It might have been John _____ bought a present for Mary yesterday.

A．that

B．when

C．what

D．which

以下属于贷前调查的内容有（）。

A.借款人信用情况

B.申请项目的经营合法性、合规性

C.担保情况

D.测定贷款风险度

E.按规定权限报批