问题 多项选择题

《个人贷款管理暂行办法》规定,贷款人应建立和完善借款人()。

A、支付方式

B、信用记录

C、评价体系

D、还贷保障

答案

参考答案:B, C

单项选择题


罗厚森是一家著名大型物流公司的职员,年纪不大的他已经在事业上小有成就,是同学、朋友圈中令人羡慕的“先富阶层”。但是为了以后的生活理想,特想作一理财规划,经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况
罗厚森30岁项目经理
二、月度收支状况 收入方面: 1.罗先生目前的月收入为2万元; 2.以前曾在一个朋友的实业中投入了一笔钱,现在每月还能拿到5000元左右的红利。 支出方面: 1.罗先生目前并不急于买房,租用了北外滩的一套房子,月租金3600元; 2.每月的基本生活开销,包括养车费用,共计2500元左右; 3.娱乐购物等费用在3000元左右。 三、年度收支状况 1.罗先生年终有15万元的奖金,今年的存款利息在2万元左右,今年从股票基金中获得的收益有5万元左右。 2.每年在旅游上的花费大约为2万元。
                    表1 年度性收支表 (单位:万元)
收入支出
年终奖金15保险费0
存款、债券利息2产险0
股利、股息5(今年)

其他(旅游费)

2
其他其他0
合计22合计2
四、寐庭资产负债状况
家庭资产方面:
1.因为目前并不看好股市,所以现在已经有部分股票基金的资金转到了货币市场基金账户中。目前,他的股票基金净值还有10万元左右,货币市场基金有75万元左右。
2.活期存款为12万元左右。
3.银行账户金有10万元左右。
4.外汇资产为25000美元及11万港币。
5.借给亲戚朋友20万元,部分借款将于明年初归还,部分还将等一段时间归还,但均未给罗先生带来利息收入。
6.罗先生的自用车买来不久,价值在30万元左右。
家庭负债方面:目前,罗先生无负债。
五、家庭理财目标方面
1.他希望专家能给他一个合理的资产配置方案,主要因为他个人目前不看好股市后市,大部分资金在货币基金中,希望能有其他好的理财渠道,让资产在保值的情况下取得不低于10%的年收益。
2.他正在考虑明年下半年是否要去脱产进修,并投入25万人民币读全职MBA,时间为2年。因为这个MBA的经历可能会给以后的工作提升带来好的影响,但却会导致自己未来两年的收入大幅下降。是否该走这一步
3.目前已经有女友的罗先生,还打算3年之后买房结婚,并希望40岁时资产达到100万美元。
六、假设条件
人民币对美元的当期汇率为6.86,人民币对港币的汇率为0.88。

投资者通过组合投资可以在投资收益和投资风险中找到一个平衡点。多元化的投资组合能够给投资者带来较高收益的同时有效地降低投资的风险。通常,多元化的投资组合包括( )。 Ⅰ.银行存款 Ⅱ.国债 Ⅲ.基会 Ⅳ.股票 Ⅴ.保险 Ⅵ.房产

A.Ⅰ、Ⅱ、Ⅲ、Ⅳ

B.Ⅰ、Ⅱ、Ⅲ、Ⅳ、Ⅴ

C.Ⅰ、Ⅱ、Ⅲ、Ⅳ、Ⅵ

D.Ⅰ、Ⅱ、Ⅲ、Ⅳ、Ⅴ、Ⅵ

阅读理解

阅读理解。

     I hated dinner parties. But I decided to give them another shot because I'm in London. And my friend Mallery invited me. And because dinner parties in London are very different from those in New York,

     "I'm having a dinner party" means: "I'm booking a table for 12 at a restaurant and we'll be sharing the

cheque evenly (平均地), no matter what you eat." In Manhattan there is always someone who leaves

before the bill arrives. They'll throw down cash, half of what they owe, and then people like me, who

don't drink, end up paying even more. But if you try to use the same trick, the hostess will shout: "Where

are you going ?" And I cannot say I have somewhere to go because everyone knows I have nowhere to

go.

     But in London, dinner parties are in people's homes. Not only that, the guests are an interesting mix.

The last time I went to one, the guests were from France, India, Denmark and Nigeria; it was like a

gathering at the United Nations. In New York, the mix is less striking. It's like a gathering at

Bloomingdatle's, a well-known department store.

     For New Yorkers, talking about other parts of the world means Brooklyn and Queens in New York.

But at Mallery's, when I said that I had been to Myanmar recently, people knew where it was, while In

New York people would think it was a usual club.

1. What does the word "shot" in Paragraph 1 probably mean?

A. Choice      

B. Try      

C. Style      

D. Goal

2. What does the writer dislike most about dinner parties in New York?

A. There is a strange mix of people.            

B. The restaurants are expensive.

C. The bill is not fairly shared.                

D. People have to pay cash.

3. What does the author think of the parties in London?

A. A bit unusual                            

B. Full of tricks  

C. Less costly                              

D. More interesting

4. What is the author's opinion of some New Yorkers from her experience?

A. Easy-going.    

B. Self-centered.    

C. Generous.    

D. Conservative.