问题 选择题

王女士近日欲购一套住房。在提交个人贷款申请后不久,银行工作人员告诉她,因她的信用卡账户有数次逾期还款的记录,银行将提高她的住房贷款利率。这表明(  )。

①个人信用状况决定房贷利率 ②信用是人们不可忽视的无形资产 

③信用卡的使用导致了个人信用风险 ④银行可通过利率杠杆规避信贷风险

A.①②

B.②③

C.①④

D.②④

答案

答案:D

题目分析:该题考查信用卡、银行的利率等知识点,①观点错误,个人信用状况影响房贷利率,而不是决定,③观点错误,并不是信用卡的使用导致了个人信用风险,而是因为没有及时还贷导致的,因她的信用卡账户有数次逾期还款的记录,银行将提高她的住房贷款利率,说明信用是人们不可忽视的无形资产,银行可通过利率杠杆规避信贷风险,故②④符合题意,故答案应选D。

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In the end, a degree of sanity prevailed. The militant Hindus who had vowed to breach a police cordon and start the work of building a temple to the god Ram at the disputed site of Ayodhya decided to respect a Supreme Court decision barring them from the area. So charged have Hindu-Muslim relations in India become in recent weeks, as the declared deadline of March 15th neared, that a clash at Ram’s supposed birthplace might well have provoked bloodshed on an appalling scale across the nation. It has, unfortunately, happened often enough before.

But the threat has not vanished. The court’s decision is only an interim one, and the main Hindu groups have not given up on their quest to build their temple. Extreme religious violence, which seemed in recent years to have faded after the Ayodhya-related explosion of 1992--1993, is again a feature of the political landscape. Though faults lie on both sides (it was a Muslim attack on Hindus in a train in Gujarat that started the recent slaughter), the great bulk of victims were, as always, Muslims. Once again, educated Hindus are.to be heard inveighing against the "appeasing" of Muslims through such concessions as separate constitutional status for Kashmir or the right to practice Islamic civil law. Once again, the police are being accused of doing little or nothing to help Muslim victims of rampaging Hindu mobs. Once again, India’s 130m Muslims feel unequal and unsafe in their own country. Far too many Hindus would refuse to accept that it is “their own country" at all.

The wonder of it, perhaps, is that things are not worse. While the world applauds Pakistan for at last locking up the leaders of its extreme religious groups, in India the zealots still support, sustain and to a degree constitute the government. The BJP, which leads the ruling coalition, was founded as a political front for the Hindu movement. It is simply one, and by no means the dominant, member of what is called the Sangh Pariwar, the "family of organizations". Other members of the family are much less savoury. There is the VHP, the World Hindu Organization, which led the movement to build the Ram temple. There is the Bajrang Dal, the brutalist "youth wing" of the VHP. There is substantial evidence that members of the VHP and the Bajrang Dal helped to organize the slaughter of hundreds of Muslims in Gujarat after 58 Hindus were killed on a train as they returned from Ayodhya.

According to the text, the Supreme Court ruled that()

A. Muslims are denied the right to civil laws

B. Hindu-Muslim clashes are an issue of religion

C. it is illegal to seek to build the Ram temple

D. religious groups are in the charge of their leaders