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公司客户申请开立一般存款账户，若已在分行辖内网点开立基本账户，开户行在办理时无需审核开户资料，只需核对客户提供的开户资料与基本户录入资料是否一致
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公司客户营业执照注册地非深圳市时，开户行可委托异地中行见证核实
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对于法定代表人（单位负责人）未亲自到场由被授权人办理相关开户手续的，应通过法定代表人（单位负责人）在我行预留联系方式进行电话核实开户意愿真实性
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根据规定，代理开立的借记卡，应将卡片置于未激活状态，并告知需持卡人本人持有效身份证件办理激活
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受理对私业务大额交易时，对代办需审核代理人与账户人双方有效身份证件，并与账户人进行电话核实，做好核实记录
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受理对公结算业务时，依据监管规定，各行应建立对公客户大额查证制度，与客户建立两个以上主管热线联系人；如客户只预留一个热线查证联系人，须由客户提出书面申请并说明理由
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对于企业同名账户之间资金划转、与客户签订的协议办理划款、购付汇支出、涉及保密需要的军队武警发生的支付业务等以上柜面大额交易业务，如未发现交易异常或可疑情形的，可免于大额交易热线查证
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派驻业务经理应监督查证人员与客户约定的大额交易有权确认人进行热线查证，并予以确认
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代办大额交易中，电话核实中的手机号优先使用代办人提供的手机号
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同一网点为客户办理单笔或同时办理多笔大额转账汇款交易累计金额超过等值1000万元（不含），须由管辖支行指定财运部大额交易核实人员与账户人进行电话核实
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在办理大额交易热线查证时，业务经办人员与查证、登记人员岗位需分离
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涉及保密需要的军队武警发生的柜面大额交易业务可直接免于大额交易热线查证
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银行承兑汇票到期收款如无异常或可疑情形可免于大额交易热线查证
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各业务部门和机构要按照“谁的客户谁负责”的原则，完善实施细则，做好客户端尽职调查
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对于代理行发送的反洗钱查询，业务发起机构不需要确保对跨境汇款代理行查询回复及时性
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对于临时客户在监管限额下频繁办理现金交易，单笔现金交易金额较大，只要客户出示身份证即可办理
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对于我行私行级以上的客户家属过来办理临时业务，可不必开展身份识别，并在核心创建临时客户号
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客户可持临时身份证在我行创建临时客户号
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对于未在我行开立账户的客户，不需开展身份识别，也不需记录客户信息即可开展业务
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临时客户频繁在我行开立或兑付连号票据的，不需加强开展尽职调查
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未经授权机构不得开办银行承兑汇票承兑业务
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以存单作质押，应到存款行将单位存款证实书置换为单位活期存单，并办理存单冻结手续
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客户办理电子商业汇票业务，需与我行签署服务协议，开通网上银行电子相关服务功能
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严禁通过虚假宣传、承诺收益等方式诱导客户购买我行理财产品
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客户购买理财做风险评估后，发现客户购买与其风险承受能力不匹配的理财产品，客户在购买单据上注明“本人知悉理财产品风险，同意购买与风险测评不符的理财产品”字样并签字确认后，可以为客户办理
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承兑汇票保证金账户须严格监管，专款专用。承兑汇票未到期，不得向承兑申请人提前释放承兑保证金账户款项
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承兑汇票保证金需于承兑前缴存，只能以现金和汇款形式缴存，但不得以存单、国债、理财产品等形式替代
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规范手工业务操作，经办人员须严格按照操作流程要求办理手工业务，同时须提供完整支持性材料（如相关部门授权材料、客户合同等）
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对于BGL账户非金融类交易，账户状态的变更，解冻和冻结审批权限相同。具体是：经发起机构经办、发起机构复核、运营控制部经办审批
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对私存款账户已付利息调增，5万（不含）以下，网点及管辖行发起，经发起机构经办、发起机构复核、不需管辖支行财务运营内控部复核审批
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国际卡还款暂收，无论金额大小，经发起机构经办、发起机构复核审批，销账：5万（含）以下，经发起机构经办、发起机构复核审批
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对公跨行柜台转账汇款手续费的隔日冲正（180天内）需在STS操作办理
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柜员在STS系统叙做暂付款项销账或暂收款项挂账时，如对转方为9991BGL账户，也应先确认头寸已转入9991BGL账户，即将9991贷记交易的报文、流水等打印后扫描至STS系统作为该笔交易的附件
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分行9991001业务范围准入将统一采取严格的总行准入流程
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未在清单准入范围内的手工计结息业务发起，需履行条线主管部门的事前审批手续
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STS系统涉及的用户角色信息包括两类，即STS系统柜员角色和STS系统外围角色
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For years, scientists have debated the ___ dangers of building another nuclear plant after the terrible accident.
A. available
B. potential
C. fascinating
D. genuine
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It was a worthwhile attempt ___ it failed to achieve its purpose that we had hoped for.
A. in the end
B. now that
C. all at once
D. even though
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Travel in space can be very exciting; ___, it can also be boring and lonely at times.
A. so
B. however
C. thus
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Politicians should not ___ in business affairs that might affect their political judgment.
A. engage
B. embrace
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I wish to ___ a master’s degree in electric engineering after I graduate from college.
A. pledge
B. explore
C. pursue
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There is no greater importance ___ cultivating independence in children.
A. in
B. than
C. of
D. with
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He has made it very clear ___ we should observe the new rules.
A. what
B. which
C. those
D. that
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It was when I read his letter ___ I realized he had given me huge help.
A. that
B. then
C. before
D. after
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Don’t worry too much, Jane. Your son ___ home already. Let’s go back and check it out.
A. returned
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I believe friendship is an essential element of making a healthy, ___ life.
A. flexible
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___ they have written about the behaviors of animals is hardly anything new.
A. That
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No other drugs are as good as this one; it must have been based on a(n) ___ formula (配方).
A. enormous
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Mothers tend to be too ___ toward their children. They should let them see more of the worl D.
A. hopeful
B. protective
C. modest
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The investigation ___ evidence of a large-scale illegal trade in wild birds.
A. uncovered
B. outweighed
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Poor Laura! I feel so sorry for her. When she fell, she hurt her arm and, ___, broke her glasses.
A. in advance
B. in addition
C. over time
D. on the other hand
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Showing some sense of humor can be a(n) ___ way to deal with some stressful situations.
A. genuine
B. available
C. effective
D. favorite
【单选题】
It will be worth the efforts even if you fail; the rewards you ___ will be great.
A. reap
B. boast
C. assure
D. cultivate
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He suggested transporting the supplies by air. But it is absolutely ___, for it will cost too much.
A. unusual
B. uncertain
C. impractical
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The newspaper didn’t mention the ___ of the damage caused by the fire.
A. range
B. level
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Do you ___ her novels as serious literature or as mere entertainment?
A. classify
B. notify
C. simplify
D. justify
【单选题】
He doesn’t ___ of buying a house this year because the bank has refused to lend him any money.
A. afford
B. make the most
C. run out
D. stand a chance
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If you don’t ___ cooking today, we can go out to eat at the new restaurant.
A. would like
B. go on with
C. feel like
D. figure out、
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Bullying (恃强欺弱) can ___ a climate of fear and anxiety in school, and prevent students from focusing on their schoolwork.
A. keep back
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C. feel like
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Science can now ___ many things which were thought to be mysterious by ancient people.
A. care for
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C. account for
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The school has ___ many after-class activity groups for the pupils to make their spare time more colorful.
A. set up
B. set off
C. set out
D. set down
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When he was a small kid, he ___ from his peers because he could read fast and remember whatever he rea D.
A. showed off
B. worked out
C. stood out
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The fall in the number of deaths from heart disease is generally ___ improvements in diet.
A. put up with
B. attributed to
C. added to
D. replaced with
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We can be partners for now, but ultimately you have to ___ to develop a new software for our project.
A. keep up
B. fire off
C. make sense
D. take the lead
【单选题】
Emotional Intelligence (情商) could be of practical use in many ___ such as how companies decide which job applicant to hire, how parents should raise their children, how schools should teach the students, and so on.
A. aspects
B. disciplines
C. structures
D. opportunities
【单选题】
The teacher should praise students for their correct answers and also suggest ___ possibilities.
A. unlimited
B. unique
C. alternative
D. essential
【单选题】
In some classrooms, desks are arranged in a U-shape, so the teacher can ___ easily with the students.
A. interrupt
B. interact
C. interpret
D. interview
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Computer technology ___ individuals to educate themselves and adapt to a constantly changing job market.
A. lets
B. makes
C. enables
D. provides
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Our hope for an enjoyable dinner was instantly ___ when the waiter dropped a salad plate on my hea D.
A. spoiled
B. restricted
C. exploded
D. vanished
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___ the world has ever seen has occurred in the information and communications technologies.
A. Great a change
B. The great change
C. A greatest change
D. The greatest change
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___ so many people around, it wasn’t convenient to have a long talk with him.
A. As
B. When
C. With
D. Since
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Alice used to be terribly shy, but working abroad for a year has completely ___ her.
A. solved
B. transformed
C. characterized
D. regulated
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Chinese Mandarin (普通话) is ___ for foreigners to learn because the changes in the tone will totally change the meaning of words.
A. difficult
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C. competitive
D. easy
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Take action on those things that will have the biggest ___ impact on your life with the least amount of effort.
A. portable
B. positive
C. sophisticated
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The adoption of this measure will greatly reduce the ___ of greenhouse gas emissions (排放物), which may help slow global warming.
A. loan
B. decline
C. release
D. response
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I think I have a healthy lifestyle. I eat a lot of fruit and vegetables, and I’m a ___ drinker.
A. moderate
B. heavy
C. gradual
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