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金融信用信息基础数据库作为我国重要的金融基础设施,《条例》对其有什么规定?

答案

参考答案:

由中国人民银行组建、中国征信中心运行维护的我国金融信用信息基础数据库运行8年来,已收录1800多万户企业、8亿多个人的有关信息。为明确金融信用信息基础数据库的运行和监管依据,发挥好金融信用信息基础数据库的重要作用,保障信息主体合法权益,《条例》对其作了专门规定。

《条例》规定,金融信用信息基础数据库由国家设立,为防范金融风险,促进金融业发展提供相关信息服务。金融信用信息基础数据库由不以营利为目的的专业机构建设、运行和维护;该专业机构由国务院征信业监督管理部门监督管理。

金融信用信息基础数据库的运行应遵守《条例》中征信业务规则的有关规定。从事信贷业务的机构有义务向金融信用信息基础数据库提供个人和企业的信贷信息,提供时需要取得信息主体的书面同意,提供个人不良信息应提前通知信息主体。金融信用信息基础数据库为信息主体和取得信息主体书面同意的金融机构和其他使用者提供查询服务。国家机关可以依照有关法律、行政法规的规定查询金融信用信息基础数据库的信息。

阅读理解

阅读理解。

     You either have it, or you don't- a sense of direction, that is. But why is it that some people could find their

way across the Sahara without a map, while others can lose themselves in the next street?

     Scientists say we're all born with a sense of direction, but it is not properly understood how it works. One

theory is that people with a good sense of direction have simply worked harder at developing it. Research being

carried out at Liverpool University supports this idea and suggests that if we don't use it, we lose it.

     "Children as young as seven have the ability to find their way around. Says Jim Martland, Research Director of the project." However, if they are not allowed out alone or are taken everywhere by car, they never develop

the skills."

     Jim Martland also emphasizes that young people should be taught certain skills to improve their sense of

direction. He makes the following suggestions:

     If you are using a map, turn it so it relates to the way you are facing.

     If you leave your bike in a strange place, put it near something like a big stone or a tree. Note landmarks on

the route as you go away from your bike. When you return, go back along the same route.

     Simplify the way of finding your direction by using lines such as streets in a town. Streams, or walls in the

countryside to guide you. Count your steps so that you know how far you have gone and note any landmarks

such as tower blocks or hills which can help to find out where you are. Now you need never get lost again!

1. Scientists believe that ______.

A. some babies are born with a sense of direction

B. people learn a sense of direction as they grow older

C. people never lose their sense of direction

D. everybody possesses a sense of direction from birth

2. What is true of seven-year-old children according to the passage?

A. They never have a sense of direction without maps.

B. They should never be allowed out alone if they lack a sense of direction.

C. They have a sense of direction and can find their way around.

D. They can develop a good sense or direction if they are driven around in a car.

3. If you leave your bike in a strange place, you should ______.

A. tie it to a tree so as to present it from being stolen.

B. draw a map of the route to help remember where it is.

C. avoid taking the same route when you come back to it.

D. remember something easily recognized on the route.

4. According to the passage, the best way to find your way around is to ______.

A. ask policemen for directions.

B. use walls, streams and streets to guide yourself.

C. remember your route by looking out for steps and stairs.

D. count the number of landmarks that you see.

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