开放作文。

     根据下面提示，写一篇短文，字数不少于50。

     In your spoken English class, your teacher shows you the following picture. You are asked to describe

the picture and explain how you understand it.

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贷后检查是指通过现场或非现场方式，通过对借款人用信情况进行调查，从而对单笔（户）贷款的风险状况进行认定的行为。