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问题 单项选择题

商用房贷款审查和审批环节中的主要风险点不包括( )。

A．业务不合规

B．合同制作不合格

C．未按权限审批贷款，使得贷款超授权发放

D．对内容审查不严，导致向不具备贷款发放条件的借款人发放贷款

答案

参考答案：B

解析： 商用房贷款审查和审批环节的主要风险点包括： a．业务不合规，业务风险与效益不匹配； b．未按权限审批贷款，使得贷款超授权发放； c．审批人员对应审查的内容审查不严，导致向不具备贷款发放条件的借款人发放贷款，如向关系人发放信用贷款或向关系人发放担保贷款的条件优于其他借款人，贷款容易发生风险或出现内外勾结骗取银行信贷资金的情况。

单项选择题

在“数据环境设计器”中，不能进行的操作是______。

A．添加表和视图

B．添加索引

C．移去表和视图

D．设置关联
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单项选择题

Which of the following most logically completes the argument below
In recent years, the proportion of car buyers who buy new cars rather than used cars has declined. Some consumers have attributed this change to an increase in new-car prices. As evidence of the price increase, they cite figures that show that, even adjusting for inflation, the price that the buyer of a new car pays, on average, is far higher now than a few years ago. This evidence is unpersuasive, however, because（）.

A．the value of a car that is bought new declines much more rapidly than does the value of a car that is bought used

B．after someone has bought a car, it might be several years before that person next buys a car

C．a decline in the proportion of car buyers who buy new cars must necessarily mean that the proportion who buy used cars has increased

D．the relative increase in used-car sales might be explained by the decisions of only a small proportion of all car buyers

E．the change in the average price paid for a new car could result solely from more people’s rejecting inexpensive new cars in favor of used cars
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