问题 多项选择题

关于个人贷款还款方式,下列说法正确的是()。

A.对收入增加的客户,可采取增大累进额、缩短间隔期等办法,使借款人分期还款额增多、从而减少借款人的利息负担

B.如果预期未来收入呈递减趋势,可选择等比递增法,减少利息支出

C.还款期间,每个阶段约定偿还的本金在规定的年限中按等额本金的方式计算每周偿还额

D.按月还息、到期一次性还本还款法,一般适用于期限在1年以上的贷款

E.等额累进还款法和等比累进还款法相似的特点是当借款人还款能力发生变化时,可通过调整累进额或间隔期来适应客户还款能力的变化

答案

参考答案:A, E

解析:

B项,如果预期未来收入呈递增趋势,可选择等比递增法,减少提前还款的麻烦;如果预期未来收入呈递减趋势,则可选择等比递减法.减少利息支出;C项,还款期间,每个阶段约定偿还的本金在规定的年限中按等额本息的方式计算每月偿还额,未归还的本金部分按月计息,两部分相加即形成每月的还款金额;D项,按月还息、到期一次性还本还款法,即在贷款期限内每月只还贷款利息,贷款到期时一次性归还贷款本金,此种方式一般适用于期限在1年以内(含1年)的贷款。

单项选择题

补全短文:下面的短文有5处空白,短文后有6个句子,其中5个取自短文,请根据短文内容将其分别放回原有位置,以恢复文章原貌。

Wrongly Convicted Man and His Accuser Tell Their Story。

NEW YORK,NY, January 5,2010. St.Martin’s Press has announced the release of the paperback edition of Picking Cotton, a remarkable true story of what novelist John Grisham calls an “account of violence, rage, redemption(救赎),and, ultimately forgiveness.”  

The story began in 1987, in Burlington, North Carolina, with the rape of a young while college student named Jennifer Thompson. During her ordeal, Thompson swore to herself that she would never forget the face of her rapist, a man who climbed through the window of her apartment and assaulted her brutally.________(1) When the police asked her if she could identify the assailant(袭击者) from a book of mug shots, she picked one that she was sure was correct, and later she identified the same man in a lineup.

Based on her convincing eyewitness testimony, a 22-year-old black man named Ronald Cotton was sentenced to prison for two life terms. Cotton’s lawyer appealed the decision, and by the time of the appeals hearing, evidence had come to light suggesting that the real rapist might have been a man who looked very like Cotton, an imprisoned criminal named Bobby Poole._______ (2) Jennifer Thompson looked at both men face to face, and once again said that Ronald Cotton was the one who raped her.

Eleven years later, DNA evidence completely exonerated(证明……清白) Cotton and just as unequivocally(明确地) convicted Poole, who confessed to the crime. ________(3) “The man I was so sure I had never seen in my life was the man who was inches from my throat, who raped me, who hurt me, who took my spirit away, who robbed me of my soul,” she wrote. “And the man I had identified so surely on so many occasions was absolutely innocent.”

_______ (4) Remarkably both were able to put this tragedy behind them, overcome the racial barrier that divided them, and write a book, which they have subtitled “Our memoir of injustice and redemption.”

Nevertheless, Thompson says, she still lives “with constant pain that my profound mistake cost him so dearly______ (5)”

48 (单项选择题)          

A.Thompson was shocked and devastated.

B.Another trial was held.

C.I cannot begin to imagine what would have happened had my mistaken identification occurred in a capital case.

D.During the attack, she made an effort to memorize every detail of his face , looking for scars , tattoos (纹身) or other identifying marks.Jennifer

E.Many criminals are sent to prison on the basis of accurate testimony by eyewitnesses.

F.Jennifer Thompson decided to meet Cotton and apologize to him personally.

单项选择题