FRM二级备考，要注意关于巴塞尔协议的部分，这个考点比较重要，需要记忆的部分很多。快来看看高顿网校FRM小编整理的考生常见难题易错题吧。
　　1.Under the Basel II Capital Accord, the standardized approach to credit risk requires that loans considered past due be risk weighted at:
　　A. 100%
　　B. 200%
　　C. 150%
　　D. 80%
　　2.MainBank is a bank holding company with two subsidiaries, ElmBank and OakBank. ElmBank is an internationally active bank. OakBank is also an intemationally active bank, and OakBank has an insurance subsidiary. The application ofthe Basel II framework in tbis situation should be to:
　　I. ElmBank on a standalone basis.
　　II. MainBank on a consolidated basis.
　　III. OakBank's insurance subsidiary on a standalone basis.
　　IV. Oak Bank without consolidating the insurance subsidiary.
　　A. I and III only
　　B. I and II only
　　C. III only
　　D. I, II, III and IV
　　3.Which ofthe following assets requires a 0 percent risk weighting according to the Basel Accord?
　　A. Cash receivables
　　B. Residential mortgages
　　C. Industrial real estate investments
　　D. Cash
　　Answer:
　　1.C
　　Under the Basel II Accord, loans considered past due are risk weighted at 150% to reflect their greater risk profile.
　　2.B
　　Related businesses such as insurance should be consolidated. The Accord calls on supervisors to look at not only the holding company, but also at each individual banking subsidiary to assure that the depositors of those subsidiaries are adequately protected by capital.
　　3.D
　　Cash is the only asset that allows a zero percent risk weighting in the list.