问题 多项选择题

个人住房贷款档案包括的内容有()。

A.委托转账付款授权书

B.房屋他项权利证明书

C.符合规定的购买住房意向书、合同书或其他有效文件

D.贷款银行认可部门出具的借款人经济收入和偿债能力证明

E.借款人身份证件(居民身份证、户口本或其他有效证件)

答案

参考答案:A, B, C, D, E

解析:除ABCDE五项外,个人住房贷款档案中的借款人的相关资料还包括:购房交易收件收据;所购住房的估价证明;抵押物或质物清单、权属证明、有处分权人同意抵押或质押的证明及有权部门出具的抵押物估价证明;保证人资信证明及同意提供担保的文件;个人住房借款申请审批表;借款合同;抵押合同(质押合同、保证合同);保险合同、保险单据;个人住房贷款凭证。

单项选择题

Friday marks the 40th anniversary of one of the biggest, most expensive, most destructive social policy experiments in American history: The war on drugs. On the morning of June 17, 1971, President Richard Nixon, speaking from the Briefing Room of the White House, declared: "America’s public enemy No. 1 in the United States is drug abuse. In order to fight and defeat this enemy, it is necessary to wage a new, all-out offensive. I have asked the Congress to provide the legislative authority and the funds to fuel this kind of an offensive. This will be a worldwide offensive dealing with the problems of sources of supply, as well as Americans who may be stationed abroad, wherever they are in the world. "

So began a war that has waxed and waned, ,sputtered and sprinted, until it became an unmitigated disaster, an abomination of justice and a self-perpetuating, trillion-dollar economy of wasted human capital, ruined lives and decimated communities. Since 1971, more than 40 million arrests have been conducted for drug-related offenses. And no group has been more targeted and suffered more damage than the black community. As the American Civil Liberties Union pointed out last week, "The racial disparities are staggering: despite the fact that whites engage in drug offenses at a higher rate than African-Americans, African-Americans are incarcerated for drug offenses at a rate that is: 10 times greater than that of whites. "

An effort meant to save us from a form of moral decay became its own insidious brand of moral perversion-turning people who should have been patients into prisoners, criminalizing victimless behavior, targeting those whose first offense was entering the world wrapped in the wrong skin. It feeds our overwhelming thirst for punishment.

Last week, the Report of the Global Commission on Drug Policy, a 19-member commission that included Kofi Annan, a former U. N. secretary general, declared that: "The global war on drugs has failed, with devastating consequences for individuals and societies around the world. Fifty years after the initiation of the U.N. Single Convention on Narcotic Drugs, and 40 years after President Nixon launched the U. S. government’s war on drugs, fundamental reforms in national and global drug control policies are urgently needed. "

The White House immediately shot back: no dice. The Obama administration presented a collection of statistics that compared current drug use and demand with the peak of the late 1970s, although a direct correlation between those declines and the drug war are highly debatable. In doing so, it completely sidestepped the human, economic and societal toll of the mass imprisonment of millions of Americans, many for simple possession.

No need to put a human face on 40 years of folly when you can wrap up its inefficacy in a patchwork quilt of self-serving statistics.

From the second paragraph we learn that the war on drugs()

A. has failed to achieve its alleged objectives

B. has turned out to be an attack on innocent people

C. has been wrongly targeted at the Black people

D. has heightened the tension between ethnic groups

问答题 简答题