问题 单项选择题

下列关于商用房借款合同的变更与解除的表述错误的是()。

A.必须经借贷双方协商同意,协商未达成之前借款合同继续有效

B.借款人在还款期限内宣告死亡的,银行可以变卖借款人遗产以清偿未归还借款

C.当发生保证人破产、分立、合并等情况时,借款人应及时通知贷款银行,并重新提供贷款银行认可的担保

D.如需办理抵(质)押变更登记的,应到原抵押登记部门办理变更抵(质)押登记手续及其他相关手续

答案

参考答案:B

解析:本题考查商用房借款合同的变更与解除。选项B的正确表述是借款人在还款期限内死亡、宣告死亡、宣告失踪或丧失民事行为能力后,如果没有财产继承人和受遗赠人,或者继承人、受遗赠人拒绝履行借款合同的,贷款银行有权提前收回贷款,并依法处分抵押物或质物,用以归还未清偿部分。

阅读理解

A different sort of generation gap is developing in the workplace. Someone --- specifically the father-daughter team of Larry and Meagan Johnson --- has figured out that on some American job sites, five generations are working side by side.

In their new book about generations in the workplace the pair argue that while such an age difference adds a lot of texture and a variety of life experiences, it can also bring tensions and conflicts.

The Johnsons are human-resource trainers and public speakers. Dad Larry is a former health-care executive; daughter Meagan is a onetime high-level sales manager.

Here are the oldest and youngest of the five generations they identify:

They call the oldest group Traditionals, born before 1945. They were heavily influenced by the lessons of the Great Depression and World War Two. They respect authority, set a high standard of workmanship, and communicate easily and confidently. But they’re also stubbornly independent. They want their opinions heard.

At the other extreme are what the Johnsons call Linksters, born after 1995 into today’s more complicated, multi-media world. They live and breathe technology and are often social activists.

You won’t find many 15-year olds in the offices of large companies, except as volunteers, of course, but quite old and quite young workers do come together in sales environments like bike shops and ice-cream stores.

The Johnsons, Larry and Meagan, represent a generation gap themselves in their work with jobsite issues. The Johnsons’ point is that as the average lifespan continues to rise and retirement dates get delayed because of the tight economy, people of different generations are working side by side, more often bringing with them very different ideas about company loyalty and work values.

The five generations are heavily influenced by quite different events, social trends, and the cultural phenomena of their times. Their experiences shape their behavior and make it difficult, sometimes, for managers to achieve a strong and efficient workplace.

Larry and Meagan Johnson discuss all this in greater detail in a new book, “Generations, Inc.: From Boomers to Linksters --- Managing the Friction Between Generations at Work,” published by Amacom Press, which is available in all good bookstore from this Friday.

小题1:The type of generation gap in paragraph 1 refers to the difference in beliefs ________.

A.between managers and workers

B.among family members

C.among employees

D.between older and newer companies小题2:Which of the following statements is NOT true about Traditionals?

A.They’ve learned much from war and economic disaster.

B.They’re difficult to work with as they are stubborn.

C.They respect their boss and hope to be respected.

D.They’re independent workers with great confidence.小题3: According to the passage, the Linksters are usually ________.

A.found working in the offices of large companies

B.influenced by media and technology

C.enthusiastic multi-media activists

D.ice-cream sellers小题4: According to the passage, modern workforces are more diverse because ________.

A.people want to increase their average lifespan

B.many young people are entering the workforce

C.employees with different values can benefit their companies

D.retirement dates are being delayed for economic reasons小题5:What’s the main purpose of the passage?

A.To promote a new book by Larry and Meagan Johnson.

B.To describe the five different workplace generations.

C.To introduce the Johnsons’ research about diverse workforces.

D.To identify a major problem in modern workforces.

判断题