[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f5C1NCc-QSaqzfIz_Oz9eHkn7DEXPz0Hr4pGqN_YWlZc":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":12,"question":16,"related":17,"source":27,"type":28},[],"2026-03-06 13:05:34",320928434,[8,9,10,11],"以牛羊作为一般等价物交换","使用本票完成商业支付","通过银行卡对账户进行借记\u002F贷记","自动清算所批量净额结算",{"courseId":13,"courseImg":14,"courseName":15},"53e1d2ef4961cca8eea3e23969ad2cb9","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F03a579384a6dc297c89809b582fcc767.png","默认课程","下列哪项属于电子支付的典型实现形式",[18,29,32,41,50,59,68,77,86,95],{"answer":19,"createTime":5,"id":20,"options":21,"question":26,"source":27,"type":28},[],320928433,[22,23,24,25],"付款人向收款人转移货币债权","清偿双方或多方资金债务","银行同业间清场债权债务的过程","非现金支付的交易指令生成","清算在支付体系中的核心含义是","v1",0,{"answer":30,"createTime":5,"id":6,"options":31,"question":16,"source":27,"type":28},[],[8,9,10,11],{"answer":33,"createTime":5,"id":34,"options":35,"question":40,"source":27,"type":28},[],320928435,[36,37,38,39],"对称加密交易数据","建立数字证书验证体系","设计保险免赔条款","批量处理支付指令","PKI技术在支付安全中的作用是",{"answer":42,"createTime":5,"id":43,"options":44,"question":49,"source":27,"type":28},[],320928436,[45,46,47,48],"高净值客户群体集中","大型企业融资需求主导","中小微企业需求被系统性忽视","仅服务国际金融机构","金融长尾市场的特征是",{"answer":51,"createTime":5,"id":52,"options":53,"question":58,"source":27,"type":28},[],320928437,[54,55,56,57],"仅保障高收入群体服务","通过创新增强服务弱势群体能力","优先维护金融机构利润","取消所有金融服务成本","普惠金融实现的关键路径是",{"answer":60,"createTime":5,"id":61,"options":62,"question":67,"source":27,"type":28},[],320928438,[63,64,65,66],"增加物理网点数量","提高贷款利率覆盖风险","互联网平台主动匹配供需","强制企业公开商业机密","金融科技降低融资搜寻成本主要通过",{"answer":69,"createTime":5,"id":70,"options":71,"question":76,"source":27,"type":28},[],320928439,[72,73,74,75],"如何在信息不对称下设计激励相容规则","最大化金融机构短期利润","统一全球金融监管标准","完全消除金融风险","机制设计理论主要解决",{"answer":78,"createTime":5,"id":79,"options":80,"question":85,"source":27,"type":28},[],320928440,[81,82,83,84],"操作风险","市场流动性风险","逆向选择问题","系统性风险","银行审查企业财务指标以降低贷前风险,主要针对",{"answer":87,"createTime":5,"id":88,"options":89,"question":94,"source":27,"type":28},[],320928441,[90,91,92,93],"西尔柏(Silber)","凯恩(Kane)","希克斯(Hicks)","尼汉斯(Niehans)","&quot;规避型金融创新&quot;理论的提出者是",{"answer":96,"createTime":5,"id":97,"options":98,"question":103,"source":27,"type":28},[],320928442,[99,100,101,102],"增加监管复杂性","提供底层支撑与发展动力","完全消除市场摩擦","减少金融服务需求","技术进步推动金融创新的根本作用是"]