问题 多项选择题

为准确评价借款人的偿债能力,信贷人员对借款人财务分析应侧重借款人的()。

A.盈利能力

B.营运能力

C.资本结构

D.净现金流量

E.损益情况

答案

参考答案:A, B, C, D

解析:

借款人的偿债能力与借款人的盈利能力、营运能力、资本结构和净现金流量等因素密切相关。因此为了准确计算和评价借款人的偿债能力,对贷款决策进行的财务分析应侧重这些内容。

阅读理解

When I was a child, I often dreamed of the time when I could leave home and escape to the city. We lived on a farm, in the winter especially, we wear quite out off from the outside world. As soon as I left school, I packed my bags and moved to the capital. However, I soon discovered that my life has its  too.

One big disadvantage is money. It costs so much to go out, not to mention basics like food and housing. Another disadvantage is pollution. I suffer from asthma(哮喘), and  the air is so  that I am afraid to go outside. Then there is the problem of traveling round. Although I have a car, I seldom use it became of the traffic jams. One choice is to go by bicycle, but that can be quite dangerous.

Of course there are advantages. First, there is so much to do in the city, whatever you tastes in culture or entertainment(娱乐活动). Besides, there are wonderful jobs and greater chances of moving to a more important job or position. Finally, if you like shopping, the variety of goods is very surprising --- and , what is more, shops are often only a short walk away.

Is life better then, in the city? Perhaps it is , when you are in your teens(十几岁)or twenties. However, as you get older, and especially if you have small children, the peace of the countryside may seem preferable. I certainly hope to move back there soon.

小题1:What was the writer always thinking about when he was a child?

A.Staying on the farm.

B.Moving to the countryside.

C.Leaving home for the city.

D.Running away from the school.小题2:Which of the following is true about the writer?

A.He is very old now.

B.He is in good health.

C.He prefers driving a car.

D.He lives in the city now.小题3:In the passage, the writer tries to __________.

A.express his opinions about way of life

B.describe his life in the countryside

C.an interest in the outside world

D.persuade the reader to live in the city小题4:How is the passage mainly developed?

A.By inferring.

B.By comparing.

C.By listing examples.

D.By giving explanations.

单项选择题