39、Which of the following statements correctly describes the risk of commecial bank?
       I commercial bank is more exposed to operational risk than credit risk
       II commercial bank is less exposed to market risk than operational risk
       III commercial bank is more exposed to credit risk than market risk

       a. I only
       b. II and III
       c. III only
       d. I and III
Answer：a
下面是解释：
       I. Incorret .commercial bank is more exposed to  credit risk than operational risk
       II Correct. commercial bank is less exposed to market risk than operational risk
       III Correct also. commercial bank is more exposed to credit risk than market risk
      Therefor only answer a contains the sole incorrect statement,and so a is the correct answer.
从解释来看，不是b才是正确答案吗？怎么是a呢？是不是我错了？
我是第一次想参加FRM的考试的，希望前辈不吝赐教啊，感激不尽！