什么是船舶抵押借款？为什么说它是海上保险的初级形式？
参考答案：
船舶抵押借款出现在公元前800~700年的地中海周围的一些城市。它最初起源于船舶航行在外急需用款时，船长以船舶和船上的货物向当地商人抵押借款，并约定：如果船舶安全达到目的地，本利均偿还；如果船舶在中途沉没，债权即告消灭。由于航海风险比较大，所以借款的利息高于一般利息。（3分）船舶遇险中途沉没，债权消灭，意味着借款人的款项无须偿还，那么该借款相当于海上保险中预先支付的赔款；高于一般借款的利息相当于海上保险的保险费；在此项借款中的借款人、贷款人以及用作抵押的船舶，实质上相当于海上保险中的被保险人、保险人及保险标的。由此可见，船舶抵押借款是海上保险的初级形式。（3分）
根据短文内容，从A、B、C、D四个选项中选出一个能填入相应空格内的最佳答案，并把答题卡上对应的答案标号涂黑。 “Who would you like to change your life with if possible?” Last week, we asked many middle school students this question. The following are some of their. Zhang Yike, 12 I want to change my life with my friend, Wang Xiaohui. She is studying in England now. She has to many countries, such as the US and France. They are the places I wish to visit. What’s more, she much better English than me. If I change my life with her, I can visit many beautiful countries, eat delicious and meet different kinds of people there. Qiu Haoran, 14 I’d like to change my life with my Chinese teacher Miss Zhao. Miss Zhao is a very kind lady. She a lot, so she always has so many stories to tell us. We all like her classes. I also want to be such an excellent teacher and be with my students. Tan Bo, 13 I will change my life with my elder brother. My brother is a college student now. He does have to go to class all the time. He can study he is interested in. And he even has a part-time job to make money. To , all of these sound very interesting. I really want a life this.
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