( )在提高审贷效率，方便广大群众借贷，防止不良贷款，防止个人过度负债以及根据信用风险确定利率水平方面发挥着积极的作用。
A．个人征信系统
B．贷后档案管理
C．风险管理
D．贷后检查
参考答案：A
解析：个人征信系统又称消费者信用信息系统，主要为消费信贷机构提供个人信用分析产品。目前，个人征信系统的信息来源主要是商业银行等金融机构，收录的信息包括个人的基本信息、在金融机构的借款、担保等信贷信息。个人征信系统在提高审贷效率、方便广大群众借贷、防止不良贷款、防止个人过度负债以及根据信用风险确定利率水平方面发挥了积极的作用。个人征信系统的社会功能和经济功能相辅相成，互相促进。随着数据采集和个人信用报告使用范围的逐步扩大，个人征信系统的功能将会逐步提高和完善。故选A。
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| A girl complained to her father about her hard life. She didn't know what she could do and wanted to ___1___. She was tired of fighting and fighting. One problem had been settled, but ___2___ appeared. Her father, a cook, took her into the ___3___. He poured water into three pots and boiled it. After the water came to a boil, he put some ___4___ in the first pot, eggs in the second and coffee in the last. He waited for them for a few minutes ___5___ any words. The girl closed her mouth and waited, impatient and ___6___ by what her father was doing. After about 20 minutes, her father ___7___ the stove, took out the carrots  and put them in a bowl. He tookthe eggs and put them in another bowl. After that he ___8___ the coffee into a cup. Turning back to his ___9___ , he asked, "Sweetheart, what do you see?" "Carrots, eggs and coffee," she replied. Her father asked her to __10 _ the carrots. She did and felt that the carrots were ___11___. ___12___ he asked her to take the eggs and break them. After peeling them, she felt the eggs were hard. Last, her father asked her to smell the coffee. She asked, "What does this _ _13__, Father?" He __14__ that each of the things had felt the same unfortunate fate. They were all boiled in ___15__, but with a ___16___ result. The strong and hard carrots became soft and weak after being boiled. The fragile eggs became __17___ after cooking. Coffee grounds were very unique. They could change the water. "___18___ one are you?" asked her father. "When calamity(不幸的事) __19___ on your door, what will your ___20___ be? Are you carrots, eggs of coffee?" | ||||
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