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下列关于风险监管的表述，错误的是（）。

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黄先生于2006年向中国建设银行申请了一笔商用房贷款，截上2009年4月30日，发生利息总额为10万元，黄先生已还利息8万元，此时他请求提前还贷，则银行可以（）。

根据下列文章,请回答 31～35 题。
Crystal Ear
One day a friend asked my wife Jill if lwanted a hearing aid．“He certainly does．” replied Jill．After hearing about aremarkable new product，Jill finally got up the nerve to ask me if I'd everthought about getting a hearing aid．“No way,” I said。“It would make me look 2oyears older．”“No，no，”she replied．“This is entirely different．It's Crystal Ear!”
Jill was right．Crystal Ear isdifferent--not the old．styled body worn or over-the．Ear aid，but an advancedpersonal sound system SO small that it's like contacts(隐形眼镜)for your ears．AndCrystal Ear is super-sensitive and powerful，too．You will hear sounds your earshave been missing for years．Crystal Ear will make speech Louder and the soundis pure and natural．
I couldn't believe how tiny it is．It issmaller than the tip of my little finger and it's almost invisible when worn．Thereare no wires，no behind-the-ear device．Put it in your ear and its ready-to-wearmold(形状)讯s comfortably．Since it's not too‘loud or too tight， you may evenforget that you're wearing it! Use it at work or at play．And if your hearing problemis worse in certain situations，use Crystal Ear only when you need it．
Hearing loss。which occurs typically prior toteenage years，progresses throughout one's lifetime．Although hearing loss is nowthe world's number one health problem，nearly 9o percent of people suffering hearingloss choose to leave the problem untreated。For many millions，treating hearingloss in a conventional way can involve numerous office visits，expensive testingand adjustments to fit your ear．Thanks to Crystal Ear，the “sound solution” isnow convenient．Almost 9o percent of people with mild hearing loss．and millionsmore with just a little hearing drop—off(下降)，can be dramatically helped with CrystalEar．Moreover, its superior design is enemy—efficient。SO batteries can lastmonths．Crystal Ear is now available to help these people treat their hearingloss with a small hearing amplifier(放大器)．
第 31 题 Initially the writer did not want to buy ahearing aid because

A. it would make him look old．
B. it would make him nervous．
C. it was too expensive．
D. it was old—styled．

关于信用风险定量信息披露包括（）。

对于本外币的流动性管理，（）是我国商业银行应学习和引进的国际先进做法。