问题 多项选择题

贷款人有下列情形之一的,银行业监督管理机构除按《固定资产贷款管理暂行办法》第38条规定采取监管措施外,还可根据《中华人民共和国银行业监督管理法》第46条、第48条规定对其进行处罚:();未按本办法规定进行贷款资金支付管理与控制的;有其他严重违反本办法规定的行为的。

A、受理不符合条件的固定资产贷款申请并发放贷款的;

B、与借款人串通,违法违规发放固定资产贷款的;

C、超越、变相超越权限或不按规定流程审批贷款的;

D、未按本办法规定签订贷款协议的;

E、与贷款同比例的项目资本金到位前发放贷款的;

答案

参考答案:A, B, C, D, E

单项选择题
单项选择题

It may be just as well for Oxford University’s reputation that this week’s meeting of Congregation, its 3,552-p governing body, was held in secret, for the air of civilized rationality that is generally supposed to pervade donnish conversation has lately turned fractious. That’s because the vice-chancellor, the nearest thing the place has to a chief executive, has proposed the most fundamental reforms to the university since the establishment of the college system in 1249; and a lot of the dons and colleges don’t like it.

The trouble with Oxford is that it is unmanageable. Its problems-the difficulty of recruiting good dons and of getting rid of bad ones, concerns about academic standards, severe money worries at some colleges-all spring from that. John Hood, who was recruited as vice-chancellor from the University of Auckland and is now probably the most-hated antipodean in British academic life, reckons he knows how to solve this, and has proposed to reduce the power of dons and colleges and increase that of university administrators.

Mr. Hood is right that the university’s management structure needs an overhaul. But radical though his proposals seem to those involved in the current row, they do not go far enough. The difficulty of managing Oxford stems only partly from the nuttiness of its system of governance; the more fundamental problem lies in its relationship with the government. That’s why Mr. Hood should adopt an idea that was once regarded as teetering on the lunatic fringe of radicalism, but these days is discussed even in polite circles. The idea is independence.

Oxford gets around £5,000 ($9,500) per undergraduate per year from the government. In return, it accepts that it can charge students only £1,150 (rising to£3,000 next year) on top of that. Since it probably costs at least £10,000 a year to teach an undergraduate, that leaves Oxford with a deficit of £4,000 or so per student to cover from its own funds.

If Oxford declared independence, it would lose the £52m undergraduate subsidy at least. Could it fill the hole Certainly. America’s top universities charge around £20,000 per student per year. The difficult issue would not be money alone, it would be balancing numbers of not-so-brilliant rich people paying top whack with the cleverer poorer ones they were cross-subsidising. America’s top universities manage it: high fees mean better teaching, which keeps competition hot and academic standards high, while luring enough donations to provide bursaries for the poor. It should be easier to extract money from alumni if Oxford were no longer state-funded.

To which of the following statements would the author most probably agree()

A. The contribution from alumni won’t lure ample donation by the wealthy

B. The civilized rationality is gradually spoiled by fractious nature

C. The row going on in Oxford is passionate but beside the point

D. American’s top universities are somewhat apprehensive of their current status but over-confident of their prospect