【简答题】【消耗次数：1】
Direction: Fill in the blanks with the words given below. Change the form if necessary.[privilege; component; stagnant; entangle; superficial; arresting; expound; penetrating; indulge; click]7. The speaker has an hour to[填空1]his views to the public.
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商业银行申请需要批准的个人理财业务，应向中国银行业监督管理委员会报送那些材料？（）
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由商业银行负责人签署的申请书
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拟申请业务介绍，包括业务性质、目标客户群以及相关分析预测
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业务实施方案，包括拟申请业务的管理体系、主要风险及拟采取的管理措施等
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商业银行内部相关部门的审核意见
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对外介绍材料和宣传材料
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商业银行理财业务有哪些情形之一的，应及时向中国银监会或者其派出机构报告？（）
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发生群体性事件、重大投诉等重大事件
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挪用客户资金或资产
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投资交易对手或其他信用关联方发生重大违约事件，可能造成理财产品重大亏损
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理财产品出现高盈利
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理财产品出现重大亏损
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不得独立测算的理财产品
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收益率为零的理财产品
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收益率为负值的理财产品
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非保本浮动收益理财产品
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未经银监会批准的理财计划或产品
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建立健全保险代理业务的各项规章制度
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严格保费和代理手续费管理
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强化制度落实
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代理保险业务知识培训制度
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绩效奖惩制度