问题 单项选择题

下列所述中,最可能获得个人抵押授信贷款的申请人是()。

A.小张今年16岁,想购买一辆切诺基越野车,因而以其父母的住房为抵押向银行申请个人贷款

B.小李平时遵纪守法,信用良好。前几年他开办了一家高级餐馆,餐馆利润连年稳定增长,最近规模扩大需要资金,小李便以其自有住房为抵押向银行提出申请

C.小红是一名典型的宅女,在家以写作为生,想以其作品为抵押申请一笔贷款

D.小王具有完全民事行为能力,因与妻子关系不和,欲自行将二人共有住房抵押申请个人贷款

答案

参考答案:B

解析:

个人抵押授信贷款的贷款对象需满足以下条件:

(1)具有完全民事行为能力、年满18周岁的自然人;

(2)借款申请人有当地常住户口或有效居留身份;

(3)借款申请人有按期偿还所有贷款本息的能力;

(4)借款申请人无不良信用和不良行为记录;

(5)借款申请人及其财产共有人同意以其自由住房抵押,或同意将原以住房抵押的个人住房贷款转为个人住房抵押授信贷款;

(6)各行自行规定的其他条件。对照以上条件可知,只有B选项中的小李符合条件。

选择题
阅读理解

阅读理解。

     In my profession as an educator and health care provider, I have worked with numerous children

infected with the virus that causes AIDS. The relationships that I have had with these special kids have

been gifts in my life. They have taught me so many things, but I have especially learned that great courage

can be found in the smallest of packages. Let me tell you about Tyler.

     Tyler was born infected with HIV: his mother was also infected.From the very beginning of his life, he

was dependent on medications to enable him to survive. When he was five, he had a tube surgically

inserted in a vein in his chest. This tube was connected to a pump, which he carried in a small backpack on his back. Medications were hooked up to this pump and were continuously supplied through this tube to

his bloodstream.At times, he also needed supplemented oxygen to support his breathing.

     Tyler wasn't willing to give up one single moment of his childhood to this deadly disease. It was not

unusual to find him playing and racing around his backyard, wearing his medicineladen backpack and

dragging his tank of oxygen behind him in his little wagon. All of us who knew Tyler marveled at his pure

joy in being alive and the energy it gave him.Tyler's mom often teased him by telling him that he moved so

fast that she needed to dress him in red.That way, when she peered through the window to check on him

playing in the yard, she could quickly spot him.

     This dreaded disease eventually wore down even the likes of a little dynamo like Tyler. He grew quite ill and, unfortunately, so did his HIVinfected mother. When it became apparent that he wasn't going to s

urvive, Tyler's mom talked to him about death. She comforted him by telling Tyler that she was dying

too, and that she would be with him soon in heaven.

     A few days before his death, Tyler beckoned me over to his hospital bed and whispered,"I might die

soon. I'm not scared. When I die, please dress me in red.Mom promised she's coming to heaven,too. I'll

be playing when she gets there, and I want to make sure she can find me." 

1. What is the boy Tyler's attitude towards death?

A. pessimistic  

B. optimistic  

C. sorrowful  

D. fearful

2. Tyler requested the writer to dress him in red when he died simply because _____.

A. red is a lucky color

B. red might help to cure him

C. his mom could spot him easily

D. he could find more mates by wearing red 

3. Which of the following might serve as a possible title for this passage?

A. My unusual profession  

B. A caring mother

C. Mother and son  

D. Dying in red 

4. The underlined word "dynamo" in the fourth paragraph here means _____.

A. a promising and helpful youth

B. an extremely energetic person

C. a rare and beautiful flower

D. a magic and understanding superstar