问题 单项选择题

关于公积金个人住房贷款的货币管理,下列说法错误的是()。

A.按照委托协议,承办银行应定期对公积金贷款的办理情况进行检查

B.按委托协议的约定,公积金管理中心应定期(每月、每季、每年)按比例将委托贷款手续费划归给承办银行

C.在贷款催收中,逾期90天以内的,选择短信、电话和信函等方式进行催收

D.逾期120天以上,将对拒不还款的借款人提起诉讼,对抵押物进行处置

答案

参考答案:D

解析:逾期180天以上,承办银行将对拒不还款的借款人提起诉讼,对抵押物进行处置;处分抵押物所得价款用于偿还贷款利息、罚金及本金。

单项选择题
单项选择题

Anyone who doubts that children are born with a healthy amount of ambition need spend only a few minutes with a baby eagerly learning to walk or a headp toddler starting to talk. No matter how many times the little ones stumble in their initial efforts, most keep on trying, determined to master their amazing new skill. It is only several years later, around the start of middle or junior high school, many psychologists and teachers agree, that a good number of kids seem to lose their natural drive to succeed and end up joining the ranks of underachievers. For the parents of such kids, whose own ambition is often inseparately tied to their children’s success, it can be a bewildering, painful experience. So it is no wonder some parents find themselves hoping that ambition can be taught like any other subject at school.

It’s not quite that simple. "Kids can be given the opportunities, but they can’t be forced. " says Jacquelynne Eccles, a psychology professor at the University of Michigan who led a study examining what motivated first-and seventh-graders in three school districts. Even so, a growing number of educators and psychologists do believe it is possible to unearth ambition in students who don’t seem to have much. They say that by instilling confidence, encouraging some risk taking, being accepting of failure and expanding the areas in which children may be successful, both parents and teachers can reignite that innate desire to achieve.

Dubbed Brainology, the unorthodox approach uses basic neuroscience to teach kids how the brain works and how it can continue to develop throughout life. The message is that everything is within the kids’ control, that their intelligence is malleable.

Some experts say our education system, with its p emphasis on testing and rigid separation of students into different levels of ability, also bears blame for the disappearance of drive in some kids. Some educators say it’s important to expose kids to a world beyond homework and tests, through volunteer work, sports, hobbies and other extracurricular activities. "The crux of the issue is that many students experience education as irrelevant to their life goals and ambitions. " says Michael Nakkula, a Harvard education professor who runs a Boston-area mentoring program called Project IF (Inventing the Future), which works to get low-income underachievers in touch with their aspirations. The key to getting kids to aim higher at school is to tell them the notion that classwork is irrelevant is not true, to show them how doing well at school can actually help them fulfill their dreams beyond it. Like any ambitious toddler, they need to understand that they have to learn to walk before they can run.

The passage is mainly about ().

A. when in one’s life ambition is most needed

B. what to do to reform the education system

C. why parents of underachievers are ambitious

D. how to help school children develop their ambition