问题 多项选择题

某商业银行决定推出一批新型理财产品,但该业务品种在已获批准的业务范围之外。该银行在报批的同时要求下属各分行开展试销。对此,下列哪些选项是正确的?()

A.该业务品种应由中国银监会审批

B.该业务品种应由中国人民银行审批

C.因该业务品种在批准前即进行试销,有关部门有权对该银行进行处罚

D.该业务品种在批准前进行的试销交易为效力待定的民事行为

答案

参考答案:A, C

解析:

《银行业监督管理法》第22条规定,国务院银行业监督管理机构应当在规定的期限,对下列申请事项作出批准或者不批准的书面决定;决定不批准的,应当说明理由……增加业务范围内的业务品种……由此可推断,题中某商业银行的新型理财产品应由中国银监会审批,A项正确,B项错误。《银行业监管法》第45条规定,银行业金融机构有下列情形之一的,由国务院银行业监督管理机构责令改正,有违法所得的,没收违法所得……(3)违反规定从事未经批准或者未备案的业务活动的……该商业银行在其业务品种批准前就进行试销,有关部门有权对该商业银行进行处罚,C项正确。根据《合同法》第47条、第48条、第51条,限制民事行为能力人订立的合同、无权代理订立的合同、无处分权的人处分他人财产的合同,均属效力待定。该银行在其业务品种批准前进行的试销交易行为因为其缺乏相应的行为能力而归于无效,而不是效力待定,D项错误。 

【考点】:商业银行的业务

判断题
单项选择题

(一)

Motherhood may make women smarter and may help prevent dementia in old age by bathing the brain in protective hormones, US reseachers reported on Thursday.

Tests on rats show that those who raise two or more litters of pups do considerably better in tests of memory and skills than rats who have no babies, and their brains show changes that suggest they may be protected against diseases such as Alzheimer’s. University of Richmond psychology professor Craig Kinsley believes his findings will translate into humans.

"Our research shows that the hormones of pregnancy are protecting the brain, including estrogen, which we know has many neuroprotective effects," Kinsley said.

"It’s rat data but humans are mammals just like these animals are mammals," he added in a telephone interview. "They go through pregnancy and hormonal changes. "

Kinsley said he hoped public health officials and researchers will look to see if having had children protects a woman from Alzheimer’s and other forms of age-related brain decline.

"When people think about pregnancy, they think about what happens to babies and the mother from the neck down," said Kinsley, who presented his findings to the annual meeting of the Society of Neuroscience in Orlando, Florida.

"They do not realize that hormones are washing on the brain. If you look at female animals who have never gone through pregnancy, they act differently toward young. But if she goes through pregnancy, she will sacrifice her life for her infant—that is a great change in her behavior that showed in genetic alterations to the brain. \

Which title is the best for this passage()

A.Do You Want to Be Smarter

B.Motherhood Makes Women Smarter

C.Mysterious Hormones

D.An Important Study