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下列指标中属于客户风险的基本面指标的是()。
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采用回收现金流法计算违约损失率时，若回收金额为04亿元，回收成本为0．84亿元．违约风险暴露为2亿元，则违约损失率为()。
David Landes, author of The Wealth and Poverty of Nations: Why Some Are So Rich and Some So Poor, credits the world's economic and social progress over the last thousand years to "Western civilization and its dissemination." The reason, he believes, is that Europeans invented systematic economic development Landes adds that three unique aspects of European culture were crucial ingredients in Europe's economic growth.
First, science developed as an autonomous method of intellectual inquiry that successfully disengaged itself from the social constraints of organized religion and from the political constraints of centralized authority. Though Europe lacked a political center, its scholars benefited from the use of a single vehicle of communication: Latin. This common tongue facilitated an adversarial discourse in which new ideas about the physical world could be tested, demonstrated, and then accepted across the continent and eventually across the world.
Second, Landes espouses a generalized form. of Max Weber's thesis that the values of work, initiative, and investment made the difference for Europe. Despite his emphasis on science, Landes does not stress the notion of rationality as such. In his view, "what counts is work, thrift, honesty, patience, [and] tenacity." The only route to economic success for individuals or states is working hard, spending less than you earn, and investing the rest in productive capacity. This is his fundamental explanation of the problem posed by his book's subtitle: "Why Some Are So Rich and Some So Poor." For historical reasons—an emphasis on private property, an experience of political pluralism, a temperate climate, an urban style—Europeans have, on balance, followed those practices and therefore have prospered.
Third, and perhaps most important, Europeans were learners. They "learned rather greedily," as Joel Mokyr put it in a review of Landes's book. Even if Europeans possessed indigenous technologies that gave them an advantage (spectacles, for example), as Landes believes they did, their most vital asset was the ability to assimilate knowledge from around the world. and put it to use—as in borrowing the concept of zero and rediscovering Aristotle's Logic from the Arabs and taking paper and gunpowder from the Chinese via the Muslim world. Landes argues that a systematic resistance to learning from other cultures had become the greatest handicap of the Chinese by the eighteenth century and remains the greatest handicap of Arab countries today.
Although his analysis of European expansion is almost nonexistent, Landes does not argue that Europeans were beneficent bearers of civilization to a benighted world. Rather, he relies on his own commonsense law: "When one group is strong enough to push another around and stands to gain by it, it will do so." In contrast to the new school of world historians, Landes believes that specific cultural values enabled technological advances that in turn made some Europeans strong enough to dominate people in other parts of the world. Europeans therefore proceeded to do so with great viciousness and cruelty. By focusing on their victimization in this process, Landes holds, some postcolonial states have wasted energy that could have been put into productive work and investment. If one could sum up Landes's advice to these states in one sentence, it might be "Stop whining and get to work." This is particularly important, indeed hopeful, advice, he would argue, because success is not permanent. Advantages are not fixed, gains from trade are unequal, and different societies react differently to market signals. Therefore, not only is there hope for undeveloped countries, but developed countries have little cause to be complacent, because the current situation "will press hard" on them.
The thrust of studies like Landes's is to identify those distinctive features of European civilization that lie behind Europe's rise to po
It can be inferred from the passage that the key element in improving the reading ability
下列关于CreditMetrics模型的说法，不正确的是()。
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