银行在对客户进行借款需求分析时，不需要关注的是（）。___

银企合作协议涉及的贷款安排一般属于（）性质。___

营运能力是指通过借款人（）的有关指标反映出来的资产利用效率，它表明客户管理人员经营、管理和运用资产的能力。___

影响行业的外部因素不包括（）。___

与借款人的偿债能力无关的是（）。___

在财务分析中，ROE可以分解的因素不包括（）。___

在行业发展的四阶段模型中，“行业动荡期”一般会出现在（）。___

在银行流动资金贷前调查报告中，借款人财务状况不包括（）。___

主要通过流动资产与流动负债的关系反映借款人到期偿还债务能力的指标是（）。___

（）为全流程管理和协议承诺提供了操作的抓手和依据，有助于贷款人防范信用风险和法律风险。___

采用主导式定位方式的银行（）。___

从一般意义上讲，产品竞争需要经历（）的过程。___

贷款人应根据审慎性原则，完善授权管理制度，规范审批操作流程，明确贷款审批权限，实行（）和（），确保贷款审批人员按照授权独立审批贷款。___

当商业银行资产规模很小，提供的信贷产品较少时，应采用的市场定位方式是（）。___

当银行运用对客户需求有价值的方法把自己区别于竞争对手，而且竞争对手使用的差异化服务的数目少于有效的差异性服务的数目时，采取（）特别奏效。___

对银行而言，进行市场细分时，所要细分的“市场”是指（）。___

反映商业银行对贷款损失的弥补能力和对贷款风险的防范能力的关键风险指标是（）。___

房地产开发项目资本金比例达不到（）的项目，商业银行不得发放任何形式的贷款。___

机动车押品的登记部门为（）。___

借款人申请无担保流动资金贷款，必须具备的条件中不包括（）。___

就潜在损失的程度而言，（）是首要的银行风险。___

审批人员不受干扰，按照（）的原则自主审批贷款，是信贷风险管理的重要保证。___

授信风险越高的客户，贷后检查次数应越多、频率越高，按（）原则进行管理。___

下列不属于市场细分原则的是（）。___

下列关于SWOT分析法的表述错误的是（）。___

下列关于保证期间债权债务转让的说法，错误的是（）。___

下列关于贷款风险分类的说法，错误的是（）。___

下列市场细分行为中，违反可衡量性原则的是（）。___

银行从事营销管理主要活动的顺序为（）。①制定营销战略②设计营销方案③分析营销机会④调整业务组合⑤实施营销控制___

在经济学中，由于事前的信息不对称，使得银行将一些优质客户拒之门外的现象称为（）。___

在客户对价格十分敏感的情况下，竞争基本上是在价格上展开的，此时采用（）特别奏效。___

在银行品牌营销中，国际市场上的普遍规律是（）的强势品牌占据着（）的市场。___

准备金占不良贷款余额的比例是（）。___

（）是股份有限公司的权力机构。___

（）是应收账款质押的登记机构。___

（）是有限责任公司的权力机构。___

《商业银行授信工作尽职指引》所指授信对象是指（）。___

单家银行担任牵头行时，分销给其他银团成员的份额原则上不得低于银团融资总金额的（）。___

单家银行担任牵头行时，其承贷份额原则上不得少于银团融资总金额的（）。___

电子商业汇票为定日付款票据。电子商业汇票的付款期限自出票日起至到期日止，最长不得超过（）。___

时间___

“机不可失，时不再来”指的是___

是 ___

在客观规律面前，人的主观能动性表现在___

事物的联系和运动之间的关系___

唯物辩证法的总特征是___

___

“割下来的手就不再是人手”这句话体现了___

唯物辩证法认为发展的实质是___

区分新事物和旧事物的标志在于看它们___

质量互变规律揭示了___

质和事物的存在是___

在实际工作中，要注意掌握分寸，防止“过”或“不及”，其关键在于___

区分量变和质变的根本标志是看___

量变的复杂性是指___

量变中的阶段性部分质变表现了___

量变中的局部性部分质变是___

揭示事物发展的趋势和道路的规律是___

“肯定和否定相互渗透，在一定意义上，肯定就是否定。”这是一种___

事物的否定方面是指___

作为辩证的否定的“扬弃”是___

辩证的否定是事物发展的环节,因为辩证的否定___

否定之否定规律___

事物发展的周期性体现了___

直线论的错误在于只看到___

循环论的错误在于___

对立统一规律揭示了___

唯物辩证法的实质和核心是___

辩证法所说的矛盾是指___

矛盾的基本属性是___

依据是___

矛盾问题的精髓是___

题的方法都是___

“任何个别（无论怎样）都是一般”。这句话的正确含义是___

在唯物辩证法看来，水果同苹果、梨、香蕉、桔子等的关系是___

“是就是是，不是就是不是，除此之外都是鬼话。”这是一种___

真象和假象的区别在于___

有的哲学家说，在大风扬起的尘土中，每一粒尘土的运动状况都是纯粹必然的。这是种___

“或然率”是指___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What does the author think of the 2015 report by the Census Bureau?___