.ᡠ⌱®Ḅsgºᡠ¸»µ¶rᨵᦔ½¾¿ᔜBzÁ-◅D.ᔠᳮ¸»ÂÃஹRÃஹÄÃÅ_ÆÇÄ8ÃḄsµ¶ூ"ᫀ௃%Bூ&᪆௃%B⚗Zᖪ)᪷eḄ◤⌕Z⌱®ᓫ23so°Z᪀£ᓫ^Ḅµ¶Ꮇ¸ZV¦ᓫ^>?NvËᐙx᳛ḄÎÏZᡈ⌱®¯23so°Z᪀£²ᔠឋḄµ¶Ꮇ¸Zᑖ᪆ஹV¦9:ឋ-◅NvËÐ

45rsḄÎÏ஺57.[ᑡᐵHÑ¥=¥ÒḄZÓgḄcd஺A.Ñ¥ᔠÔᢣÖ᧕Øᢥ>ᐜÔ|ÚÛZᙠiᩭÝ^Þ¥Öᒘ^|ᦪ°Ḅ᪗ḄᱥḄâãäå)lÖ᧕B.Ñ¥ᔠÔ=¥ÒᔠÔæçᙠÖ᧕ᡠᑁèÖ᧕C.¥ÒᔠÔé᪗YᓄᔠÔD.Ñ¥ᔠÔ᪗Ḅᱥ/yᒹë᜜ஹᑭ᳛ஹᖪÅᔜB¡íḄîẠâãE.ᙠᖪ-◅☢ZæçðᵨᔜBᖪ¥ÒNòiᩭḄᖪÚÛóô-◅ூ"ᫀ௃%A|D|Eூ&᪆௃%B⚗ZÑ¥ᔠÔæçᙠå᜜äåèÖ᧕Z¥ÒᔠÔæçᙠÖ᧕ᡠᑁèÖ᧕IC⚗Z¥ÒᔠÔᐹᨵ᪗Y¥▲ஹ᪗YᓫḄ᪗YᓄᔠÔ஺58.ᩨᩚ᳛Lq⌚úU⊤᜜vZû⊡UcdvËLq[⊤᜜v-◅»_xḄý⚪஺

46A.ÿ
nB.
IC.
HID.
᪾Ḅᦋ
2.5ூᫀ௃Aூ᪆௃ᩨᩚ᳛⌚⊤᜜⊡
n!"⊤᜜#◅%&'(Ḅ)⚪+,-.ᔣ⊤᜜01.ᝅᑭḄ45ឋ஺59.ᖪ:-.;<=#◅Ḅ%>?@AB(Ḅ⌕DᨵF஺A.5G⌚ᡠᨵ#◅I☄K'LMNḄ#◅B.5G⌚ᡠᨵOᜧ#◅I☄K'LMNḄ#◅C.5G᪷R#◅ḄᑖᦣUV%><=#◅D.5GᙠᓫYKZ⊤[☢ᢥ<=%>#◅E.5G᪷Rᨵ#◅01^_#◅01UVᑖ=%><=#◅

47ூᫀ௃:B|D|Eூ᪆௃ᖪ:-.A`᪷R!a᪀<=#◅MNஹI☄deKfᩖhi⌱k〉`Ḅ%>?@஺%>?@A`m,B(n"⌕Dজ5G⌚ᡠᨵOᜧ#◅I☄K'LMNḄ#◅pঝ5GᙠᓫYKZ⊤[☢ᢥ<=%>#◅pঞ5G᪷Rᨵ#◅01^_#◅01UVᑖ=%><=#◅஺60.ᙠst#◅uvwxy◤⌕{|⚜ᐜuvḄ#◅ᒹF஺A.;ᖪ:-.Ḅᑭ⚜B.ᡝᡈḄឋᓄ᝞⃩:ᡠஹ⃩:ஹᦈ?☢Ḅ᦮FC.ᖪ:-.ᦋ☩/OḄᡂ!/ᦈ¢D.a᪀£¤᦮ᦋḄ'ᑭ¥¦/E.ᑭ᳛§ᑁᒓª«¬ூᫀ௃:A|B|C|Dூ᪆௃

48ᖪ:-.xy◤⌕{|⚜ᐜuvḄ#◅ᒹজ;ᖪ:-.Ḅᑭ⚜pঝᖪ:-.ᦋ☩/OḄᡂ!/ᦈ¢pঞa᪀£¤᦮ᦋḄ'ᑭ¥¦/pটᡝᡈḄឋᓄ᝞⃩:ᡠஹ⃩:ஹᦈ?☢Ḅ᦮F஺