个人信贷业务是商业银行国内个人业务的主要组成部分。其操作风险控制点之一是优化产品结构、改进操作流程，重点发展以（）和（）为担保方式的个人贷款。

A.质押；信用

B.抵押；保证

C.信用；保证

D.质押；抵押

—What does your father think of your study!

—______. [ ]

A. He likes is

B. He doesn't mind them

C. He loves me

D. He can't stand it