Spyware and other forms of malware are the biggest online threat to your computer’s（）nowadays. These malicious（）which get to your PC through freeware, shareware, commercial sites, deceptive pop-ups or in any other way, can record your surfing habits and sites you visit, share your personal information with their partners. Any personal（）, when in wrong hands, can leave you a victim of an "identity theft" by stealing your credit（）details, birth records and other（）information.

These malicious（）which get to your PC through freeware.

A．hardware

B．cards

C．programs

D．equipment

与单一法人客户相比，（）不是集团法人客户的信用风险具有的特征。

A．财务报表真实性较好

B．连环担保普遍

C．风险识别难度大

D．贷后监督难度大