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簡述商業(yè)銀行制定資本計劃的各階段的基本內容。

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正確答案:

(1)銀行創(chuàng)始初期投入的資本,銀行在開業(yè)注冊登記時所載明,界定銀行經營規(guī)模的資金;

(2)銀行業(yè)務經營中補充的資本,商業(yè)銀行在業(yè)務經營過程中通過各種方式不斷補充的資金。

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SellingDigitalMusicwithoutCopy-protectionMakesSense A. Itwasuncharacteristicallylow-keyfortheindustry’sgreatestshowman.ButtheessaypublishedthisweekbySteveJobs,thebossofApple,onhisfirm’swebsiteundertheunassumingtitle“ThoughtsonMusic”hasnonethelessprovokedavigorousdebateaboutthefutureofdigitalmusic,whichAppledominateswithitsiPodmusic-playerandiTunesmusic-store.Atissueis“digitalrightsmanagement”(DRM)—thetechnologyguardingdownloadedmusicagainsttheft.SincethereisnocommonstandardforDRM,italsohastheside-effectthatsongspurchasedforonetypeofmusic-playermaynotworkonanother.Apple’sDRMsystem,calledFairPlay,isthemostwidespread.SoitcameasasurprisewhenMr.JobscalledforDRMfordigitalmusictobeabolished. B. ThisisachangeoftackforApple.IthascomeunderfirefromEuropeanregulatorswhoclaimthatitsrefusaltolicenseFairPlaytootherfirmshas“l(fā)ockedin”customers.SincemusicfromtheiTunesstorecannotbeplayedonnon-iPodmusic-players(atleastnotwithoutalotoffiddling),anyiTunesbuyerwillbedeterredfromswitchingtoadevicemadebyarivalfirm,suchasSonyorMicrosoft.WhenFrenchlawmakersdraftedabilllastyearcompellingAppletoopenupFairPlaytorivals,thecompanywarnedof“state-sponsoredpiracy”.OnlyDRM,itimplied,couldkeepthepiratesatbay. C. ThisweekMr.JobsgaveanotherexplanationforhisformerdefenceofDRM:therecordcompaniesmadehimdoit.TheywouldmaketheirmusicavailabletotheiTunesstoreonlyifAppleagreedtoprotectitusingDRM.TheycanstillwithdrawtheircataloguesiftheDRMsystemiscompromised.ApplecannotlicenseFairPlaytoothers,saysMrJobs,becauseitwoulddependonthemtoproducesecurityfixespromptly.AllDRMdoesisrestrictconsumerchoiceandprovideabarriertoentry,saysMrJobs;withoutittherewouldbefarmorestoresandplayers,andfarmoreinnovation.So,hesuggests,whynotdoawaywithDRMandsellmusicunprotected?“Thisisclearlythebestalternativeforconsumers,”hedeclares,“andApplewouldembraceitinaheartbeat.” D. Whythesuddenchangeofheart?MrJobsseemschieflyconcernedwithgettingEurope’sregulatorsoffhisback.RatherthancomplainingtoAppleaboutitsuseofDRM,hesuggests,“thoseunhappywiththecurrentsituationshouldredirecttheirenergiestowardspersuadingthemusiccompaniestoselltheirmusicDRM-free.”Twoandahalfofthefourbigrecordcompanies,hehelpfullypointsout,areEuropean-owned.MrJobsalsohopestopainthimselfasaconsumerchampion.AppleresentsaccusationsthatithasbecometheMicrosoftofdigitalmusic. E. Applecanaffordtoembraceopencompetitioninmusicplayersandonlinestores.Consumerswouldgravitatetothebestplayerandthebeststore,andatthemomentthatstillmeansApple’s.MrJobsisevidentlyunfazedbyrivalstotheiPod.Sinceonly3%ofthemusicinatypicaliTuneslibraryisprotected,mostofitcanalreadybeusedonotherplayerstoday,henotes.(AndeventheprotectedtrackscanbeburnedontoaCDandthenre-ripped.)SoApple’sdominanceevidentlydependsfarmoreonbrandingandeaseofusethanDRM-related“l(fā)ockin”. F. ThemusicgiantsaretryingDRM-freedownloads.Lotsofsmallerlabelsalreadysellmusicthatway.Havingseenwhichwaythewindisblowing,MrJobsnowwantstobeseennotasDRM’sdefender,butasaconsumerchampionwhohelpedinitsdownfall.Wouldn’titleadtoasurgeinpiracy?No,becausemostmusicisstillsoldunprotectedonCDs,peoplewishingtostealmusicalreadycandoso.Indeed,scrappingDRMwouldprobablyincreaseonline-musicsalesbyreducingconfusionandincompatibility.Withtheleadingonlinestore,Applewouldbenefitmost.MrJobs’sargument,inshort,istransparentlyself-serving.Italsohappenstoberight. NotestoReadingPassage1 1.low-key: 抑制的,受約束的,屈服的 2.showman: 開展覽會的人,出風頭的人物 3.unassuming: 謙遜的,不夸耀的,不裝腔作勢的 4.iPod: (蘋果公司出產的)音樂播放器 5.iTunesstore: (蘋果公司出產的)在線音樂商店 6.getoffperson’sback: 不再找某人的麻煩,擺脫某人的糾纏 7.gravitate: 受吸引,傾向于 8.unfazed: 不再擔憂,不被打擾 Questions1-7 DothefollowingstatemetsreflecttheclaimsofthewriterinReadingPassage1? WriteyouranswerinBoxes1-7onyouranswersheet. TRUEifthestatementrefletstheclaimsofthewriter FALSEifthestatementcontradictstheclaimsofthewriter NOTGIVENifitisimpossbiletosaywhatthewriterthinksaboutthis 1.AppleenjoysacontrollingpositionindigitalmusicmarketwithitsiPodmusic-playerandiTunesmusic-store. 2.DRMisagovernmentdecreeissuedwithapurposetoprotectdownloadedmusicfromtheftbyconsumers. 3.LackofstandardizationinDRMmakessongsboughtforonekindofmusicplayermaynotfunctiononanother. 4.ApplehasbeencriticizedbyEuropeanregulatorssinceithasrefusedtograntalicenseFairPlaytootherfirms. 5.Allmusiccanbeeasilyplayedonnon-iPodmusicdevicesfromSonyorMicrosoftwithouttoomuchfiddling. 6.AppledependsfarmoreonDRMratherthanbrandingforitsdominanceofthedigitalmusicdevices. 7.IfDRMwascancelled,Sonywouldcertainlydominatetheinternationaldigitalmusicmarket. Questions8-10 ChoosetheappropriatelettersA-Dandwritetheminboxes8-10onyouranswesheet. 8.WhichofthefollowingstatementsaboutMr.Jobs’ideaofDRMisNOTTRUE? A.DRMplacesrestrictionsonconsumer’choiceofdigitalmusicproductsavailable. B.DRMcomplesiTunesbuyerstoswitchtoadevicemadebySonyorMicrosoft. C.DRMconstitutesabarrierforpotentialconsumerstoenterdigitalmusicmarkets. D.DRMhindersdevelopmentofmorestoresandplayersandtechnicalinnovation. 9.Theword“unfazed”inline3ofparagraphE,means___________. A.refused B.welcomed C.notbothered D.notwellreceived 10.WhichofthefollowingstatementsisTRUEifDRMwasscapped? A.Sonywouldgainthemostprofit. B.Morecustomerswouldbe“l(fā)ockedin”. C.Asuddenincreaseinpiracywouldoccur. D.Online-musicsaleswouldprobablydecrease. Questions11-14 Completethenotesbelow. ChooseNOMORETHANTHREEWORDSfromReadingPassage1foreachanswer. Writeyouranswersinboxes11-14onyouranswersheet. Mr.SteveJobs,thebossofApple,explainsthereasonwhyheusedtodefendDRM,sayingthatthecompanywasforcedtodoso:therecordcompanieswouldmaketheirmusicaccessibleto…11...onlyiftheyagreedtoprotectitusingDRM;theycanstill…12…iftheDRMsystemiscompromised.HealsoprovidesthereasonwhyAppledidnotlicenseFairPlaytoothers:thecompanyreliesonthemto…13….ButnowhechangeshismindwithapossibleexpectationthatEurope’sregulatorswouldnottroublehimanymoreinthefuture.Heproposesthatthosewhoareunsatisfactorywiththecurrentsituationindigitalmusicmarketshould…14…towardspersuadethemusiccompaniestoselltheirmusicDRM-free.
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