问题 单项选择题

在依据“5C”系统原理确定信用标准时,应掌握客户“能力”方面的信息,下列各项指标中最能反映客户“能力”的是()。

A.净经营资产利润率

B.杠杆贡献率

C.现金流量比率

D.长期资本负债率

答案

参考答案:C

解析:所谓“5C”系统是指评估顾客信用品质的五个方面,即品质、能力、资本、抵押和条件。其中“能力”指偿债能力,主要指企业流动资产的数量和质量以及与流动负债的比例条件,所以应主要指短期偿债能力;所有选项中只有选项C属于短期偿债能力的指标。

单项选择题

I will never forget the year I was about twelve years old. My mother told us that we would not be (16) Christmas gifts because there was not enough money. I felt sad and thought, "What would I say when the other kids asked what I’ d (17) " Just when I started to (18) that there would not be a Christmas that year, three women (19) at our house with gifts for all of us. For me they brought a doll. I felt such a sense of (20) that I would no longer have to be embarrassed when I returned to school. I wasn’t (21) . Somebody had thought (22) of me to bring me a gift.

Years later, when I stood in the kitchen of my new house, thinking how I wanted to make my (23) Christmas there special and memorable, I (24) remembered the women’s visit. I decided that I wanted to create that same feeling of (25) for as many children as I could possibly reach.

So I (26) a plan and gathered forty people from my company to help. We gathered about 125 orphans (孤儿) at the Christmas party. For every child, we wrapped colorful packages filled with

toys, clothes, and school supplies, (27) with a child’ s name. We wanted all of them to know they were (28) Before I called out their names and handed them their gifts, I (29) them that they couldn’t open their presents (30) every child had come forward. Finally the (31) they had been waiting for came as I called out, "One, two, three. Open your presents!" As the children opened their packages, their faces beamed and their bright smiles (32) up the room. The (33) in the room was obvious, and (34) wasn’ t just about toys. It was a feeling, and the feeling I knew (35) that Christmas so long ago when the women came to visit. I wasn’t forgotten. Somebody thought of me. I matter.

17().

A. found

B. prepared

C. got

D. expected

单项选择题 案例分析题