问题 单项选择题

在保险公司为个人汽车贷款提供履约保证保险的过程中,下列关于银行可能面临的风险的表述错误的是( )。

A.保险公司依法解除保险合同,贷款银行的债权难以得到保障
B.免责条款成为保险公司的“护身符”,贷款银行难以追究保险公司的保险责任
C.保证保险的责任不仅限于贷款本金和利息,造成风险缺口
D.银保合作协议的效力有待确认,银行降低风险的努力难以达到预期效果

答案

参考答案:C

解析: 本题考查保险公司履约保证保险的相关内容。保证保险的责任限制会造成风险缺口。保证保险的责任范围仅限于贷款本金和利息,而并非像保证担保那样包括贷款本金及利息、违约金、损害赔偿金和实现债权的费用等。因此,如果单一地以保证保险作为个人汽车贷款的风险补偿措施,则难以覆盖全部贷款风险,留下风险缺口。

阅读理解

As soon as I saw her, I understood I was in trouble. The tiny 10-year-old girl was staring at me with that specific facial expression which probably only dentists have to enjoy all day long!

Whatever question I asked, whatever activity I suggested, her reaction was pretty much the same — she was frozen with horror. She was sent to our private language school after having been the worst in English at her key school with a pretty strict ELT syllabus(教学大纲), with her peers teasing her for her mistakes in English. Moreover, her state school teacher called her name. To make things worse, she was under pressure from her family for getting bad marks in English. She was definitely expecting me to carry on the same way with her.

I have to admit that I had been staring at her with probably the same expression for a while before eventually she handed in an absolutely incredible composition which I had previously asked the class to write. It was written in perfect handwriting, was full of clever ideas and had correct paragraphing. The girl got her first excellent mark in English, and I praised her generously and from then on I started using her writing skills to support the others. Before doing an oral retelling of a story, she wrote it down. Before presenting her oral project, she was allowed to do the same thing. The day she first put up her hand to orally answer my question addressed to the class I was incredibly happy.

She taught me how to approach withdrawn students — find the skill which they can excel at, in her case writing, and help the student use it to develop other skills!

小题1:The writer is probably a teacher    

A.in a language training center

B.in a private language school

C.in a state school

D.in a key public school小题2:The writer’s first impression of the little girl was that she was    

A.incredibly dull

B.hard to cope with

C.far too lovely

D.pretty confident小题3:The girl came to the school because    

A.she had some special skills

B.she was good at writing poems

C.she felt very uncomfortable at her previous school

D.she is poor at her pronunciation

单项选择题