【判断题】
柜员密码在有效期的最后一天，系统会强制柜员修改其密码，如不及时更换，系统将拒绝柜员登录
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出票社在办理签发银行汇票业务的过程中必须严格执行“印、押、证”分管制度
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汇票未按照规定期限提示承兑的，持票人丧失对其前手的追索权
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对通存通兑过程中出现的各类差错，遵循以开户方为准的原则，由计算机系统结合人工干预进行处理
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教育储蓄是零存整取储蓄存款的一种形式，开户时储户应与储蓄网点约定每月固定存入金额，分月存入
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一个机构每日只作一次机构签到，不准重复签到
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尾箱编号与柜员编号是独立相关的，是主要考虑到尾箱可以交接的因素
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信用社管理人员共同查库的只算一次，不能重复计算
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综合业务系统能够打印的相关账簿和登记簿，可以取消手工登记
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后，将贷款资金直接支付给借款人交易对象，并应做好有关细节的认定记录
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办理个人贷款时，贷款人应要求借款人必须当面签订借款合同及其他相关文件
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对确实无法收回的不良流动资金贷款，贷款人按照相关规定对贷款进行核销后，应立即进行市场化处置
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合同约定专门固定资产贷款发放账户的，仅贷款发放通过该账户办理
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固定资产贷款发放和支付过程中，贷款人应确认与拟发放贷款同比例的项目资本金足额到位，并与贷款配套使用
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流动资金贷款不得挪用，不得用于国家禁止生产、经营的领域和用途
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对未获批准的个人贷款申请，贷款人应告知借款人
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汽车金融公司发放的个人贷款暂不适用《个人贷款管理暂行办法》
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贷款人应根据贷审分离、分级审批的原则，建立规范的流动资金贷款评审制度和流程，确保风险评价和信贷审批的独立性
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全额保证金类质押项下的固定资产贷款，可不执行《固定资产贷款管理暂行办法》
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根据《固定资产贷款管理暂行办法》，当借款人违反合同约定，以化整为零方式规避贷款人受托支付时，贷款人应与借款人协商补充贷款发放和支付条件，或根据合同约定停止贷款资金的发放和支付
【判断题】
贷款人应将固定资产贷款纳入对借款人及借款人所在集团客户的统一授信额度管理
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贷款人应根据经济运行状况、行业发展规律和借款人的有效信贷需求等，合理确定内部绩效考核指标，不得制订流动资金贷款规模指标
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贷款人应建立健全内部审批授权与转授权机制；审批人员应在授权范围内按规定流程审批流动资金贷款，不得越权审批
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在风险可控、金额较小的前提下，贷款人可以发放无指定用途的个人贷款
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《个人贷款管理暂行办法》规定，按合同约定办理抵押物登记的，贷款人应当参与
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多家银行业金融机构参与同一项目融资的，原则上应当采用银团贷款方式
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专门的贷款发放账户是指为监督控制贷款资金而开立的办理贷款资金发放与支付的账户。专门的贷款发放账户特指《人民币结算账户管理办法》中的“专用账户”，不是“一般结算账户”
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商业银行风险管理的目标并不是要完全消除风险，而是将风险控制在可承受范围的基础上，尽量争取收益/风险的有效性
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违约概率和违约频率都是用来衡量信用风险的，都是对信用风险的事后检验的结果，一般说来两者应该相等
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压力测试主要采取的方法是敏感性分析和情景分析，敏感性分析着重分析特定风险因素对组合或业务单元的影响，情景分析则是评估所有风险因素变化的整体效应
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贷款定价所包含的成本包括资金成本、经营成本、风险成本和资本成本。资本成本主要是指商业银行的股权成本，资金成本主要指商业银行负债的债务成本
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KPMG风险定价模型的核心思想是假设金融市场中的每个参与者都是风险中立者，不管是高风险、低风险或是无风险资产，只要期望收益率相等，市场参与者对其接受态度就是一致的
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贷款定价中的风险成本是用来抵消非预期损失的
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市场风险主要包括利率风险、汇率风险、股票价格风险和商品价格风险，这几种风险往往是相互交织，互相影响的
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公允价值是指在评估基准日，自愿的买卖双方在知情、谨慎、非强迫的情况下通过公平交易资产所获得的资产的预期价值
【多选题】
公告的主要特点是___
A. 公布范围的广泛性
B. 郑重宣告的庄重性、严肃性
C. 法定作者的限定性
D. 内容明确、具体
【多选题】
标注公文的主送机关可使用___。
A. 全称
B. 简称
C. 同类机关统称
D. 规范化简称
【多选题】
公文对语句的基本要求是___。
A. 含义明确、清晰、完整、便于准确理解无歧义
B. 句子成分搭配得当
C. 可以隐去句子中的必须有的成分
D. 改变语序安排
E. 创造新颖句子
【多选题】
下面句子有语病的是___。
A. 会议是在酷热的气温中召开的
B. 这样的活动乐意使农民接受
C. 这个季度亏损减少了两倍
D. 三个质量管理小组分获一、二、三等奖，奖金额分别为1000元、800元、500元
E. 这是一个很好的报告，它能引人深思，促人猛醒，催人奋进
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【单选题】
-How about going fishing?___, I have no patience for that.
A. Excuse me
B. Sorry
C. Pardon
D. Apologize
【单选题】
- Thanks for the lovely and delicious food______.
A. No thanks
B. Never mind
C. All right
D. My pleasure
【单选题】
－ Haven't seen you for ages. Let's have a get-together next week._____
A. Great idea.
B. Welcome!
C. Yes, of course.
D. No, thanks.
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- Do you mind if I switch off the radio? ______. Go ahead.
A. Never mind
B. No way
C. No, not at all
D. No, you'd better not
【单选题】
- Could I use your bike for a moment? ___
A. It's well.
B. It doesn't matter.
C. By all means.
D. I have no idea.
【单选题】
-How do you like the story?_______.
A. I'd like to read it
B. I like it very much
C. fine, thank you
D. It's very interesting
【单选题】
- I'll sorry to trouble you.______.
A. Don't say so
B. OK
C. It doesn't matter
D. That's fight
【单选题】
- We ordered 20 boxes of your products, but we have only got 19. - ____
A. You do not have to.
B. It does not matter.
C. We will send another tomorrow.
D. Nothing serious.
【单选题】
--Will you please give the note to him? _________.
A. Certainly, I'll give it to him
B. No, please not
C. Sorry, I don't
D. Yes, please do
【单选题】
- Thank you ever so much for your lovely gift____
A. Never mind
B. I'm glad you like it.
C. Please don't say so.
D. No, It's not so good.
【单选题】
- I'd like to invite you to dinner this Saturday, Mr. Smith.____
A. Oh, no. let's not.
B. I'd rather stay at home.
C. I'm sorry, but I have other plans.
D. Oh, no. That'll be too much trouble.
【单选题】
- Could you please open the window?____
A. I can't.
B. Go ahead.
C. Sure.
D. It's really very kind.
【单选题】
- Do you think I can borrow your bike for a few hours?____
A. I'm afraid you can.
B. I'm sorry, but I really need it this afternoon.
C. Yes, I don't think so.
D. I'll think about it later.
【单选题】
- Thank you very much for the dictionary you sent me.____
A. No thanks.
B. I'm glad you like it.
C. Please don't say so.
D. No, it's not so good.
【单选题】
- How do you like the movie we saw yesterday?____
A. You are welcome.
B. How about you?
C. I've never seen a better movie than it.
D. It is very expensive.
【单选题】
- What do you think of your new teacher____
A. He came to teach us last week.
B. He teaches us English.
C. He has two children.
D. He is very nice.
【单选题】
- Are you going to have a holiday?____
A. Not until next week.
B. Three weeks ago.
C. To Beijing.
D. I'm pleased to hear that.
【单选题】
- You seem to be lost. Need help? ____
A. Yes, would you please help me with the bag?
B. Help me find my key, please.
C. Yes, with pleasure.
D. I'm looking for Zhongshan Road.
【单选题】
- Can you help me clear up the mess____
A. Yes, it doesn't matter.
B. No, that's OK.
C. Yes, help yourself.
D. No problem.
【单选题】
- Does No.20 bus stop at our school?____
A. I go to school by bus.
B. I'm afraid not.
C. You are welcome.
D. I'll not take No.20 bus.
【单选题】
- Can I help you? ____
A. Sorry, I don't need your help.
B. What help can you give us?
C. I'd like to try on these shoes, please.
D. Thanks. You are welcome.
【单选题】
- Sorry to have kept you waiting. ____
A. That's OK.
B. What are you doing?
C. What's wrong with you?
D. Where have you been?
【单选题】
- What is she?____
A. She is a typist.
B. She is talking to her friend.
C. She is having a holiday.
D. She is my sister.
【单选题】
- That's a beautiful cat. I wonder who it belongs to.____
A. It belongs to the
B. rowns. B.The cat is my favourite too.
C. Mind your own business.
D. I can't say anything more.
【单选题】
- Excuse me, could you tell me the time____
A. You'd better buy a watch.
B. It's three thirty by my watch.
C. Can you see the clock?
D. It's late I think.
【单选题】
- What do you think of the movie we saw last night?____
A. The actress is bad.
B. Terrific!
C. The theatre is bad.
D. Nobody was there.
【单选题】
___ No, thanks. I'm just looking around. I'll let you know if I want anything.
A. Could you help me?
B. What will you buy?
C. Can I help you?
D. Do you like to look around?
【单选题】
- Hello, Peter. What do you do?____
A. I am fine.
B. I am not sick.
C. I am a student from Bonn University.
D. I came from Bonn University.
【单选题】
-Excuse me; can I have a seat here?___
A. Be hurry.
B. Come on.
C. Yes, please.
D. Do you mind?
【单选题】
- Shall we sit up here on the grass or down there near the water?___
A. I'd rather stay here if you don't mind.
B. Sorry, I don't like neither.
C. Certainly, why not？
D. Yes, we like these two places.
【单选题】
- What do you do on Sunday?___
A. I 'm a teacher.
B. I play football.
C. You are a student.
D. They clean rooms.
【单选题】
- Our class won the girls' relay race in our school's sports meeting.___
A. That's right.
B. Thanks a lot.
C. Congratulations!
D. It's a pleasure.
【单选题】
- Hi, is Mary there, please?___
A. Hold on. I'll get her.
B. No, she isn't here.
C. Yes, she lives here.
D. Yes, what do you want?
【单选题】
- I am afraid I can't return the book to you before Friday. ___
A. Don't be afraid
B. Be careful
C. Not at all
D. Take your time
【单选题】
- I really don't know how to thank you enough. ___.
A. No problem
B. Think nothing of it
C. Not at all
D. It doesn't matter
【单选题】
- Must I be home before seven? ___.
A. No, you needn't
B. No, you mustn't
C. Yes, you will
D. No, you won't
【单选题】
-I'm sorry to hear that you failed in the exam______.
A. Not at all
B. Oh, thank you.That's very kind of you
C. You are welcome
D. Yes, I'm really sorry
【单选题】
-I will,______.
A. that's all right
B. thank you
C. all right
D. not at all
【单选题】
-Hello, may I speak to Zhao Hua?_____.
A. My name is Zhao Hua
B. I'm Zhao Hua
C. This is Zhao Hua speaking
D. Zhao Hua is me
【单选题】
___This is Mr Smith speaking now.
A. Who are you
B. Who is that
C. Who are you calling
D. What do you want to say
