【单选题】
个人客户申请贷款应具备以下哪种基本条件（）。___
A. 具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人。
B. 用途明确合法。
C. 申请数额、期限合理。
D. 以上都是
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答案
D
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相关试题
【单选题】
对个人信贷业务审核的主要内容包括哪几项（）。___
A. 客户主体资格、贷款条件、贷款用途、贷款金额、贷款期限等是否符合相关业务管理办法的规定。
B. 申报资料是否完整、合规，申请书、审批表所填内容要素是否完整。
C. 客户经理出具的调查报告是否客观、详实
D. 以上都是
【单选题】
个人客户申请借款时应具备的基本条件包括：（）、用途明确合法、申请数额期限合理、具备还款意愿和还款能力、信用状况良好、在农信社开立金燕卡或个人结算账户。___
A. 具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人。
B. 具有完全民事行为能力的中华人民共和国人民
C. 中华人民共和国公民
D. 任何人
【单选题】
个人信贷业务调查的内容包括：（）、个人资信情况调查、个人资产与负债情况调查、贷款用途及还款来源的调查、对担保方式的调查。___
A. 个人基本情况调查
B. 个人家庭成员情况
C. 个人邻居情况
D. 个人亲戚情况
【单选题】
个人信贷业务的受理阶段包括（）。___
A. 客户申请、资格审查、客户提交材料、材料初审
B. 资格审查、客户申请、客户提交材料、材料初审
C. 客户申请、客户提交材料、资格审查、材料初审
D. 材料初审、客户申请、资格审查、客户提交材料
【单选题】
客户经理收到客户申请材料后，对审查材料具体要求不包括（）。___
A. 提交的材料是否齐全,要素是否符合农信社要求。
B. 客户及保证人、出质人、抵押人的身份证件是否真实、有效。
C. 担保材料是否符合有关规定
D. 是否在信用社办理金燕卡
【单选题】
个人基本情况调查包括（）。___
A. 验证客户、担保人提交的身份证件及其他有效证件是否真实有效，是否与本人一致，是否经有权部门签发，是否在有效期内等。
B. 调查确定客户提供的居住情况、婚姻状况、家庭情况、联系电话等是否真实。
C. 调查确定客户提供的职业情况、所在单位的任职情况等是否真实。
D. 以上全是
【单选题】
在信贷资金总量一定的情况下，信贷资金周转速度、流动性、安全性、效益性的关系是（）。___
A. 周转速度快，流动性就越强，安全性就越能得保证。但效益性较差
B. 周转速度快，流动性就越强，安全性就差，效益性较差
C. 周转速度慢，流动性就越差，安全性也就越差，效益性较差
D. 周转速度慢，流动性就越差，安全性也就越好，效益性较好
【单选题】
下列属于直接融资的行为有（）。___
A. 何某向工商银行借款100000元专门用于其企业的工程结算
B. A公司向B公司投入资金8000000元，并占有B公司30%的股份
C. A公司通过融资机构向B公司借款600000元
D. 何某通过金融机构借入资金120000元
【单选题】
下列关于贷款种类说法，错误的是（）___
A. 按照贷款币种可分为人民币贷款和外币贷款
B. 按照贷款期限可分为短期贷款和中长期贷款
C. 按照贷款对象可分为生产企业贷款和外商投资企业贷款
D. 按照贷款利率可分为浮动利率贷款和固定利率贷款
【单选题】
下列不属于间接融资的行为有（）。___
A. 文小姐向银行借款10万元专门用于其房屋装修
B. A公司购入B公司20%的股权，价值80万元
C. 赵小姐春节期间通过信用卡透支了2万元购买年货
D. 郑先生通过银行贷款购买了一辆车
【单选题】
关于商业银行“安全性、流动性和效益性原则”的说法，不正确的是（）。___
A. 为了保证贷款的安全性，商业银行需要合理安排贷款的种类和期限
B. 在信贷资金总量一定的情况下，资金的周转速度加快，效益性相应较差
C. 在贷款规模一定的情况下，一般贷款期限越长，收益越大
D. 贷款期限越长，安全性越高
【单选题】
公司信贷的借款人指（）___
A. 经工商行政管理机关(或主管机关)核准登记的自然人
B. 经行政机关核准登记的企(事)业法人
C. 经行政机关核准登记的自然人
D. 经工商行政管理机关(或主管机关)核准登记的企(事)业法人
【单选题】
以下关于流动比率和企业资产的变现能力关系的说法中，正确的是（）___
A. 流动比率越高，说明企业资产的变现能力越强
B. 流动比率越高，说明企业资产的变现能力越弱
C. 流动比率越低，说明企业资产的变现能力越强
D. 流动比率与企业资产的变现能力没有关系
【单选题】
法人贷款业务，申请信贷业务的客户应当是经（）核准登记的企业（事业）法人其他经济组织。___
A. 工商行政管理机关（或主管机关）
B. 国税局
C. 人民银行
D. 农村信用社
【单选题】
下列关于资产负债率的论述中，错误的是（）___
A. 资产负债率=负债合计÷资产合计×100%
B. 资产负债率=资产合计÷负债合计×100%
C. 资产负债率反映项目各年负债水平、财务风险及偿债能力
D. 银行从债权安全的角度考虑，总希望借款人的负债水平低一点
【单选题】
下列公式中，不能反映存货周转速度的是（）___
A. 销货成本/平均存货余额×100%
B. 存货平均余额×计算期天数/销货成本
C. 计算期天数/存货周转次数
D. (期初存货余额+期末存货余额)/2
【单选题】
下列不属于企业财务状况风险的是（）___
A. 借款人在银行的存款有较大幅度下降
B. 应收账款异常增加
C. 流动资产占总资产比重下降
D. 短期负债增加适当，长期负债大量增加
推荐试题
【简答题】
In August, the French and Russian armies engaged at Smolensk, in a battle that left over ten thousand dead on each side. Yet, the Russians were again able to retreat farther into Russian territory. Napoleon had won no decisive victory. He was now faced with a crucial decision. Should he continue to pursue the Russian army? Or should he keep his army in Smolensk for the approaching winter?
【简答题】
Napoleon took the gamble of pressing on to Moscow, 448 kilometers away. On September 7, 1812, the French and Russian armies met in fierce battle at Borodino, 112 kilometers west of Moscow. By nightfall, thirty thousand French and forty-four thousand Russians lay dead or wounded on the battlefield.
【简答题】
Again, the Russian army retreated to safety. Napoleon had a clear path to Moscow, but the occupation of the city became an empty victory. The Russians fled their capital. Soon after the French arrived, a raging fire destroyed two-thirds of the city. Napoleon offered a truce to Alexander I, but the Russian czar knew he could bide his time: "We shall let the Russian winter fight the war for us."
【简答题】
Napoleon soon realized he could not feed, clothe, and quarter his army in Moscow during the winter. In October 1812, he ordered his Grand Army to retreat from Moscow.
【简答题】
The French retreat turned into a nightmare. From fields and forests, the Russians launched hit-and-run attacks on the French. A short distance from Moscow, the temperature had already dropped to minus 4 degrees Celsius. On November 3, the winter's first snow came. Exhausted horses fell dead in their tracks. Cannon became stuck in the snow. Equipment had to be burned for fuel. Soldiers took ill and froze to death. The French soldiers dragged on, leaving the dead along every mile.
【简答题】
As the Russian army was gathering its strength, the French had to flee Russia to avoid certain defeat. At the Berezina River, the Russians nearly trapped the retreating French by burning the bridges over the swollen river. But Napoleon, by a stroke of luck, was able to build two new bridges. Thousands of French soldiers escaped, but at the cost of fifty thousand dead. Once across the Berezina, the tattered survivors limped toward Vilna.
【简答题】
Of the six hundred thousand soldiers Napoleon had led into Russia, less than one hundred thousand came back. The weakened French army continued its retreat westward across Europe. Soon, Britain, Austria, Russia, and Prussia formed a powerful alliance and attacked these stragglers. In March 1814, Paris was captured. Napoleon abdicated and went into exile, his empire at an end.
【简答题】
By early 1941, Adolf Hitler, leader of Nazi Germany, had seized control of most of Europe. To the east of Hitler's German empire was the Soviet Union. On June 22, 1941, without a declaration of war, Hitler began an invasion of the Soviet Union that was the largest military land campaign in history. Confident of a quick victory, Hitler expected the campaign to last no longer than three months. He planned to use the blitzkrieg, or "lightning war," tactics that had defeated the rest of Europe. The invasion had three broad thrusts: against Leningrad and Moscow and through the Ukraine.
【简答题】
Caught off guard by the invasion, Soviet leader Joseph Stalin instructed the Russian people to "scorch the earth" in front of the German invaders. Farms and factories were burned, destroyed, or rendered useless. During the first ten weeks of the invasion, the Germans pushed the front eastward, and the Russians suffered more than a million casualties.
【简答题】
In the north, the Germans closed in on Leningrad. Despite great suffering, however, the people of Leningrad refused to surrender. As the battle of Leningrad dragged on into winter, the city's situation became desperate. As food ran out, people died from hunger and disease. By the middle of the winter of 1941-1942, nearly four thousand people starved to death every day. Close to one million people died as a result of the siege.
【简答题】
In the center of Russia, Hitler's goal was the capture of Moscow. Because the Germans had anticipated a quick victory, they had made no plans for winter supplies. October arrived with heavy rains. "General Mud" slowed down the movement of the Germans' lightning attack.
【简答题】
As Hitler's armies drew closer and closer to Moscow, an early, severe winter settled over the Soviet Union, the harshest in years. Temperatures dropped to minus 48 degrees Celsius. Heavy snows fell. The German soldiers, completely unprepared for the Russian winter, froze in their light summer uniforms. The German tanks lay buried in the heavy snowbanks. The Russian winter brought the German offensive to a halt.
【简答题】
By the summer of 1942, Hitler had launched two new offensives. In the south, the Germans captured Sevastopol. Hitler then pushed east to Stalingrad, a great industrial city that stretched for 48 kilometers along the Volga River. Despite great suffering, Soviet defenders refused to give up Stalingrad.
【简答题】
In November 1942, the Russians launched a counterattack. With little or no shelter from the winter cold in and around Stalingrad, German troops were further weakened by a lack of food and supplies. Not until January 1943 did the Germans give up their siege. Of the three hundred thousand Germans attacking Stalingrad, only ninety thousand starving soldiers were left. The loss of the battle for Stalingrad finally turned the tide against Hitler. The German victories were over, thanks in part to the Russian winter.
【简答题】
During 1943 and 1944, the Soviet armies pushed the German front back toward the west. In the north, the Red Army broke the three-year siege of Leningrad with a surprise attack on January 15, 1944. Within two weeks, the heroic survivors of Leningrad saw their invaders depart. By March 1944, the Ukraine farming region was again in Soviet hands. On May 9, 1944, Sevastopol was liberated from the Germans. The Russians were now heading for Berlin.
【简答题】
For Hitler, the invasion of the Soviet Union had turned into a military disaster. For the Russian people, it brought unspeakable suffering. The total Soviet dead in World War II reached almost 23 million.
【简答题】
The elements of nature must be reckoned with in any military campaign. Napoleon and Hitler both underestimated the severity of the Russian winter. Snow, ice, and freezing temperatures took their toll on both invading armies. For the Russian people, the winter was an icy defender.
【单选题】
病媒生物的死体样本运送，如果4h-24h内能到达实验室的，应将样品置于-30℃冷冻后再送样，运送过程中箱内温度应保持在________。___
A. 4℃以下
B. 0℃以下
C. -20℃以下
D. 4℃以上
【单选题】
对于用作虫媒病毒分离或检测的蚊类标本，现场采集后应采用_______方式处置和运送。___
A. 杀虫剂熏杀+常温运输
B. 等蚊虫自然死亡+常温运输
C. 冷冻处死+常温运输
D. 冷冻处死+冷冻状态运输
【单选题】
截获输入性活鼠或来自鼠疫流行区死鼠及经总署专家组确认和复核属于全国口岸首次截获的病媒生物应在______报告总署。___
A. 2小时之内
B. 8小时之内
C. 12小时之内
D. 24小时之内
【单选题】
入境船舶的蚊类和蝇类等双翅目病媒生物监测调查应白天在检疫锚地停泊期间进行，锚位距陆地距离不少于______，或在船舶靠泊后_____内进行。___
A. 1000 m；1h
B. 800 m、2 h
C. 400 m、4 h
D. 100 m、24 h
【单选题】
在国境口岸或者交通工具上发现______有反常死亡或者死因不明的，国境口岸有关单位或者交通工具的负责人，必须立即向卫生检疫机关报告，迅速查明原因，实施卫生处理。___
A. 蚊类
B. 鼠类
C. 蝇类
D. 蜚蠊
