问题 单项选择题

唐某打算炒股,苦于资金不够向朋友贾某借了1万元,并将自家的一台笔记本电脑(价值 15000元)作为抵押。双方依法签订了借款合同和抵押合同,但没有办理抵押登记。唐某进人股市以后,股市逐渐低迷,唐某损失惨重。还款期限届至后,贾某向唐某索要借款,但唐某已经分文不剩,并且告知贾某,他的电脑已经以5000元的价格卖给宋某。贾某遂找到宋某,要求退还电脑抵偿债务。以下分析的正确的是

A.抵押无效,贾某无权要求宋某返还电脑

B.抵押无效,但贾某有权要求宋某返还电脑

C.抵押有效,贾某有权要求宋某返还电脑

D.抵押有效,但贾某无权要求宋某返还电脑

答案

参考答案:D

解析:本题考查抵押登记的效力。《担保法》中规定的抵押登记的效力共有两种情况。一种是针对《担保法》第42条规定的财产,抵押登记是抵押合同生效的要件;另一种则是针对第 43条规定范围以外的财产,“当事人以其他财产抵押的,可以自愿办理抵押物登记,抵押合同自签订之日起生效。当事人未办理抵押物登记的,不得对抗第三人。”本案中进行抵押的财产——电脑并不属于《担保法》第41条规定的情况,因此抵押登记是对抗第三人的条件。唐某与贾某之间的抵押合同没有经过登记,抵押合同自签订之日起生效,但不能对抗第三人,因此贾某无权要求宋某返还电脑。

阅读理解

I had about 10 minutes to exercise before I had to pick up my two older daughters from school yesterday. It was a busier day than usual for me with a couple of meetings besides my regular work.

Years ago, I would have put off my workout and would have left things for the next day. But since it was a busy day as well, I knew that I may not have all that much time either. So, I picked up my kettle-bell (哑铃) and went to town for 4 minutes.

See, 4 minutes, if that’s all you’ve got, is enough to give your body a great fat-burning exercise. How did I get a killer workout in 4 minutes? I used a training workout discovered 10 years ago by a Japanese Sports Scientist called a TABATA.

It includes 20-second periods of warm-up, followed by 10-second periods of rest and 4-minute straight exercise. How is a 4-minute exercise able to burn fat? It all depends on the quality of work you do. Not on the quantity. Here’s how I did it yesterday.

You should never forget your warm-up. A TABATA workout is 20 seconds of 2-arm Kettle-bell swings, 10 seconds rest, 20 seconds push-ups, and 10 seconds rest. You should do those 4 rounds. That’s it. I was done in a total time of 8 minutes by the time and when I got to school my heart was still pumping pretty hard.

A healthy body is needed for studying and working, and efficiency (效率) is the key to building a great body in the least amount (数量) of time possible and you can’t get more efficient than a 4-minute workout.

小题1:We can learn from the passage that the author ______.

A.is busy with his work

B.has a weak body now

C.has two children in all

D.is a manager in a film小题2:The underlined phrase “went to town” in Paragraph 2 means “_______”.

A.put off doing something

B.went to a very small city

C.did something with interest

D.hated to do something小题3:What is the most important thing in taking exercise according to the author?

A.The goal

B.the quality

C.The quantity

D.The method

单项选择题