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【判断题】
担保合同是主合同的从合同,主合同无效,担保合同无效
A. 对
B. 错
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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
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国家权力机关,军事机关和司法机关可以作保证人
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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
A. 对
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当事人以权利设立质权的,自权利凭证交付质权人时设立;没有 权利凭证的,质权自有关部分办理出质登记时设立
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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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抵押权人应当在主债权诉讼时效期间行使抵押权;未行使的,不 得再行使
A. 对
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第三人提供担保,未经其书面同意,债权人允许债务人转移全部 或部分债务的,担保人的担保责任不受影响
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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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学校、幼儿园、医院等以公益为目的事业单位、社会团体,以其 教育设施、医疗卫生设施和其他社会公益设施以外的财产为自身债务 设定抵押的,可以认定抵押有效
A. 对
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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
A. 对
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具有代为清偿债务能力的法人、其他组织或者公民、企业法人的 分支机构、职能部门可以作保证人
A. 对
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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
A. 对
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保证期间,保证人对未经其同意转让的债务,仍须承担保证责任
A. 对
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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
A. 对
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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
A. 对
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借款的利息可以预先在本金中扣除作为押金
A. 对
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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
A. 对
B. 错
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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
A. 对
B. 错
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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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—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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对贷款期内不能按期支付的利息按贷款合同利率按季或按月计收 复利,贷款逾期后改按罚息利率计收复利。最后一笔贷款清偿时,利随本清
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按照贷款质量五级分类标准,不良贷款包括关注贷款、可疑贷款 和损失贷款
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同意
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—物只能设立一个质押权,因而没有受偿的顺序问题
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贷款回收的原则是先收本、后收息,全部到期、利随本清
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发放支付审核部门(岗)应以贷款批复文件和已签合同为依据对 借款人提款条件进行审核,审核内容包括借款人是否已按照有关法律 法规规定,办妥与信贷业务有关的批准登记交付及其他法定手续
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固定资产贷款中,釆用受托支付的,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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同一介质上有不同保管期限的信贷档案,应按最长期限保管
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固定资产贷款,是指农信社向企(事)业法人或国家规定可以作 为借款人的其他组织发放的用于借款人日常生产经营周转的本外币 贷款
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《个人信用信息基础数据库管理暂行办法》中规定,征信服务中 心应当在接受异议申请后15日内,向异议申请人或转交异议申请的 中国人民银行征信管理部门提供书面答复
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A. 对
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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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本人可不经授权,直接查询包括配偶、子女在内的直系亲属的个 人信用报告
A. 对
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19.You can ________ ask the old man to move away to any other place because he has lived ________ here for at least sixty years. A. hardly; alone B. hard; alone C. hardly; lonely D. hardly; lonely
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20.—I’m going back to see my grandparents this weekend. —________. A. It’s very nice of you B. You’d better hurry C. Say goodbye to them D. Give my best wishes to them
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21.—Why not take ____ umbrella with the sign “Made in China”? It is useful. —What _______ good advice it is!    A. an; a B. a; a C. an; \ D. \; a
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22. —Do you know the boy________ is sitting next to Peter? — Yes. He is Peter’s friend. They are celebrating his ________ birthday. A. who; ninth B. that; ninth C. /; ninth D. which; ninth
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23. It was dark, ______ I couldnt see what was happening. A. or B. though C. but D. so
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24.—You can use MSN to talk with Vivien on the Internet. —I know. But can you tell me ________? A. what I can use it B. when I can use it C. why can I use it D. how can I use it
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25. _______ are you going to the School Uniform Exhibition, Amy ? To learn about different styles of school uniform. A. What B. Where C. Which D. Why
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【单选题】
( ) 26. Where does the writer of "The little Prince" come from? A.England. B.France. C.America. D.China.
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【单选题】
( ) 27. What does the prince do after the fox tells him a secret? A.He cares more about a flower and a sheep. B.He meets many more strange adults on other planets. C.He realizes his love for the rose and he goes back to his planet.   D.He discovers interesting things such as a snake, other roses and a fox
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【单选题】
( ) 28. What does "The little Prince" mainly talk about? It' s about _________. A.the adult world B.the planet B -612 C.a rose and a fox D.the adventure of a young prince
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【单选题】
( ) 29. What is the writer's main purpose(目的)in writing this passage?    A.To tell the readers his life story.    B.To tell people what kind of person his father was.    C.To tell the readers what present he got from his father.    D. To let people know how poor he was.
A. A
B. B
C. C
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【单选题】
( ) 30. Why did the father not ask his son not to do this and do that?    A.Because he felt quite confident of his son.    B.Because he was born from a poor family.    C.Because he was a man of few words.    D.Because he didn't want to be much too strict with his son.
A. A
B. B
C. C
D. D
【单选题】
( ) 31. What would someone learn from this passage?    A.How to live by oneself. B.How to stand on one's own feet.    C.What a good father should do. D.What the self-important is like.
A. A
B. B
C. C
D. D
【单选题】
( ) 32. What may be the proper Chinese for the underlined part in the passage?    A.闲暇时光 B.学费 C.精神空虚 D.经济不足
A. A
B. B
C. C
D. D
【单选题】
( ) 33. Why did Natalie Smith pay for the six cars behind her? A. She had seven tickets. B. She hoped to please others. C. She knew the car drivers well. D. She wanted to show kindness.
A. A
B. B
C. C
D. D
【单选题】
( ) 34. Judy Foreman copied down the phrase because she ___ . A. thought it was beautifully written B. wanted to know what it really meant C. decided to write it on a warehouse wall D. wanted her husband to put it up in the classroom
A. A
B. B
C. C
D. D
【单选题】
( ) 35. Who came up with the phrase according to the passage? A. Judy Foreman. B. Natalie Smith. C. Anne Herbert D. Alice Johnson.
A. A
B. B
C. C
D. S
【单选题】
( ) 36. What can we infer from the last paragraph? A. People should practice random kindness to those in need. B. People who receive kindness are likely to offer it to others. C. People should practice random kindness to strangers they meet. D. People who receive kindness are likely to pay it back to the giver.
A. A
B. B
C. C
D. D
【单选题】
( ) 37.The greatest river for navigation is ___________. A. the Nile B. the Amazon C. the Mekong D. the Mississippi
A. A
B. B
C. C
D. D
【单选题】
( ) 38. From a dam, people can use the water for ___________. A. keeping the rivers clean B. only making electricity C. irrigation and making electricity D. washing clothes
A. A
B. B
C. C
D. D
【单选题】
( ) 39. The water in the river is polluted because of _____________. A. people's drinking water too much B. people's swimming in the river too much C. chemicals and other materials D. people's building a dam across a river
A. A
B. B
C. C
D. D
【单选题】
( ) 40. The best title of the passage is ___________. A. Rivers in Cities B. The importance of Rivers C. Transportation D. Natural Resources
A. A
B. B
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D. D
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