问题 判断题

票据贴现实质上是银行以票据为担保而对持票人发放的一种贷款。( )

答案

参考答案:

解析: 票据贴现指银行以购买借款人未到期商业票据的方式发放的贷款,即票据收款人在票据到期以前将票据权利转让给银行,并贴付一定利息从银行取得现款的一种短期融资方式。实质上是银行以票据为担保而对持票人发放的一种贷款。

补全对话,情景问答
单项选择题

Many theories concerning the causes of juvenile delinquency(crimes committed by young people) focus either on the individual or on society as the major contributing influence. Theories (91) on the individual suggest that children engage in criminal behavior (92) they were not sufficiently penalized for previous misdeeds or that they have learned criminal behavior through (93) with others. Theories focusing on the role of society suggest that children commit crimes in (94) to their failure to rise above their socioeconomic status, (95) as a rejection of middle, class values.
Most theories of juvenile delinquency have focused on children from disadvantaged families, (96) the fact that children from wealthy homes also commit crimes. The latter may commit crimes (97) lack of adequate parental control. All theories, however, are tentative and are (98) to criticism.
Changes in the social structure may indirectly (99) juvenile crime rates. For example, changes in the economy that (100) to fewer job opportunities for youth and rising unemployment (101) make gainful employment increasingly difficult to obtain. The resulting discontent may in (102) lead more youths into criminal behavior.
Families have also (103) changes these years. More families consist of one-parent households or two working parents; (104) , children are likely to have less supervision at home (105) was common in the traditional family (106) . This lack of parental supervision is thought to be an influence on juvenile crime rates. Other (107) causes of offensive acts include frustration or failure in school, the increased (108) of drugs and alcohol, and the growing (109) of child abuse and child neglect. All these conditions tend to increase the probability of a child committing a criminal act, (110) a direct causal relationship has not yet been established.

A.expense

B.restriction

C.allocation

D.availability