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问题 单项选择题

根据材料回答下列问题
秦先生目前有存款5万元，打算5年后买房。秦先生预计今年年底年收入为10万元，以后每年有望增加5%，每年的储蓄比率为50%。假设秦先生的投资报酬率为10%，秦先生买房时准备贷款20年，计划采用等额本息还款方式，假设房贷利率为6%。

秦先生可负担的房贷为( )万元。

A．66.7

B．76.7

C．46.7

D．56.7

答案

参考答案：B

解析： 可负担房贷=以未来购房时年收入为年金的年金现值×年收入中可负担贷款的比率上限 未来购房时(第六年)年收入中可负担贷款的部分为：121551×(1+10%)×0.5=66853(元)，贷款利率为6%(N=20，I/Y=6，PMT=66853，CPT PV，PV=766799)，因此，可负担的贷款部分为76.7万元。

多项选择题

一般地说，跨国经营企业所面临的经营环境包括（）.

A.文化环境

B.政治环境

C.法律环境

D.社会环境
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单项选择题

Losing a job or not being able to find one almost always brings unwelcome changes. If you’’ve lost a job, the first feeling is often one of shock. On top of the loss of income, many people find the whole routine of their life is shattered, their contact with other people reduced, their ambitions halted and their identity as a worker removed.There may be good feelings too — it’’s nice to be able to lie in bed in the morning, to spend more time with children, or to have more time to think — a better job may be just around the corner. But, unless a better job does turn up, chances are the days start getting longer and the time becomes harder to fill. Many people pass through periods of difficulty in sleeping and eating. They feel irritable and depressed, often isolated and lonely.Despite all these problems, unemployment can be a chance for a fresh start. You can discover that it provides an opportunity to sort out or rethink what you want from life and how best you can get it. You can use the time to plan how to find a new job, learn a new skill, develop your hobbies, see if you can run your own business, do some voluntary work in your community or meet new people. It’’s up to you.

The unemployed become finally disillusioned when they________.

A．have nothing more to think about

B．are unable to improve their position

C．get tired of playing with their children

D．can no longer lie in bed in the morning
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