问题 问答题

请简述《商业银行内部控制指引》对贷款“三查”尽职要求。

答案

参考答案:

商业银行应当建立统一的授信操作规范,明确贷前调查.贷时审查.贷后检查各个环节的工作标准和尽职要求:

(1)贷前调查应当做到实地查看,如实报告授信调查掌握的情况,不回避风险点,不因任何人的主观意志而改变调查结论。

(2)贷时审查应当做到独立审贷,客观公正,充分.准确地揭示业务风险,提出降低风险的对策。

(3)贷后检查应当做到实地查看,如实记录,及时将检查中发现的问题报告有关人员,不得隐瞒或掩饰问题。

选择题
阅读理解

 Without proper planning, tourism can cause problems. For example, too many tourists can crowd public places that are also enjoyed by the inhabitants of a country. If tourists create too much traffic, the inhabitants become annoyed and unhappy. They begin to dislike tourists and to treat them impolitely. They forget how much tourism can help the country’s economy. It is important to think about the people of a destination country and how tourism affects them. Tourism should help a country, keep the customs and beauty that attract tourists. Tourism should also advance the wealth and happiness of local inhabitants.

  Too much tourism can be a problem. If tourism grows too quickly, people must leave other jobs to work in the tourism industry. This means that other parts of the country’s economy can suffer.

  On the other hand, if there is not enough tourism, people can lose jobs. Businesses can also lose money. It costs a great deal of money to build large hotels, airports, air terminals, first- class roads, and other support facilities(配套设施)needed by tourist attractions. For example, a major international class tourism hotel can cost as much as 50 thousand dollars per room to build. If this room is not used most of the time, the owners of the hotel lose money.

  Building a hotel is just a beginning. There must be many support facilities as well, including roads to get to the hotel, electricity, sewers to handle waste, and water. All of these support facilities cost money. If they are not used because there are not enough tourists , jobs and money are lost.

 小题1:Which of the following do you think has been discussed in the part before this selection?

A.It is extremely important to develop tourism.

B.Building roads and hotels is essential.

C.Support facilities are highly necessary.

D.Planning is of great importance to tourism. 小题2:The underlined word“ inhabitants” (in Paragraph 1 ) probably means________.

A.tourists

B.passengers

C.population

D.citizens 小题3:Too much tourism can cause all these problems EXCEPT ________ .

A.a bad effect on other industries

B.a change of tourists’ customs

C.over - crowdedness of places of interest

D.pressure on traffic 小题4:It can be inferred from the text that ________ .

A.the author doesn’t like tourism developing so fast

B.local people will benefit from tourist attraction

C.other parts of a country’s economy won’t benefit from tourism much

D.we can't build too many support facilities