【判断题】
银团贷款参加行进行表外贷款发放，并将贷款金额从本息暂挂账号转账至借款人的活期存款账户。
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相关试题
【判断题】
银团贷款本息暂挂账号必须在协议录入前先开立，为内部账号。如果银团贷款的参加行有多个最好分别开立账号。
【判断题】
银团贷款如果代理行划回的金额与我行计提利息金额不符，先做利息调整再做还款。
【判断题】
银团贷款参加行贷款的还款只能用转账归还，不能用现金归还。
【判断题】
T、银团贷款还款，允许只操作一家成员行或只归还一部分欠款。
【判断题】
如果银团贷款发放进行冲账，必须所有成员行全部冲账，参加行的贷款不仅要冲贷款发放(用贷款模块3008-贷款冲账交易)，还要冲联动的转账交易（用存款模块2912-冲账交易）。
【判断题】
如银团贷款需要还款，则同一合同号下的所有成员行可分开归还。
【判断题】
我行只作为参加行的银团贷款，代理行支付来的利息如与我行计提不一致时，应先做利息调整后再进行还款。
【判断题】
银团贷款发放后必须通过交易在银团协议中维护贷款账号。
【判断题】
银团代理行是指银团贷款合同签订后，按相关贷款条件确定的金额和进度归集资金向借款人提供贷款，并接受银团委托按银团贷款合同约定，进行银团贷款事务管理和协调活动的银行。
【判断题】
循环贷款授信有三种状态可以维护：全额冻结、全额解冻以及授信收回。
【判断题】
循环贷款借款人可持兰花卡借款网点以转账、现金等方式归还贷款本金。
【判断题】
账户状态为“正常”、“今日开户”允许放款，属性为“正常”、“止付-存款证明”、代发账户、网银、手机银行、、冻结、止付属性等都允许放款。
【判断题】
自动循环贷款还款系统每天EOD自动处理，如果卡号内有余额会每天批扣，以归还欠款、提前归还本金或一笔笔从最早的顺序结清贷款。
【判断题】
循环贷借款人约定的卡账户上有存款又有透支余额，先还当日借款，逐笔结清尚未结清的借款。
【判断题】
对于归还当日借款的冲账，“贷款/透支账号”需要输入贷款账号；对于还款的冲账，“贷款/透支账号”需要输入透支账号。
【判断题】
循环贷款借款人授信到期或指定结算账户需结清时，必须利随本清。
【判断题】
循环贷款在授信期间执行浮动利率，由总行根据市场变化和国家利率政策变动等综合因素确定并适时发布利率区间。
【判断题】
业主循环贷款的兰花卡/金融IC卡挂失支付，贷款授信额度将自动冻结。
【判断题】
非自动循环贷的模式下借款人贷款发放、归还由均需本人通过柜面、手机银行、网上银行渠道申请操作，系统不再作为自动透支可用或自动还款处理。
【判断题】
业主循环贷款授信绑定为兰花卡账号，非卡号。
【判断题】
循环贷款的担保方式包括抵押、质押、法人机构或自然人保证等，信用优良的可以给予信用贷款
【判断题】
循环贷款查询交易针对已经发放的循环贷款进行查询，当日透支的信息不在本交易查询。
【判断题】
无论交易类型是“全额冻结”、“全额解冻”、还是“收回”，输入的金额是使用的授信额度。
【判断题】
循环贷款授信是指经过信贷部门的审批，客户获得银行一定的贷款授信额度后，可以在授信期限内分次提款、循环使用，在支取不超过可用额度的单笔款项时，不用再次审批。
【判断题】
借款人可以对当日借款进行柜面还款，无论归还金额多少，日终计算机系统仍会给借款人发放贷款
【判断题】
循环贷款授信业务，可以通过冲账交易做授信收回。
【判断题】
贷款未全部结清，系统能做“收回”操作。
【判断题】
循环贷款在授信期间执行固定利率，由总行根据市场变化和国家利率政策变动等综合因素确定并适时发布利率区间。
【判断题】
循环贷还款借款人只能持兰花卡到发放贷款网点柜台以转账、现金等方式归还贷款本金。
【判断题】
业主循环贷担保合同必须为最高额担保合同。
【判断题】
兰花卡在业主循环贷授信有效期内可以存在理财业务、三方存管、贵金属代理、基金业务、批量代扣、约定转存、支付宝卡通等业务绑定关系。
【判断题】
每个签订循环贷款授信协议的客户可能会同时拥有多个贷款账号。
【判断题】
借款人授信到期或指定结算账户需结清时，必须利随本清。
【判断题】
部分贷款逾期或者连续欠息三个月以上，系统自动冻结总授信额度
【判断题】
业主循环贷签约卡可以办理ETC相关业务。
【判断题】
循环贷的授信状态为“全额冻结”时，如果有当日借款发生的，可以归还当日借款。
【判断题】
贷款核销及收回的当天，均可进行冲正交易。
推荐试题
【单选题】
Q2: What is the woman going to do this weekend?___
A. To go sailing .
B. To go surfing .
C. To go to the beach .
D. To go to her nephew's .
【单选题】
Q3: What does the woman love doing?___
A. Going to visit relatives.
B. Enjoying the warm sun on the beach .
C. Building sand castles with her niece and nephew .
D. Playing in the sand and jumping in the waves .
【单选题】
Q4: What does the man remember doing with his brothers?___
A. Surfing in the sea .
B. Collecting seashells .
C. Building sand castles .
D. Jumping in the waves .
【单选题】
Q1: According to the survey, what percentage of British adults watched TV in theirfree time?___
A. 89 percent .
B. 84 percent .
C. 76 percent .
D. 71 percent .
【单选题】
Q2: Which age group would be the most likely to visit their friends and relatives?___
A. People aged 16 to 24
B. People aged 25 to 34 .
C. People aged 16 and over .
D. People aged 55 and over .
【单选题】
Q3: What does the speaker say about listening to music as a leisure activity for British people?___
A. People aged 16 to 24 preferred listening to music most .
B. It was getting more and more popular among the British people .
C. It was the third most popular activity among people aged 55 and over .
D. People aged 25 to 34 listened to music more often than those aged 16 to 24 .
【单选题】
Q4: According to the survey, how are leisure activities related to age?___
A. Older people go out to pubs more often . frequently .
B. Younger people go to the cinema less frequently.
C. Older people spend more time reading and gardening .
D. Younger people spend less time visiting friends and family .
【单选题】
Q1: Why was the girl excited?___
A. She is going to have a lot of vanilla ice cream .
B. She won the spelling competition at her school .
C. She is going to the state capital for a competition .
D. She "excellence"correctly,but others didn't .
【单选题】
Q2: What happened when the man was 13 years old?___
A. His family moved to Sacramento to settle down .
B. His family bought him a new suit and a new tie .
C. He went to Sacramento for a spelling competition .
D. He won the first prize in the state spelling competition .
【单选题】
Q3: Why did the man’s mom give him a big hug?___
A. To make him feel better after he lost the first prize .
B. To apologize for not buying him some ice cream .
C. To wish him good luck in the next competition .
D. To congratulate him on winning the first prize .
【单选题】
Q4: What color is the girl going to wear for her next competition?___
A. Red .
B. Blue .
C. Green .
D. Yellow .
【单选题】
Q1: What is this passage mainly about?___
A. Superstitions and science .
B. Tips on how to have good luck .
C. Superstitions in the United States .
D. Rational and superstitious societies .
【单选题】
Q2: According to the passage, what is considered as bad luck?___
A. Walking under a ladder .
B. Dreaming of a black cat .
C. Hanging a mirror in the house .
D. Stepping on one's own shadow .
【单选题】
Q3: Why is it considered bad luck to see a black cat crossing one’s path?___
A. Because black cats look like witches . e witches .
B. Because black cats were thought to be witches .
C. Because black cats bring seven years of bad luck .
D. Because black cats are hard to notice in darkness .
【单选题】
Q4: According to the passage, what will bring people good luck?___
A. Breaking a mirror on purpose .
B. Catching a falling leaf on one's birthday .
C. Finding a on the ground and picking it up .
D. Dreaming of blowing out the candles in one blow .
【单选题】
Q1: How long will the woman spend on her way to and from work by high-speed train?___
A. 4 hours .
B. 2 hours .
C. 1.5 hours .
D. 45 minutes .
【单选题】
Q2: When does the woman arrive back home by subway?___
A. At 8 .
B. At 7 .
C. At 6 .
D. At 5 .
【单选题】
Q3: According to the woman, in what way will the new high-speed train be a big help to her?___
A. She can either read or rest a little on the train .
B. She can read and respond to emails onthe train .
C. She can travel to many different parts of the city .
D. She can go shopping on her way home from work .
【单选题】
Q4: How will the new high-speed train affect the man?___
A. He can take the train to the old part of the city .
B. He can save a lot of money when he takes the train .
C. He can save 20 minutes to go to work with the train .
D. He can take the train to the airport instead of driving .
【单选题】
Q1: How much time on average do Americans spend on their way to work?___
A. About an hour .
B. More than an hour .
C. About half an hour .
D. More than one and a half hours .
【单选题】
Q2: What is the present situation about Americans’ commuting to work?___
A. More and more Americans spend over an hour getting to work .
B. Over 10 percent of Americans spend less than an hour getting to work .
C. Only New York people spend more than 90 minutes getting to work .
D. Over 10 percent of Americans spend more than 90 minutes getting to work .
【单选题】
Q3: Why does Steven choose to have an extreme commute?___
A. Because gas prices are not high .
B. Because the commute is not tiring .
C. Because he can attend a better school .
D. Because he can have his favorite lifestyle .
【单选题】
Q4: Which of the following is the disadvantage of long commutes?___
A. Traffic jams .
B. Expensive housing .
C. Poorer life quality .
D. A tiring and boring trip .
【单选题】
Q1: What did Katy like about Jason’s last Halloween party?___
A. She liked playing an interesting game .
B. She enjoyed seeing many of her old friends .
C. She enjoyed wearing her Halloween costume .
D. She liked the decorations in Jason's front yard .
【单选题】
Q2: What is the actual reason that Katy doesn’t want to attend Jason’s party?___
A. None of her friends likes Jason .
B. None of Jason's guests is young .
C. She wants to go to Linda's party ..
D. She went to Jason's party last year .
【单选题】
Q3: What is special about Linda’s party?___
A. The party will last four hours .
B. Six people will attend the party .
C. They will have huge bags of candy .
D. They will play a new game called "GuessWho ".
【单选题】
Q4: What will Katy do to solve her problem?___
A. Go to Jason's party .
B. Go to Linda's party .
C. Attend both Jason's and Linda's parties .
D. Celebrate Halloween with her parents .
【单选题】
Q1: What is special about this year’s Black Friday shopping?___
A. Some stores offered bigger holiday discounts .
B. Some stores provided more choices of nightlife.
C. Some stores made efforts to attract young people .
D. Some stores opened much earlier than they used to .
【单选题】
Q2: Why did some stores open at midnight on Thanksgiving night?___
A. To attract young customers .
B. To beat other stores for sale.
C. To let people sleep late the next day .
D. To keep people stay up for the night .
【单选题】
Q3: How many Black Friday shoppers were reported to go to the shops at midnight this year?___
A. 24 percent .
B. 37 percent .
C. 9.5 percent .
D. 23.5 percent .
【单选题】
Q4: What can we learn about the 15-year-old Jenny?___
A. She and her cousins went back home at midnight .
B. She liked the traditional 4 a.m. Black Friday.
C. She preferred midnight shopping to early morning shopping .
D. She and her cousins got up very early to buy discounted items .
【单选题】
Q1: Why did the woman decide to do a triathlon?___
A. Because she did it in college .
B. Because she wanted to be tough .
C. Because her sister did it and liked it .
D. Because her sister said it was good for her .
【单选题】
Q2: When did the man first do a triathlon?___
A. Last year .
B. In college .
C. Last week .
D. In high school .
【单选题】
Q3: How does the man feel about running?___
A. Boring.
B. Scaring .
C. Exciting .
D. Interesting .
【单选题】
Q4: Why doesn’t the woman like swimming in the triathlon?___
A. Because she fears that a big fish might eat her .
B. Because she fears that she would get lost in lakes .
C. Because she doesn't want to scare away small fishes .
D. Because she doesn't like swimming with many people .
【单选题】
Q1: What is the ratio of positive to negative emotions that can make a person happier?___
A. 1:3.
B. 3 :1.
C. 1 :10 .
D. 10 :1.
【单选题】
Q2: What is the most exciting finding about increasing positive emotions?___
A. It improves relationships .
B. It leads to greater success .
C. It helps develop creativity .
D. It contributes to good health .
【单选题】
Q3: What does the speaker say about negative feelings?___
A. People should turn every negative feeling around .
B. Negative feelings can sometimes have positive effects .
C. Negative feelings often cause people to make mistakes .
D. People should never show negative feelings in public places .
【单选题】
Q4: What is the main idea of the passage?___
A. People should learn to manage their emotions .
B. People should be patient with their negative feelings .
C. People should learn to analyze causes of unhappiness .
D. People should identify as many positive feelings as possible .
【单选题】
Q1: What are the man and woman talking about?___
A. Whether nature is magical and kind .
B. Whether nature is powerful and full of risks .
C. Whether Christopher was well prepared for the trip .
D. Whether Christopher's trip to Alaska was worthwhile .
