问题 多项选择题

下列关于5Cs系统的说法,错误的有()。

A.品德仅指借款企业负责人的品德

B.资本是指借款人的财务状况及资本金状况,财务杠杆越低,意味着债务负担和违约概率低

C.还款能力主要从借款人未来现金流量变动趋势方面衡量

D.抵押贷款中,商业银行对抵押品的要求权级别越高,抵押品市场价值越小,贷款风险越低

E.经营环境主要包括商业周期所处阶段、借款人所在行业状况、利率水平等因素

答案

参考答案:A, C, D

解析:A选项品德是对借款人声誉的衡量;C选项还款能力即对借款人未来现金流变动趋势及波动性、借款人管理水平的衡量;D选项商业银行对抵押品的要求权级别越高,抵押品的市场价值越大,变现能力越强,则贷款的风险就越低。

完形填空
完形填空 (共15小题,每小题1分,满分15分)
All over the world people swim for fun. Swimming is enjoyed by people of 1Ages, from the very young to the very old. There are many places for people to swim in swimming pools. Many schools, hotels and clubs have swimming pools. Some people have pools of   2  in their yards.
Swimming is one of 3 forms of exercise. It can   4 hearts and bodies strong. It can also help blood circulate (循环). Handicapped people can keep their bodies in better condition by swimming  5 they can’t enjoy sports.
 6  is a good idea for parents to see to it (务必做到) that their children learn to swim  7  an early age. So their children will 8  it for the rest of their lives.
There are many rules for water safety. These rules can help save not only your life   9  the life of a friend. First of all, know 10  . Many schools   11  swimming lessons to children. Adults (成人) can learn to swim at public pools.   12   rule to remember is never to swim   13  . Always swim with a friend and know   14   in the water at all times. It is best to swim   15  in safe places if you are beginners. If everyone learned to swim and obeyed the rules for water safety, most drawing (溺水) could be avoided.
小题1:
A.allB.anyC.someD.both
小题2:
A.themselvesB.their ownC.theirs ownD.their own’s
小题3:
A.goodB.betterC.bestD.the best
小题4:
A.helpB.letC.makeD.show
小题5:
A.thoughB.as C.soD.until
小题6:
A.ThatB.ThereC.ThisD.It
小题7:
A.overB.during C.atD.on
小题8:
A.learnB.enjoyC.stopD.know
小题9:
A.and aimB.stillC.and yet D.but also
小题10:
A.how to swimB.why swimmingC.how swimmingD.why to swim
小题11:
A.haveB.takeC.giveD.make
小题12:
A.The other oneB.OtherC.An otherD.Another
小题13:
A.aloneB.yourselfC.lonelyD.together
小题14:
A.who that person isB.where that person is
C.who is that personD.where is that person
小题15:
A.nearlyB.hardlyC.almostD.only
填空题