问题 单项选择题

某个体工商户因购买专用设备向某金融机构申请设备贷款,以其自有房产作为抵押物,该设备购置价格为300万元,抵押房屋评估价值为320万元,则该笔贷款最高额度不超过()万元。

A.240

B.224

C.210

D.200

答案

参考答案:D

解析:

设备贷款的额度最高不得超过借款人购买或租赁设备所需资金总额的70%,且最高贷款额度不得超过200万元。具体按以下情况分别掌握:

(1)以贷款银行认可的质押方式申请贷款的,贷款最高额不得超过质物价值的90%;

(2)以可设定抵押权的房产作为抵押物的,贷款最高额不得超过经贷款银行认可的抵押物价值的70%;

(3)以第三方保证方式申请贷款的,银行根据保证人的信用等级确定贷款额度。

由题意知,320×70%=224(万元),大于200万元。因此,该笔货款的上限为200万元。

阅读理解

阅读理解。

     Standard English is the formal (正式的) English that you need to use when you write in coursework or in

the exam. Standard English is the form of English you learn in school. All written English should be standard-

that means it should be clear enough for anyone in Britain to understand it. Standard English developed as the

main form of printed English in the 15th Century. At the time, every region of Britain used to spell words

differently, but printers needed a fixed spelling. Printers like Caxton chose the East Midlands dialect form which

was used in London and the South East. Soon Standard English replaced (取代) all written dialect forms-the

other forms of English spoken around the country. It also replaced French and Latin in law and in academic

(学术的) work. In the 18th Century, people wrote dictionaries and grammar books which standardized spelling-

Dr Johnson's Dictionary of 1755 fixed many of the spellings we still use today. All written English should be

Standard English-any grammar rules you learn are for Standard English and you will definitely need to learn

them to avoid making mistakes in your work. The rules of Standard English mean using the correct forms of

words with the correct spellings.

     Avoid slang words (俚语)-words that your teachers or friends wouldn't understand. You'll lose marks if

the examiners can't understand what you say or write. Don't use dialect words. Every region has words or

phrases that are only used there. Don't use them in your coursework, because you won't be understood. Make

sure you revise grammar and punctuation (标点) you have learned, and learn the list of commonly misspelled

words you have made. Clichés are ideas or sayings which have been used so often that they've become boring

and unoriginal. Phrases like, "As good as it gets" "At the end of the day" "In the fullness of time" are all clichés.

So are images like, "as fierce as a lion" "as cunning as a fox". If you use them you will sound boring and

unimaginative-that could mean you lose marks for writing and speaking style. So avoid clichés.

1. What three things do you have to think about when using English?

    a. no slang word or dialect

    b. no grammar and spelling mistake.

    c. no phrase

    d. no cliché

    e. no punctuation[ ]

A. abc

B. bcd

C. abd

D. ade

2. What is standard English?[ ]

A. the English spoken by British people.

B. the English spoken by American people.

C. the English spoken by British people in 15th Century.

D. the English used in London.

3. What is the cliché according to the passage? [ ]

A. the English full of slang words.

B. the long phrases which are used often.

C. the boring ideas or sayings because of being used often.

D. all the English which is used outside of London and the southeast of Britain.

4. Why do we need to use Standard English? [ ]

A. Because no one can understand dialect words.

B. Because local dialect belongs to certain region, not every one can understand it.

C. Because there are many kinds of English in the world, we need Standard English to make communication

     easier.

D. Because standard English has been used for a long time.

5. Which statement is true?[ ]

A. All the spoken English should be Standard English.

B. Written English should be formal and standard.

C. Standard English means people should use the words from Dr Johnson's Dictionary.

D. Standard English replaced all written dialect forms in the 18th century.

单项选择题