问题 单项选择题

下列关于商业银行在贷款分类中的做法,不正确的是()。

A.建立完整的信贷档案,保证分类资料信息准确、连续、完整

B.开发和运用信贷资产风险分类操作实施系统和信息管理系统

C.保证信贷资产分类人员具备必要的分类知识和业务素质

D.检查、评估的频率每年不得少于两次

答案

参考答案:D

解析:商业银行在贷款分类中应当做到:1.制定和修订信贷资产风险分类的管理政策、操作实施细则或业务操作流程;2.开发和运用信贷资产风险分类操作实施系统和信息管理系统;3.保证信贷资产分类人员具备必要的分类知识和业务素质;4.建立完整的信贷档案,保证分类资料信息准确、连续、完整;5.建立有效的信贷组织管理体制,形成相互监督制约的内部控制机制,保证贷款分类的独立、连续、可靠。D选项不属于商业银行在贷款分类中的要求,而且检查评估的频率每年不得少于一次。

阅读理解

阅读理解。

     "Mister D'Arcy is not a policeman. He is, however, very wise. He knew the police would search his

apartment. He also knew how police think. So, he did not hide the letter where he knew they would look

for it.

      "Do you remember how Germont laughed when I said the mystery was difficult for him to solve because

it was so simple?"

     Dupin filled his pipe with tobacco and lit it."Well, the more I thought about it, the more I realized the police

could not find the letter because D'Arcy had not hidden it at all.

     "So I went to visit D'Arcy in his apartment. I took a pair of dark green eyeglasses with me. I explained to

him that I was having trouble with my eyes and needed to wear the dark glasses at all times. He believed me.

The glasses permitted me to look around the apartment while I seemed only to be talking to him.

     "I paid special attention to a large desk where there were a lot of papers and books. However, I saw

nothing suspicious there. After a few minutes, however, I noticed a small shelf over the fireplace. A few

postcards and a letter were lying on the shelf. The letter looked very old and dirty.

      "As soon as I saw this letter, I decided it must be the one I was looking for. It must be, even though it

was completely different from the one Germont had described.

     "This letter had a large green stamp on it. The address was written in small letters in blue ink. I memorized

every detail of the letter while I talked to D'Arcy. Then when he was not looking, I dropped one of my gloves

on the floor under my chair.

     "The next morning, I stopped at his apartment to look for my glove. While we were talking, we heard

people shouting in the street. D'Arcy went to the window and looked out. Quickly, I stepped to the shelf and

put the letter in my pocket. Then I replaced it with a letter that looked exactly like it, which I had made it the

night before.

     "The trouble in the street was caused by a man who had almost been run over by a horse and carriage. He

was not hurt. And soon the crowd of people went away. When it was over, D'Arcy came away from the

window. I said goodbye and left.

     "The man who almost had an accident was one of my servants(雇员). I had paid him to create the

incident."

     Dupin stopped talking to light his pipe. I did not understand."But, Dupin," I said,"why did you go to the

trouble of replacing the letter? Why not just take it and leave?"

     Dupin smiled."D'Arcy is a dangerous man," he said."And he has many loyal servants. If I had taken the

letter, I might never have left his apartment alive."

1. What is Dupin probably?

A. An actor.

B. A professor.

C. An official.

D. A detective.

2. Which of he following about Dupin's dropping one of his gloves is NOT true?

A. He dropped it intentionally.

B. He dropped it carelessly.

C. He dropped it in order to drop in on D'Arcy again.

D. He dropped it to make an excuse.

3. According to the text, we can infer _______.

A. the letter Dupin took away was exactly the one he wanted.

B. the incident in the street was directed by Dupin.

C. Mr. D'Arcy and Dupin were good friends.

D. Dupin should have taken the letter away directly.

4. Which would be the best title for the text?

A. The stolen letter

B. An unexpected accident

C. A dangerous man

D. The frightening apartment

问答题 简答题