[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f5tdstNzk7D2CfrLVB6FtgkelpPsjFo304KeSIQSrgI8":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",320928441,[8,9,10,11],"西尔柏(Silber)","凯恩(Kane)","希克斯(Hicks)","尼汉斯(Niehans)",{"courseId":13,"courseImg":14,"courseName":15},"53e1d2ef4961cca8eea3e23969ad2cb9","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F03a579384a6dc297c89809b582fcc767.png","默认课程","&quot;规避型金融创新&quot;理论的提出者是",[18,29,38,47,56,65,74,83,92,95],{"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":31,"options":32,"question":37,"source":27,"type":28},[],320928434,[33,34,35,36],"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","下列哪项属于电子支付的典型实现形式",{"answer":39,"createTime":5,"id":40,"options":41,"question":46,"source":27,"type":28},[],320928435,[42,43,44,45],"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":48,"createTime":5,"id":49,"options":50,"question":55,"source":27,"type":28},[],320928436,[51,52,53,54],"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":57,"createTime":5,"id":58,"options":59,"question":64,"source":27,"type":28},[],320928437,[60,61,62,63],"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":66,"createTime":5,"id":67,"options":68,"question":73,"source":27,"type":28},[],320928438,[69,70,71,72],"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":75,"createTime":5,"id":76,"options":77,"question":82,"source":27,"type":28},[],320928439,[78,79,80,81],"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":84,"createTime":5,"id":85,"options":86,"question":91,"source":27,"type":28},[],320928440,[87,88,89,90],"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":93,"createTime":5,"id":6,"options":94,"question":16,"source":27,"type":28},[],[8,9,10,11],{"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"]