问题 单项选择题 案例分析题

2013年3月,A省经济特区B市三级资质C房地产开发公司,在B市取得一块建设用地使用权,出让用途为商品住宅用地。为尽快运作此项目,一是C房地产开发公司经理利用自己关系,同亲朋好友高利息借得180万元。二是C房地产开发公司准备利用其拥有全部产权的B市汇源商业大楼作抵押,向B市D国有商业银行申请抵押贷款1000万元。D国有商业银行为规避此贷款风险,一是D国有商业银行出资同B市E保险公司为C房地产开发公司的信用办理了保险手续;二是要求C房地产开发公司既要为自身信用办理保险,又要为其拥有全部产权的B市汇源商业大楼办理保险。在办理保险手续前,D保险公司委托B市具有二级资质的E房地产估价公司,对该办公大楼进行了保险价值评估,该办公大楼最后评估价值为1600万元。2014年12月,B市居民利用贷款方式花50万元购买了此项目住宅一套。根据此背景,请回答下列问题

为尽快运作此项目,C房地产开发公司准备利用其拥有全部产权的B市汇源商业大楼作抵押,此信用形式属于()。

A.商业信用

B.银行信用

C.消费信用

D.民间信用

答案

参考答案:B

单项选择题
问答题

A couple of years ago a group of management scholars from Yale and the University of Pittsburgh tried to discover if there was a link between a company’s success and the personality of its boss. (46)To work out what that personality was, they asked senior managers to score their bosses for such traits as an ability to communicate an exciting vision of the future or to stand as a good model for others to follow. When the data were analyzed, the researchers found no evidence of a connection between how well a firm was doing and what its boss was like. As far as they could tell, a company could not be judged by its chief executive any better than a book could be judged by its cover.
(47)A few years before this, however, a team of psychologists from Tufts University, led by Nalini Ambady, discovered that when people watched two-second-long film-clips of professors lecturing, they were pretty good at determining how able a teacher each professor actually was.
Now, Dr Ambady and her colleague, Nicholas Rule, have taken things a step further. (48)They have shown that even a still photograph can convey a lot of information about competence—and that it can do so in a way which suggests the assessments of all those senior managers were nonsense.
Dr Ambady and Mr. Rule showed 100 undergraduates the faces of the chief executives of the top 25 and the bottom 25 companies in the Fortune 1,000 list. Half the students were asked how good they thought the person they were looking at would be at leading a company and half were asked to rate five personality traits on the basis of the photograph. (49) These traits were competence, dominance, likability, facial maturity (in other words, did the individual have an adult-looking face or a baby-face) and trustworthiness.
And Dr Ambady and Mr. Rule were surprised by just how accurate the students’ observations were. The results of their study, which are about to be published in Psychological Science, show that both the students’ assessments of the leadership potential of the bosses and their ratings for the traits of competence, dominance and facial maturity were significantly related to a company’s profits.
(50)Sadly, the characteristics of likability and trustworthiness appear to have no link to company profits, suggesting that when it comes to business success, being warm and fuzzy does not matter much (though these traits are not harmful).