下列哪些可以划为关注类贷款的是（）。

A、借款人的收入、经营利润下降或出现流动性不足的征兆，一些关键财务指标出现异常性的不利变化或低于同行业平均水平

B、借款人或有负债（如对外担保、签发商业汇票等）过大或与上期相比有较大幅度上升

C、借款人经营管理存在重大问题或未按约定用途使用贷款

D、借款人在其他金融机构贷款被划为次级类

The United States is well-known for its network of major highways designed to help a driver get from one place to another in the shortest possible time. (51) these wide modern roads are generally smooth and well maintained, with (52) sharp curves and many straight sections, a direct route is not always the most (53) one. Large highways often pass by scenic areas and interesting small towns. Furthermore, these highways generally (54) large urban centers which means that they become crowded with heavy traffic during rush hours, (55) the "fast, direct" way becomes a very slow route.

However, there is almost always another route to take (56) you are not in a hurry. Not far from the (57) new "super highways", there are often older, less heavily traveled roads which go through the countryside. (58) of these are good two-lane roads; others are uneven roads curling through the country. These secondary routes may go up steep slopes, along high cliffs, or down frightening hillsides to towns (59) in deep valleys. Through these less direct routes, longer and slower, they generally go to place where the air is clean and the scenery is beautiful, and the driver may have a (60) to get a fresh, clean view of the world.

54（）。

A. lead

B. connect

C. collect

D. communicate