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【判断题】
根据贷款通则,对实行整体股份制改造的借款人,应当明确其所欠贷款债务由改造后公司全部承担;对实行部分股份制改造借款人,应当要求改造后的股份公司按占用借款人的资本金或资产的比例承担原借款人的贷款债务
A. 对
B. 错
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按照《物权法》的规定,同一动产向两个以上债权人抵押的,当事人未办理抵押物登记,实现抵押权时,各抵押权人按照债权比例受偿
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抵押权可以与债权分离而单独转让或者作为其他债权的担保
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经当事人书面协议,企业、个体工商户、农业生产经营者可以将现有的以及将有的生产设备、原材料、半成品、产品抵押,债务人不履行到期债务或者发生当事人约定的实现抵押权的情形,债权人有权就实现抵押权时的动产优先受偿
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财产抵押后,该财产的价值大于所担保债权的余额部分,不可以再次抵押
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对确实无法收回的固定资产不良贷款,贷款人按照相关规定对贷款进行核销后,可不继续向债务人追索或进行市场化处置
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借款人因暂时经营困难不能按期归还固定资产贷款本息的,贷款人可与借款人协商进行贷款重组
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质押存续期间,除法律另有规定外,任何人不得擅自动用质押存单
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订立抵押合同前抵押财产已出租的,原租赁关系不受该抵押权的影响。抵押权设立后抵押财产出租的,该租赁关系不得对抗已登记的抵押权
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建设用地使用权抵押后,该土地上新增的建筑物也属于抵押财产
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借款的利息可以预先在本金中扣除作为押金
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依据我国《商业银行法》的规定,商业银行不得发放信用贷款
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第三人为债务人向债权人提供担保时,不能要求债务人提供反担保
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保证人与债权人可以就单个主合同分别订立保证合同,也可以协议在最高债权额限度内就一定期间连续发生的借款合同或者某项商品交易合同订立一个保证合同
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一般保证和连带责任保证的保证人享有债务人的抗辩权。债务人放弃对债务的抗辩权的,保证人无权抗辩
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中期贷款,系指贷款期限在1年以上(含1年)5年以下(含5年)的贷款
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固定资产贷款中,采用受托支付的,发放支付审核部门(岗)应审核资本金到位情况,确认与拟发放贷款同比例的资本金已经到位或已使用于项目
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《征信业管理条例》规定,未经国务院征信业监督管理部门批准,任何单位和个人不得经营个人征信业务
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根据《中国人民银行关于推进农村信用体系建设工作的指导意见》,有关部门应积极开展农户信用评价工作,逐步形成“农户+征信+信贷”的业务模式
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___ is no doubt that overwork and much worry caused his illness.
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___ a day goes by that I don’t receive dozens of junk mails in my email box.
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John said Mom was coming back tomorrow, not next week. If this is the ___, we’ll all have to clean the house thoroughly.
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It is far too late for you to go out and play football, ___ the fact that it’s raining.
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However, under no circumstances should we ___ our achievements, nor should we regard our accomplishments as unimportant.
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Jane picked up a magazine from the bookshelf and started reading here and there ___.
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In many Middle Eastern cultures a deadline is taken as a(n) ___, and such terms should not appear in a purchase contract with businessmen from these countries.
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He is by no means a(n) ___ man. On the contrary, he always departs from customs.
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Although the nuclear radiation problems remain unsolved, the government’s emphasis has been ___ from coal to nuclear.
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The psychologist doesn’t say directly, but seems to ___ that emotional maturity and self-stimulation are the key elements for success.
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The top floors of a building collapsed, trapping a construction worker in the rubble (瓦砾), but he was ___ and could talk to rescuers.
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After ___ research by the local government, officials confidently stated that this area of the sea was much safer than before.
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As the world is becoming global, it is increasingly important that countries work together to ___ international trade.
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As the technology develops, it is probable that electronic books will start to ___ paper books in the near future.
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The man was sentenced to 10 years in prison after he was accused of ___ a senior bank official.
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Youngsters who drink and smoke, and are often absent from school are far more likely to be ___ from school.
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【单选题】
大学生适应新的学习、生活环境,很重要的一点就是___。
A. 勇于尝试,不怕失败
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D. 培养自信心。
【单选题】
创新学习是一种以___为基础,采取创造性方法,积极追求创造性成果的学习。
A. 奇思异想
B. 瞬间顿悟
C. 求真务实
D. 求新求变
【单选题】
“知之为知之,不知为不知,是知也。”这句话告诉我们,在学习上一定要培养___的优良学风。
A. 求实
B. 一丝不苟
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