问题 多项选择题

以下选项( )是商业银行对个人信贷产品中个人住宅抵押贷款的风险分析所考虑的因素。

A.经销商风险

B.假按揭风险

C.大学生毕业后面临就业困难危险

D.借款人的经济财务状况变动风险

E.由于房产价值下跌而导致超额押值不足的风险

答案

参考答案:A,B,D,E

解析: C选项是个人零售贷款的风险分析所涉及内容。

阅读理解

阅读理解。

     Henry finds a job on a farm. He is the strongest and youngest. He eats more, sleeps more, but works

less. He doesn't like to use his head, so he knows little. He has to do some unskilled (无需特殊技能的) work. He always says he's tired and hopes to have a good rest. So he gets less money than others.

     Winter is coming. The workers are getting ready for the next year. Only Henry does nothing. The farmer tells him to cut down some trees in the forest. The young man has to go there with a chair. He feels lonely (寂寞的) in the forest and is afraid of the animals. So he looks around and sings loudly. Nobody knows

what he's singing. After three days, Henry doesn't cut down any trees. The farmer feels strange. He wants

to find out how the young man is working there. To his anger (生气), Henry is sitting on the chair, cutting

the tree. "Why are you sitting here to cut the trees?" asks the farmer. "Because I can't work if lying (躺着), sir."

1. Henry doesn't like to use his head, so______.

A. he knows little knowledge (知识)    

B. he is young and strong

C. he tries to be a farmer              

D. he finds a job on a farm

2. Henry gets less money because______.

A. he sleeps more                 

 B. he does some unskilled work

C. he isn't polite to the farmer        

D. he eats more

3. Henry hopes to ______ .

A. make the farmer happy          

B. get help

C. lie down in the forest            

D. cut down more trees

判断题