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问题 判断题

商业银行对自雇人士申请个人住房贷款进行审核时不能仅凭个人开具的收人证明来判断其还款能力，应通过要求其提供有关资产证明、银行对账单、财务报表等，全面分析其还款能力。

答案

参考答案：对

解析：在审核个人住房贷款申请时，必须对借款人的收入证明严格把关，尤其是自雇人士或自由职业者。除了向借款人的工作单位、工商管理部门、税务部门以及征信机构等独立的第三方进行查证外，还应审查其纳税证明、资产证明、财务报表、银行账单等，确保第一还款来源真实、准确、充足。

单项选择题

女性腹腔最低部位是

A．子宫直肠窝

B．肝肾间隙

C．膀胱直肠窝

D．脾肾间隙

E．膀胱子宫窝
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填空题

It is clear that we are rapidly becoming a global culture. New forms of information technology, intercontinental travel, and the complex nature of economics are all elements in such a change. Japan, an ancient (1) culture, now dominates the West economically while its own traditional (2) is rapidly becoming (3) in the process.
It does not take a great deal of analysis to see the vast interchanges of cultural influences in the world today. The thirst for (4) fashions, popular music, and the other elements of consumer culture (5) great inroads in non-Western lands while the West seeks out everything from the religious traditions of the Ease (6) the art and music these countries produce. In the field of (7) , to cite one conspicuous example, contemporary readers seek books (8) those of the West. Latin American authors, as well as those from Africa, Asia, and India, now find appreciative audiences.
A (9) culture does not mean a unitary or "one world" culture. It does mean that people are increasingly aware of the diversity of culture. World events enter our living rooms so that things that may once have been (10) of as distant (11) now greet us immediately and in color. We may watch those events on a television made in Japan while wearing clothes sewn in Thailand and shoes made in Hungary while snacking (12) food grown in Mexico. Such an economic interdependence reflects the reality of a global banking system, the globalization of the economy, and the increasing (13) of information and information technologies.
(14) has this shrinking of distances (and attitudes) become more clear than in the academic debates over what constitutes a liberal (15) education today. Is it possible (or desirable) to have the Western core of humanities (16) the center-piece of a curriculum The place of non-Western and non-traditional cultures as part of the general (17) of a student is hotly argued in educational circles. The very fact of that discussion (18) to the emergence of a global consciousness with a continued shrinking of parochial attitudes. The (19) that such globalization is hotly debated only emphasizes the profound nature of the (20) taking place in our culture.
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