次级债务是指由银行发行的，固定期限（），除非银行倒闭或清算不用于弥补银行日常经营损失，且该项债务的索偿权排在存款和其他负债之后的商业银行长期债务。
A.不低于5年（含5年）
B.不低于3年（含3年）
C.不低于5年（不合5年）
D.不低于3年（不含3年）
参考答案：A
解析：根据中国银监会于2003年发布的《关于将次级定期债务计入附属资本的通知》，次级债务是指由银行发行的，固定期限不低于5年（含5年），除非银行倒闭或清算不用于弥补银行日常经营损失，且该项债务的索偿权排在存款和其他负债之后的商业银行长期债务。
“I can’t believe what I’m hearing!” I thought to myself. Jeff was the last candidate (候选人)for president of Student Council. My best friend Tony came to me and said, “I’m sorry, Mike. I really thought you should be 1 .” Later that day, I happened to pass Jeff in the dining room. I offered him a 2 “Congratulations” and walked to my usual table. To my surprise, Jeff put his plate beside mine. “I’m, er…I’m just wondering if you would …consider coming to work on my team,” he said 3 . “You are really smart, and you would be a great manager.” “I don’t think so,” I replied, feeling unsure. “Well, if you change your mind, we are meeting tomorrow,” he said before moving to another table. All that night, I thought about the offer from Jeff. Maybe being a part of the election process(选举过程) would give me a 4 to make important changes at our school. I decided to join them. My first goal was to 5 an attractive advertisement. Within a few days, we designed a poster with Jeff’s pictures showing him in a number of activities. No one could walk through any hallway 6 passing Jeff’s smiling face. My next step was to 7 which new activities students would like to have at our school. Many of them wanted a chess club and a volleyball team. With the information I had collected, Jeff met with the headmaster. The headmaster 8 to add these activities to our school program. An eighth grader said, “It’ll be like attending a new school with Jeff as president.” Hearing these words made my heart filled with 9 . I had wanted to become president of Student Council to make a difference. I achieved that and more by working as a member of Jeff’s team. He became the most popular candidate and I was large part of his 10 . The fact that it has made a difference in other people’s lives is the real prize. What a great feeling!
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