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?___

我行同意赔付时，若保证金账户和其他存款账户资金不足以支付保函担保的债务，不足部分由我行垫付，并于垫付当日转入垫款，计收罚息。

选择“履约付款”时，输入履约付款金额、申请人账号，回显户名。转入收益科目默认为“26200502”，转入收益户名默认为“保函国内证暂挂账户”,且可以修改。

履约付款时先支付保证金再支付结算帐户，若保证金销户时金额大于履约付款金额，则剩余部分返回申请人账户。

非减值贷款归还欠款顺序为先还息再还本，减值贷款归还顺序为选还本再还息。

欠款顺序的调整可以由客户提出申请，不需要信贷系统审批通过。

贷款维护是指对已审批的贷款借据进行维护修改。

利率维护后当天晚上批处理EOD时生效。

当天做过提前还本，当天可以再进行变更自主还款计划。

还款账号可作变更/新增/删除，一个贷款最多可关联两个还款账号。

当天做过提前还本，当天不能变更自主还款计划。自主还款计划变更后当天可做提前还本，有欠款情况下允许自主还款计划变更。

按揭还款方式变更支持等额本息按月与等额本金按月互换，等额本息按季与等额本金按季互换。但在变更前如有欠款，也无需先将欠款归还。

贷款宽限期限的修改可以由客户提出申请，不需要客户经理在信系统审批通过

利率维护后隔天批处理EOD时生效。

按揭还款方式变更前如有欠款，需先将欠款归还。

柜员可以根据客户的需求，调整利息欠款、罚息欠款、复利、本金欠款、费用欠款的还款先后顺序。如调整后将一直延用新的欠款顺序进行扣款。

自主还款计划变更可以由客户提出申请，需要经客户经理在信系统审批通过。

预收本息签约，“月预收金额”即预扣本息日（工资发放日）冻结金额，不得小于“月还款金额”。

预收本息签约需要客户委托我行代发工资同时在我行开立需要预扣本息的贷款。

预收本息签约时，一笔借据可以关联多个签约存款账户，一个签约存款账户只能关联一笔借据。

预收本息签约时一笔借据只能关联一个签约存款账户，一个签约存款账户可以关联多笔借据。

在工资发放日进行资金冻结时，如果还款账户余额不足，系统只冻结当前余额。

如果签约账号/卡号不是该借据号的还款账号，需要在“3004借据查询维护”交易中将签约账号/卡号维护为该借据号的第一还款账号。

预收本息签约仅支持还款方式为等额本金按月以及等额本息按月的贷款。

贷款结清后的EOD会自动处理预收本息解除关系，但已冻结的金额要到贷款月还款日才会解冻。

预收本息签约，必须为本人或者监护人以及法定代表人办理。

资产卖断买方转入账号为银行内部账号，做此交易前，需先将卖断资金汇入卖方转入账号。

资产卖断业务查询交易支持单笔查询和批量查询。

资产卖断业务查询交易只能对本网点内资产卖断业务的查询。

资产卖断时，买方转入账号为客户账号，做此交易前，需先将卖断资金汇入买方转入账号。

资产卖断交易完成后不得冲账。

仅限于对当日进行的资产卖断交易冲账。（

自信贷资产转让之日起，我行在原贷款合同项下所转让资产的相应权利义务由受让方承担，贷款风险亦由受让方承担。

资产卖断是指我行与经认可的交易对手开展的以存量贷款合同为基础、以认可的信贷资产为标的、经我行与交易对手协商后签署信贷资产买卖合同，以约定的价格、在约定的期限内卖出相应信贷资产的行为。

资产卖断交易需要信贷审批，系统校验贷款性质、卖断金额是否与信贷审批一致。

柜员凭有权审批人签批的资产卖断业务申请书进行资产卖断记账处理。

资产卖断冲账必须凭相关有权人签署的冲正审批单进行冲正交易。

资产卖断冲账需主办会计授权

四十、抵债资产处置方式为“变现”时，处置挂账账户输入“10100101”。

抵债资产登记操作，“登记费用”字段不产生账务，只是登记，但后续处理贷款时的输入的支付费用不能超过登记费用。

收取抵债资产处理中，还贷金额与费用金额之和大于等于抵债资产余额。