问题 单项选择题

目前我国个人汽车贷款的借款人还款意愿不高,致使商业银行汽车贷款的信用风险较高的主要原因不包括( )。

A.银行在经营个人汽车贷款业务中,很难像公司贷款项目的评估分析那样判断借款人的资信状况、个人的收入水平、资产负债状况、偿还债务能力,一般仅依靠借款人的自我证明
B.当前个人贷款违约成本很低,既没有高的罚息和违约金,也没有有效的黑名单制裁制度
C.很多人对贷款资金的性质缺乏正确的认识,认为银行的钱就是国家的钱,借银行的钱就是借国家的钱,大量不良资产的出现更使得不少借款人有银行的贷款能不还就不还的想法
D.我国的商业银行的风险控制能力较弱,没有认识到汽车贷款所面临的各种风险

答案

参考答案:D

解析:我国的商业银行已经认识到个人汽车贷款的风险,D选项错误。故选D。

单项选择题
问答题

(46) For centuries the smoking of tobacco in cigarettes, cigars, and pipes has produced controversy over possible health hazards, but only since the 1950’s has sufficient scientific evidence accumulated to make possible a thorough evaluation of the health risk.

Scientific investigation of the relationship of smoking and health gained impetus after the beginning of the 20th century, then an increase in lung cancer was noted. As the use of tobacco increased, studies improved. (47) Although some gaps in knowledge still exist, the information now available is sufficient to permit making sound judgments, based on the converging lines of evidence.

(48) Investigators have directed their principal consideration to cigarette smoking because the health consequences attributed to it far exceed those due to smoking cigars and pipes. The widespread popularity of cigarettes is comparatively recent in man’s use of tobacco. The smoking pattern began to change at the beginning of the 20th century. Since then, cigarettes have steadily become more popular than cigars and pipes. (49) In the United States. per capita cigarette consumption — calculated for all persons 15 years of age and older, regardless of whether they smoked—rose from 49 per year in 1900 to 3,888 in 1960. Per capita consumption of cigars, pipe tobacco, and chewing tobacco declined sharply in the same period. Data presented in 1966 indicated a sharp reduction in cigarette smoking in the United States for men under the age of 55 with the trend continuing to 1970.

Further increase in cigarette consumption for women of all ages was reported in 1966 and no further increase was noted 1966 and 1970. However, in 1970 overall per capita cigarette consumption rose.

By 1962 the Royal College of Physicians of London reported:" Cigarette smoking is a cause of lung cancer and bronchitis, and various other less common diseases. It delays healing of gastric and duodenal ulcers." Some scientists, however, expressed dissenting opinions.

The most widely publicized report in the United States was issued in 1964 by the Surgeon General’s Advisory Committee on Smoking and Health. (50) The principal judgment in the committee’s 150,000-word report was: "Cigarette smoking is a health hazard of sufficient importance in the United States to warrant appropriate remedial action." The smokers of pipes and cigars were found to incur less health risk. However, the incidence of cancer and heart disease among them was found to be greater than among nonsmokers.

(49) In the United States. per capita cigarette consumption — calculated for all persons 15 years of age and older, regardless of whether they smoked—rose from 49 per year in 1900 to 3,888 in 1960.