问题 单项选择题

在个人汽车贷款审查和审批环节的主要操作风险中,不包括( )。

A.贷款超授权发放

B.贷款资金发放前,未核实借款人相关交易资料和凭证

C.业务不合规,业务风险与效益不匹配

D.审批人对应审查的内容审查不严

答案

参考答案:B

解析:个人汽车贷款审查和审批环节的主要风险点包括:①业务不合规,业务风险与效益不匹配;②不按权限审批贷款,使得贷款超授权发放;③审批人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,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。B项属于支付环节中的风险。

阅读理解

阅读理解。

      Jenny Bowen, an American living in Beijing, was selected as the only American to carry the 2008 Beijing

Olympic torch on Chinese soil. She and seven other non-Chinese winners had been chosen from 262 applicants

from 47 countries in a contest organized by Chinese computer maker Lenovo Group and the official English-

language newspaper, China Daily. When Bowen ran with the Olympic torch, she was not only representing the

United States, but also representing thousands of Chinese orphans (孤儿).

      Bowen, a mother of two adopted (收养) Chinese daughters, is director of Half the Sky Foundation, an

organization which was founded in 1998 and aims to enrich the lives of orphaned children in China. In nearly

10 years, Bowen and Half the Sky have touched the lives of over 13,000 children. Half the Sky is now present

in 36 welfare institutions in 28 Chinese cities. About 4,000 children are active in the program, which provides

trained staff, educational tools, medical support and care for orphans.

      Bowen hoped that running with the Olympic torch would help draw attention to the children in China. She

was among 19,400 runners who carried the flame along an 85,000-mile, 130-day route across five continents.

Beijing organizers say it was the longest torch relay in Olympic history.

      Like Bowen, the seven other non-Chinese winners, including a German engineer and a Venezuelan designer,

live in China. Other countries represented were the Philippines, Colombia, India, Japan and Russia.

      According to Olympic organizers, candidates (候选人) were selected based on an online vote, committee

selection, their "love of Chinese culture and history" and devotion to "communicating information of a real

China to their native countries". Each runner carried the torch for 200 meters on Chinese soil.

1. Bowen hopes that being a torch runner would help ______. [ ]

A. collect educational tools, medical support, etc, for orphans

B. make Half the Sky Foundation well known

C. draw special attention to orphans in China

D. communicate information of America

2. According to the text, Jenny Bowen ______. [ ]

A. is interested in Chinese sports

B. founded the organization of Half the Sky

C. has adopted 13,000 children during 10 years

D. loves Chinese culture and history

3. Which of the following about the 2008 torch relay is WRONG? [ ]

A. The contest for its runners is organized by Lenovo Group and China Daily.

B. It has eight foreign runners, including an American, a German and a Venezuelan.

C. It will be the longest relay with the most runners in Olympic history.

D. It will be an opportunity to communicate information of a real China to the world.

4. What's the best title for the passage? [ ]

A. Happy Life of a Great US Woman in China

B. A US Woman Carrying 2008 Olympic Torch in China

C. The Development of Half the Sky Foundation

D. The Longest Torch Relay in Olympic History

单项选择题