问题 多项选择题

质押担保的法律风险主要有()。

A.非为被监护人利益以其所有权利进行质押

B.质押物价值不足值或质押率偏高

C.质押物不合法

D.对于无处分权的权利进行质押

E.以非法所得、不当得利所得的权利进行质押

答案

参考答案:A, C, D, E

解析:

质押担保目前主要是权利质押,较多的是存单、保单、国债、收费权质押。

主要风险在于:

①质押物的合法性;

②对于无处分权的权利进行质押;

③非为被监护人利益以其所有权利进行质押;

④非法所得、不当得利所得的权利进行质押等。

单项选择题
阅读理解

阅读理解

     Sandra Cisneros was born in Chicago in 1954 to a Mexican American family. As the only girl in a

family of seven children,she often felt like she had "seven fathers",because her six brothers,as well as her

father,tried to control her. Feeling shy and unimportant,she retreated(躲避) into books. Despite her love of reading,she did not do well in elementary school because she was too shy to participate.

     In high school,with the encouragement of one particular teacher,Cisneros improved her grades and

worked for the school literary magazine. Her father encouraged her to go to college because he thought it would be a good way for her to find a husband. Cisneros did attend college,but instead of searching for a

husband,she found a teacher who helped her join the famous graduate writing program at the University of Iowa. At the university's Writers' Workshop,however,she felt lonely-a Mexican American from a poor

neighborhood among students from wealthy families. The feeling of being so different helped Cisneros find her "creative voice."

     "It was not until this moment when I considered myself truly different that my writing acquired a voice. I knew I was a Mexican woman,but I didn't think it had anything to do with why I felt so much imbalance in my life,but it had everything to do with it! That's when I decided I would write about something my

classmates couldn't write about."

     Cisneros published her first work,The House on Mango Street,when she was twentynine. The book

tells about a young Mexican American girl growing up in a Spanishspeaking area in Chicago,much like the neighborhoods in which Cisneros lived as a child. The book won an award in 1985 and has been used in

classes from high school through graduate school level. Since then,Cisneros has published several books of poetry,a children's book,and a shortstory collection.

1. Which of the following is TRUE about Cisneros in her childhood?

A. She had seven brothers.  

B. She felt herself a nobody.

C. She was too shy to go to school.  

D. She did not have any good teachers.

2. The graduate program gave Cisneros a chance to ________.

A. work for a school magazine      

B. run away from her family

C. make a lot of friends      

D. develop her writing style

3. According to Cisneros,what played the decisive role in her success?

A. Her early years in college.      

B. Her training in the Workshop.

C. Her feeling of being different.    

D. Her childhood experience.

4. What do we learn about The House on Mango Street?

A. It is quite popular among students.

B. It is the only book ever written by Cisneros.

C. It wasn't a success as it was written in Spanish.

D. It won an award when Cisneros was twentynine.

5.  According to the text,we know that ________.

A. her brothers treated him very kindly  

B. she didn't enjoy reading

C. she met a Mexican American girl  

D. she lived an uneasy life in her childhood