问题 多项选择题

下列选项中,属于个人债务管理中应当注意的事项有( )。

A.债务重组

B.债务支出与家庭收入的合理比例

C.短期债务与长期债务的合理比例

D.债务期限与家庭收入的合理关系

E.债务总量与资产总量的合理比例

答案

参考答案:A,B,C,D,E

解析: 债务重组是实现财务状况改善的重要方式。债务总量与资产总量的合理比例,比如总负债一般不要超过净资产;债务支出与家庭收入的合理比例概念上说是0.4,但还要考虑家庭结余比例、收入变动趋势、利率走势等其他因素;短期债务和长期债务的比例没有一定之规,但要充分考虑债务的时间特性和客户生命周期以及家庭财务资源的时间特性要匹配;债务期限与家庭收入的合理关系,比如还贷款的期限不要超过退休的年龄。

阅读理解

Frogs are animals that can live both in water and on land. There are more than 5,000 kinds of frogs on the earth. The earliest known frogs lived about 190 million years ago and the frogs today still look the same. Here are some fun things that you might not know about frogs. Enjoy!

The Biggest and the Smallest Frogs

Some frogs can be very big. The biggest kind of frog is the Goliath Frog in West Africa. Its body can be nearly 30cm long, about the size of a large cat. The Gold Frog and the Poison Frog are the smallest frogs in the world. They are less than 1cm long. Though the Poison Frog is very small, it is not weak at all. It is dangerous. Any animal that eats it will die very soon.

The Best Jumpers

Frogs are very good at jumping. They developed jumping legs so that they would not be eaten by other large animals. Using their big strong legs, more frogs can jump over 20 times their own length. The Australian Rocket Frog can even jump over 2m, which is 50 times its body length (5.5 cm). That might be the reason why frogs are called the best jumpers on the earth.

The Cryogenic Animal

Some frogs like the Common Wood Frog have a special ability to live in very cold places. When the temperature goes down, they become ice frogs. 2/3of their body water freezes. Their hearts stop, and their breathing stops too. You may think they are dead, but in fact they are not. Maybe we humans can learn the way that the frogs do for medical purpose.

小题1:The earliest frogs lived about          million years ago.

A.20

B.30

C.50

D.190小题2:      can jump over 2m.

A.The Goliath Frog

B.The Common Wood Frog

C.The Poison Frog

D.The Australian Rocket Frog小题3:What will happen to a Common Wood Frog at very low temperature?

A.It will die very soon.

B.It will be an ice frog.

C.It will become dangerous.

D.It will become very small.

单项选择题 配伍题