问题 单项选择题

银行从业人员的以下做法中合理的是( )。

A.客户送给其贵重的钻石项链

B.节日客户送来贺卡

C.在谈业务时主动提出给客户相关的调研费

D.接受客户贵重礼品后同意在办理业务时给予优惠

答案

参考答案:B

解析: 此题考查的是银行从业人员职业操守问题。主要是涉及收送礼物问题。 银行从业人员职业操守要求银行从业人员在政策法律和商业习惯允许的范围内可以收送礼物,但应确保其价值不超过法律和所在机构运行范围,且应遵循以下原则:礼物收送将不会影响是否与礼物提供方建立业务联系的决定,或使礼物接受方产生交易的义务感;礼物收送不会使客户获得不适当的价格或服务上的优惠。而钻石项链属于贵重物品,不符合商业习惯。提供调研费也属于现金,且与业务有直接联系,可能会使客户产生交易义务,在收送礼物后给客户获得了不适当的价格或服务优惠,他们的行为都违背了这一准则,故不合理。只有送节日贺卡是符合商业习惯的,且不会影响正常交易。

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单项选择题

Passage Two

Gene therapy and gene-based drugs are two ways we could benefit from our growing mastery of genetic science. But there will be others as well. Here is one of the remarkable therapies on the cutting edge of genetic research that could make their way into mainstream medicine in the coming years.

While it’s true that just about every cell in the body has the instructions to make a complete human, most of those instructions are inactivated, and with good reason: the last thing you want for your brain cells is to start churning out stomach acid or your nose to turn into a kidney. The only time cells truly have the potential to turn into any and all body parts is very early in a pregnancy, when so-called stem cells haven’t begun to specialize.

Yet this untapped potential could be a terrific boon to medicine. Most diseases involve the death of healthy cells--brain cells in Alzheimer’s, cardiac cells in heart disease, pancreatic cells in diabetes, to name a few. If doctors could isolate stem cells, then direct their growth, they might be able to furnish patients with healthy replacement tissue.

It was incredibly difficult, but last fall scientists at the University of Wisconsin managed to isolate stem cells and get them to grow into neural, gut, muscle and bone cells. The process still can’t be controlled, and may have unforeseen limitations. But if efforts to understand and master stem-cell development prove successful, doctors will have a therapeutic tool of incredible power.

The same applies to cloning, which is really just the other side of the coin; true cloning, as first shown with the sheep Dolly two years ago, involves taking a developed cell and reactivating the genome within, resetting its developmental instructions to a pristine state. Once that happens, the rejuvenated cell can develop into a full-fledged animal, genetically identical to its parent.

For agriculture, in which purely physical characteristics like milk production in a cow or low fat in a hog have real market value, biological carbon copies could become routine within a few years. This past year scientists have done for mice and cows what Ian Wilmot did for Dolly, and other creatures are bound to join the cloned menagerie in the coming year.

Human cloning, on the other hand, may be technically feasible but legally and emotionally more difficult. Still, one day it will happen. The ability to reset body cells to a pristine, undeveloped state could give doctors exactly the same advantages they would get from stem cells: the potential to make healthy body tissues of all sorts, and thus to cure disease. That could prove to be a true "miracle cure."

The author believes in the passage that ().

A.there will inevitably be human cloning in the coming year

B.the potential to make healthy body tissues is undoubtedly a boon to human beings

C.it is illegal to clone any kind of creatures in the world

D.it is legal to clone any kind of creatures in the world except human