I have a little brother who is 11 years this year. We get on well with each other and have had a good times together. Several days ago, I bought a book to him. The book is written by those which have won Nobel Prize and it aim to help children learn about the unknown world. Before I bought the book, I have read it. I felt that it is a good book for him, because he is interesting in new things and has so much questions. I hope that through reading book, my brother can learn more about the world and know how to do a good person.

以下属于次级类贷款的主要特征的有（）。

A.贷款的抵押品、质押品价值下降

B.银行对贷款缺乏有效的监督

C.借款人支付出现困难，并且难以按市场条件获得新的资金

D.借款人不能偿还对其他债权人的债务

E.借款人采取隐瞒事实等不正当手段套取贷款