单选题The news from America's housing market is getting no better. As sales declines and defaults and foreclosures climb, pessimists fear that over a million Americans could be driven out of their homes as adjustable-rate mortgages are reset. What should policymakers do? Congress is eager to do more: hence the calls to expand the role of Fannie Mae and Freddie Mac, the giant government-sponsored enterprises (GSES) that tower over America's mortgage market. Fannie's and Freddie's political allies want two things. The first is the raising of the $417,000 limit on the size of loans that the pair may handle. The second demand is the lifting of caps on the amount of mortgages they may buy and hold for themselves. Fannie and Freddie could then ride to the rescue of struggling borrowers, injecting liquidity into parts of the market that have seized up. Their arguments are winning support, and opposition from the Bush administration and the GSES' regulator is softening. Unfortunately, the ideas are likely to do more for Fannie and Freddie than for the mortgage market. Start with the $417,000 limit. Lifting this could help if Fannie and Freddie scoured the upper bracket for borrowers who were struggling but viable. But their history suggests that they would cherry-pick those who could get refinanced elsewhere. And the huge-mortgage market may be correcting itself anyway: spreads over GSE-backed loans, though still unusually high, are falling. It is also riskier. When they hold a mortgage, they take on not only credit risk but also interest-rate and prepayment risk. The loans they guarantee, in contrast, carry only credit risk. So as well as being just as effective, the guarantee business is also safer—and thus better for the taxpayer who unwittingly stands behind the GSES. Moreover, even if they grow no more, the mortgage giants pose a clear systemic threat. Their portfolios of retained mortgages and mortgage-backed securities add up to no less than $1.4 trillion. It is bad enough that this is concentrated in two institutions. No matter how much risk they take or how they manage it, they can borrow at rock-bottom interest rates. If they got into trouble, banks as well as taxpayers would be on the hook. Banks may hold as much GSE debt as they want. Many have amounts that exceed their regulatory capital. The giants were set up decades ago to help banks pool concentrated regional mortgage risk and to make housing more affordable. But as the market has grown deeper and more sophisticated, history has left them behind—hence their desire to get into any bit of the business that will turn a profit. The eventual aim should be to turn them into normal private-sector companies, by stripping them of the charters that give rise to the implicit government guarantees, and break them into smaller pieces.

单选题A．咽喉红肿疼痛B．咽部嫩红，肿痛不甚C．喉部两侧肿块，红赤溃烂D．咽喉出现白色假膜，刮之不去或随即复生

单选题国家干部遵纪守法，照章办事，不论远近亲疏都一视同仁；教师平等地对待每个学生，没有智力差别和家庭贫富贵贱之分；售货员公平地对待每位顾客，服务热情，不以貌取人，欺叟骗童。这是 A．助人为乐的社会公德的要求 B．办事公道的职业道德的要求 C．尊老爱幼的家庭美德的要求D．完善自我的人际吸引的要求

单选题A．咳嗽，咯痰稀白 B．咳喘，痰多易咯 C．咳喘，咯痰黄稠 D．咳嗽，痰少难咯

单选题 凡是证名，必须有哪项?（ ） A、病位 B、病因病性 C、病势 D、病情 E、病本

单选题提示疾病发展转折点的是A．自汗B．盗汗C．大汗D．战汗

单选题下列除哪一项外，都是气虚证的临床表现

单选题病色交错，肾病见白色为( )(1997年第16题)

单选题引起哮病发作最常见的诱因是

单选题上述哪项多见胸部青紫肿胀，压痛拒按

单选题白喉的咳嗽特点是( )(1999年第17题)

单选题小儿指纹紫红。多主

单选题下列哪项表现为神志清楚．思维正常而吐字困难，或吐字不清

单选题对湿证的认识，下列哪项不妥A．病势多缠绵B．一般从寒化C．易阻滞气机D．多困遏清阳

单选题下列选项中，不是少阴寒化证辨证依据的是( )(2011年第28题)

单选题舌淡白而苔灰黑，干燥如刺，刮之即净，主病是( )(1998年第15题)

单选题A．温邪犯表，肺卫失宣B．邪热壅肺，肺气郁闭C．热灼营阴，心神被扰D．邪入气分，热炽伤津

单选题湿温潮热的特点是A．午后低热B．热势较高，日晡为甚C．身热不扬，午后热甚D．骨蒸发热

单选题A．根盘收束而隆起B．肿处硬板而不热C．按之边顶均坚硬D．按之边硬而顶软

单选题下列哪项不是火热证的致病特点