某商业银行欲在西南三省成立一个跨省的分行，为此向律师进行咨询

问题不定项选择

某商业银行欲在西南三省成立一个跨省的分行，为此向律师进行咨询，作为律师对该商业银行可以提出哪些建议：

A．设立该分行须经过人民银行审查批准

B．分行自取得营业执照之日起无正当理由超过3个月未开业的，会被人民银行吊销营业执照

C．划拨给该分行的营运金额总和不得超过总行资本金总额的50%

D．该分行不具有法人资格，其民事责任由该商业银行总行承担

答案

参考答案：A,D

解析：《商业银行法》第19条规定：“商业银行根据业务需要可以在中华人民共和国境内外设立分支机构。设立分支机构必须经中国人民银行审查批准。在中华人民共和国境内的分支机构，不按行政区划设立。商业银行在中华人民共和国境内设立分支机构，应当按照规定拨付与其经营规模相适应的营运资金额。拨付各分支机构营运资金额的总和，不得超过总行资本金总额的60%。”本题中的分行即为该商业银行的分支机构，故选项A正确，选项C错误。第23条第2款规定：“商业银行及其分支机构自取得营业执照之日起无正当理由超过6个月未开业的，或者开业后自行停业连续6个月以上的，由中国人民银行吊销其经营许可证，并予以公告。”选项B错误。第22条第2款规定：“商业银行分支机构不具有法人资格，在总行授权范围内依法开展业务，其民事责任由总行承担。”选项D正确。

完形填空。
When you are invited to a meal in Thailand (泰国), the words of the invitation mean "come and eat rice". In fact, nearly all Thai dishes are 1 with rice, which grows there very easily _ 2 the climate is warm and there is much rain. 　　The food that is served is 3 cut into pieces, so there is no need to use knives or forks, but instead, special spoons and forks are used. The Thais 4 to eat with their hands and now there are still some people who eat this way. There is a special 5 of doing it. First they wash their 6 hands in a bowl of water--they only eat with their right hands. They are careful not to let the food 7 the palms of their hands. After the meal, the 8 are again carefully washed. 　　The meal usually has several different dishes. They are all hot. They are served in bowls which everyone shares, 9 each person has their own bowl of 10 . As Thai land has a long coastline, it is not surprising that fish and shell fish play an important part in Thai cooking.
( )1. A. eaten ( )2. A. when ( )3. A. never ( )4. A. went ( )5. A. reason ( )6. A. dirty ( )7. A. touch ( )8. A. forks ( )9. A. because ( )10. A. fish	B. used B. if B. perhaps B. had B. way B. right B. catch B. spoons B. though B. rice	C. smelled C. because C. hardly C. wanted C. idea C. left C. feel C. hands C. since C. water	D. tasted D. so D. always D. used D. result D. big D. drop D. bowls D. until D. shellfish