问题 单项选择题

对于普通准备金计提基数的确定,( )计算出的准备金水平最高;目前比较常用的方法是( )。

A.按全部贷款的余额确定,在全部贷款余额之中扣除专项准备金后确定
B.在全部贷款余额之中扣除专项准备金后确定,按照正常类贷款余额确定
C.按照正常类贷款余额确定,按全部贷款的余额确定
D.按全部贷款的余额确定,按照正常类贷款余额确定

答案

参考答案:A

解析: 对普通准备金的计提基数的确定方法,各国也有不同。有些国家是按照全部贷款余额确定;有的国家是在全部贷款余额之中扣除专项准备金后确定;还有的国家是在贷款风险分类后,按照正常类贷款余额计提。目前,比较常用的方法是第二种方法,所以A选项符合题意。

完形填空

下面是一篇文章,请将标有A-F的段落插入文章中标号为1- 5的合适位置,使这篇文章意义完整,结构连贯;其中有一个段落是多余的。

A punctual (准时的)person is in the habit of doing a thing at the proper time and is never late in keeping an appointment.

__小题1:_____He is always in a hurry and in the end loses both time and his good name. A lost thing may be found again,but lost time can never be regained. Time is more valuable than material things.__小题2:______.The unpunctual man is for ever wasting and mismanaging his most valuable assets as well as the assets of others'. The unpunctual person is always complaining that he finds no time to answer letters or return calls or keep appointments promptly.____小题3:___. He knows that he can not get through his huge amount of work unless he faithfully attends to every piece of work when it has to be attended to .

Failure to be punctual in keeping one's appointments is a sign of disrespect towards others. If a person is invited to dinner and arrives later than the appointed time,he keeps all the other guests waiting for him. ___小题4:_____.

Unpunctuality,moreover,is very harmful when it comes to doing one's duty,whether public or private. Imagine how it would be if those who are put in charge of important tasks failed to be at their proper place at the appointed time.__小题5:__

A.But the man who really has a great deal to do is very careful with his time and seldom complains because he lacks it.

B.The unpunctual man,on one hand,never does what he should do ahead of time.

C.In fact,time is life itself.

D.A man who is known to be habitually unpunctual is never trusted by his friends orfellow men.

E. The unpunctual man,on one hand,never does what he has to do at the proper time.

F. All guests present ought to be respected by the host.

G. Usually this will be regarded as a great disrespect to the host and all other guests present.

问答题 简答题