相关试题
【判断题】
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
【判断题】
新建立信贷业务关系，且借款人信用评级在AA级（不含）以下的流动资金贷款应采取受托支付方式
【判断题】
信用社统一授信管理必须做到“先授信、后用信”，遵循主体统一、区别对待、动态调整、权限管理的原则
【判断题】
银行承兑汇票贴现，属于低风险业务，一般划入正常类
【判断题】
在对信用证、承兑、担保等表外信贷资产分类时，原则上，对该客户表外信贷资产分类不得高于对其近期表内信贷资产业务分类等级
【判断题】
展期后的贷款按新增贷款进行管理，展期贷款的风险分类最高只能列为关注类
【判断题】
中期贷款，是指贷款期限在1年以上(不含1年)5年以下（含5年）的贷款，其中流资贷款期限为1年以上(不含1年)3年以下（含3年）
【判断题】
自然人贷款应当根据本地实际实行调查、审查审批分离，将调查、审查审批环节职责分解，由不同岗位承担，实行相互制约
【判断题】
对于变现能力差的抵押物，抵押率应适当降低
【判断题】
公司申请借款，由第三方提供抵押担保的，尽可能让第三方同时签订保证合同，这样有利于风险发生时贷款的回收和抵押物的处置
【判断题】
依据《商业银行授信工作尽职指引》，商业银行对客户调查和客户资料的验证应以实地调查为主，间接调查为辅
【判断题】
对本金逾期或欠息超过60天的信贷业务，可以进行贷后临时检查
【判断题】
对不能按借款合同约定期限归还的贷款，应当按规定加罚利息
【判断题】
非现场检查要利用人民银行借贷登记咨询系统、电话、网络、媒体等工具或渠道进行信息收集和借贷分析
【判断题】
借款人提前偿还部分本金的，要偿付偿还截至该提前还款日前一天（含该日）所发生的相应利息
【判断题】
调阅信贷档案在经有权人同意后可以抄录、照相、复印或复制，可以将信贷档案拆封和借出、不得涂改、圈划
【判断题】
在还本付息日第二天营业时间终了前，贷款人未向银行提交偿还贷款本息的支票或支凭条的，并且其偿债账户或其他存款账户中的存款不足以由银行主动扣款的，该笔贷款即为可疑贷款
【判断题】
重点检查属于重大风险事项的，应及时通报风险管理部门，并根据风险管理部门检查结果及时调整资产风险分类形态，待有权审批人批准后，将有关信息及时录入信贷管理系统
【判断题】
实行不良贷款认定和监测考核制度。严格标准，按规定权限和程序认定，真实反映信贷资产质量
【判断题】
客户经理对《中华人民共和国商业银行法》和银监会规定的关系人申请的信贷业务，可以不回避
【判断题】
对农信社现有政策制度没有规定或需突破农信社现有政策制度规定的信贷业务，实行特事特办制度，但需报省联社审批，且不得违反国家强制性规定
【判断题】
逾期贷款或挤占挪用贷款，从逾期或挤占挪用之日起，按日万分之三或日万分之五计收罚息，直到清偿本息为止，遇罚息利率调整，分段计息
【判断题】
全省农村合作金融系统工作人员应当为在工作中知悉的个人信用信息保密，严禁向任何个人单位泄露客户的个人信用信息
【判断题】
办理信贷业务基本流程：受理→调查→审议审批→审查→信用发放与支付→贷后管理
【判断题】
对未获批准的个人贷款申请，不用告知借款人
【判断题】
借款合同应明确约定借款人的诚信承诺和贷款资金的用途支付对象支付金额支付条件支付方式等
【判断题】
采用受托支付的，借款人在使用贷款时提出支付申请，并授权农信社按合同约定方式支付贷款资金
【判断题】
自主支付是指农信社根据借款人的提款申请将贷款资金直接发放至借款人账户，并由借款人自主支付给符合合同约定用途的借款人交易对象
【判断题】
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
【判断题】
借款人具备还款意愿和还款能力是申请个人贷款必须具备的基本条件
【判断题】
农信社应按照借款合同约定，通过受托支付或借款人自主支付的方式对贷款资金的支付进行管理与控制
【判断题】
未按规定执行贷款面谈面签制度的应按照省联社有关规定对有关责任人进行责任认定和处罚
【判断题】
采用自主支付的，借款人应定期报告或告知农信社贷款资金支付情况
【判断题】
信贷档案是是农信社信贷管理工作的原始凭证和参考依据
【判断题】
在客户贷款档案未移交信贷档案管理员管理之前，客户经理要对客户档案资料的真实性和完整性负责
【判断题】
已结清信贷档案保管期限，从信贷档案所属的年度终了后的第一天算起
【判断题】
信贷档案库（柜）必须保持整洁，做到“三防”“五无”
【判断题】
信贷档案管理人员调离时，对经管的有关档案资料（包括年内临时保管的文件资料）要逐件填写交接清单，对信贷档案收进移出销毁情况予以书面说明
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【填空题】
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8 Americans defend the right to obtain a gun and they have[ ] been willing to turn a blind eye to the harm that people owning guns have caused
【填空题】
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7 The anger and frustration [ ] by the local people who do not understand what is happening to them will be a terrible and dangerous force
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2 Some reform advocates ignore the impact of
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are ( ) what they call as a Priority:teacher effectiveness.
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3 Because of easy access to the Internet,the
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Truly creative ( ) happen anytime now.
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4 Indeed,if teachers want to( ) how far students might get in life, a better measurement than grades might be how hard the students try.
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5 Nature has( ) these animals ( ) a capacity for not showing Fear.
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6 During the weeks of discussion,delegations
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7 Plato was a superb writer,and his works are
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【填空题】
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8 Young people should enter into a broad
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【填空题】
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9 The young man is very happy and proud to
be ( ) the old professor because he always feeIs great when talking With him.
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10 One day they passed more than 20 villages ( ),and some of these are Said to have stretched for six miles or more.
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7 Being asingle parent,there is no way for her
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8 It is essential that you start by listening because one of the main ( ) teenagers and their parents face in forming positive relationships is that neither listens to the other.
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9 We all know the dangers of an earthquake: the ( ) to buildings,the troubles can be caused by falling trees,and the terror occurs when the earth actually opens uip.
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10 Not until recently have we realized that the increasing world population may lead to a potential gloomy ( ) for humanity starvation.
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2 It is the development strategy/of the company to ( ) its overseas expansion in order to take a slice of the world market
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3 Nearly six million people go to see the Mona
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4 To live with a family whose native language is English is the ideal way to further improve one's English and to gain ( )into its culture.
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5 There is a real need to ( ) academic
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6 Einstein said his scientific discoveries grew
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reason and language.
【填空题】
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1 When the police caught up with him, Mr.Foster had to [ ] that he'd broken the speed limit.
【填空题】
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2 Whenever my boss makes a decision that I don't agree with, I tell him what I really think, though it's [ ] to make him happy by telling him his ideas are always right
【填空题】
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3 As can be probably perceived, a manned tip to Mars may soon[ ] since scientists have achieved the manned moon mlssion
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4 A number of countries are [ ]their efforts to send out food to the area worst affected by the flood.
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She authorizcd her partner to carry out daily responsibllitles [ ]when she was on her business trip
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On hering the latest news about your mother's ill health, I [ ]canceling your reservation at the Sheraton.
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There was an obvious indication that the police who have to enforce the new law were not[ ] the general discontent.
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When she heard of her failure in the experiment, her eyes[ ]tears; whether it was of shame, frustration, orgrief was difficult to tell.
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Rose knows that continuous letters fromJohn, together with countless roses are aimedat making her[ ]him.
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[ ]public school for drinking and smoking and then failing inshow business as a singer, she joined her father's business 10 years ago.
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Since the great scandals in banking,many people in the Country have[ ]the prospects of economic recovery within a few years.
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The parents were quite happy to[ ]our suggestion because had taked their most important concernsinto consideration.
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1When employees participated in the problem-solving process, they were muchvmore willing to [ ] solutions to the problems.___
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2 A strong police force has been placed between the two [ ]group in the village to prevent fighting and killing.___
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3 Although personally we believe this to be of only secondary importance, its potential role in [ ] innovative acts cannotbe.___
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4Though many things have been changed culturally, there is a commitment and sense of responsibility that have not yet been [ ] in today's society___
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profit , rival, motivate,implement, investigate
5 Western nations have older and shrinking populations since they entered the 21stcentury and their [ ] birth rates have also posed problems___
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6 She didn't want to marry him and was [ ] against him because he had only a bachelor's degree and didn't meet her expectations for marriage.___
【填空题】
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profit , rival, motivate,implement, investigate
7 The president is in trouble and will have to work hard to [ ] his credibility after people discovered that he was not telling the truth.___
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enlighten, discard, restore, fluctuate,prejudice ,
profit , rival, motivate,implement, investigate
8 To study a number of subjects in the humanities has been both enjoyable and [ ]providing me with a new and different perpective on the world in which we live.___
