【多选题】
委托贷款与公积金贷款发放审核时应确保资料齐全，包括___
A. 放款通知书
B. 委托贷款借款合同
C. 委托贷款协议书
D. 入账通知书
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答案
ABC
解析
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相关试题
【多选题】
委托贷款及公积金贷款归还需注意___
A. 公积金贷款归还后，需手工将公积金贷款本息挂账户中的本金、利息转入公积金贷款管理中心的结算账户。
B. 归还类型为提前还本和提前结清时，需要先由客户经理在信贷系统审批通过。
C. 若验印结果为人工通过，需要会计主管授权。
D. 归还欠款时，还款类型只能选归还欠款。
E. 同一贷款帐号下，如果当天先做过提前还本，之后再做提前结清，系统会报错，需将提前还本冲账后再处理提前结清。
【多选题】
银团贷款是指由不少于___家获准经营贷款业务的银行业金融机构基于相同贷款条件，依据同一贷款合同，按约定时间和比例，通过代理行向借款人提供的本外币贷款或授信业务。
A. 1
B. 2
C. 3
D. 4
【多选题】
本行担任牵头行时，承贷份额原则上不得少于银团融资总金额的___；分销给其他银团成员的份额原则上不得低于（ ）。
A. 20% 50%
B. 30% 60%
C. 20% 60%
D. 30% 50%
【多选题】
以下说法正确的是：___
A. 银团贷款牵头行是指经借款人同意，负责发起组织银团、分销银团贷款份额的银行。
B. 参加行是指接受牵头行邀请，参加银团并按照协商确定的承贷份额向借款人提供贷款的银行。
C. 代理行可以由牵头行担任或银团贷款成员协商确定，但借款人的附属机构或关联机构不得担任代理行。
D. 银团贷款是指由三家或三家以上获准经营贷款业务的银行业金融机构基于相同贷款条件，依据同一贷款合同，按约定时间和比例，通过代理行向借款人提供的本外币贷款或授信业务。
【多选题】
除微型贷、循环贷外，普通贷款、银团贷款的以下几种情况均使用3001交易___
A. 我行作为代理行时，我行出资部分的贷款发放
B. 代理行发放参加行银团贷款
C. 我行只作为参加行的贷款发放
【多选题】
以下哪些有关银团贷款的说法是正确的___
A. 如果银团贷款还款进行冲账，必须所有成员行全部冲账，参加行的贷款不仅要冲贷款还款，还要冲联动的转账交易。
B. 参加行的贷款还款可以用转账归还，也可以用现金归还。
C. 还款类型为提前还本和提前结清时，需要信贷审批通过才能操作。
D. 我行只作为参与行的银团贷款的利息如与我行计提不一致时，应先进行还款再做利息调整。
E. 银团贷款还款无论哪一种还款类型都必须所有成员行一起还。
【多选题】
循环贷款期限根据借款人的授信用途、还款能力和担保方式等因素综合确定，授信期限最长不超过___年（含），在授信有效期内贷款期限最长不超过（ ）年（含），不得展期。
A. 1，1
B. 1，3
C. 3，1
D. 3，3
【多选题】
循环贷采用按月付息方式，贷款期间的每月___日，本行计算机系统将自动从借款人指定的兰花卡结算账户中扣除应付利息，遇账户余额不足未能按时支付利息的，本行将按有关规定计收复息。借款人授信到期或指定结算账户需结清时，必须利随本清。
A. 10
B. 15
C. 20.
D. 25
【多选题】
循环贷款授信用于循环贷款发放前的额度审批，授信额度最高 万元，其中信用贷款最高为 万元。___
A. 100万、50万
B. 50万、30万
C. 50万、20万
D. 100万、80万
【多选题】
循环贷款在授信期间执行___，由（ ）根据市场变化和国家利率政策变动等综合因素确定并适时发布利率区间
A. 浮动利率；总行
B. 浮动利率；各分支行
C. 固定利率；总行
D. 固定利率；各分支行
【多选题】
以下关于循环贷款的说法正确的是___。
A. 循环贷款是指针对农、林、牧、渔等用途发放的贷款。
B. 循环贷款可以在授信期限内分次提款、循环使用。
C. 循环贷款在支取不超过可用额度的单笔款项时，也需要再次审批
D. 循环贷款的最高授信额度为30万元
【多选题】
当循环贷借款人因非恶意欠息造成的冻结，由借款人提出申请经本行认定借款人仍符合业主循环贷申请条件后由___进行审批通过后给予解冻处理。
A. 主办客户经理
B. 分管行长
C. 总行授信部审核岗
D. 总行授信部审批岗
【多选题】
三十三、当借款人出现以下哪些情况时，冻结授信额度，不再发放后续贷款。___
A. 部分贷款逾期或者连续欠息三个月以上，系统自动冻结总授信额度。
B. 若借款人资信发生重大变化或出现本行认为可能影响后续贷款风险控制的情况，可在柜面手工冻结总授信额度。
C. 兰花卡/金融IC卡对应结算账户被有权机关冻结，系统会联动到冻结界面做全额冻结。
D. 账户状态属于止付_存款证明。
【多选题】
业主循环贷的申请条件包括___
A. 持有有效身份证件，年龄在18周岁（含）至60周岁（含）,身体健康，具有完全民事行为能力的自然人。
B. 在经办行所在地具有常住户口或有效居留证明，有固定住所。
C. 在经办行所在地有固定经营场所，小微企业和个体工商户要求正常经营时间在1年（含）以上
D. 借款人本人在本行开立兰花卡个人结算账户，同意并授权本行按合同约定从其个人兰花卡结算账户中扣收贷款本息。
E. 借款人经营实体资信状况良好，借款人必须是法人代表、实际经营者（控制人）或主要股东。
【多选题】
借款人出现以下情况时，业主循环贷款的额度将被系统自动冻结___。
A. 资信发生重大变化
B. 兰花卡挂失
C. 贷款出现欠息连续三个月以上（增加）
D. 账户被冻结
E. 额度全部使用完毕
【多选题】
下列关于循环贷说法正确的有___
A. 对于归还当日借款的冲账，“贷款/透支账号”需要输入透支账号。
B. 对于还款的冲账，“贷款/透支账号”需要输入贷款账号。
C. 授信状态如为“全额冻结”时，如果有当日借款发生的，可以归还当日借款。
D. 贷款采取“一次核定、随用随贷、余额控制、周转使用”的授信管理方式。
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【单选题】
11. How do you like the dishes, Eric?
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12. ______ Lin Feng has to work late, she always wears a smile on her face.
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【单选题】
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14. We will have a _________ holiday after the exam．
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【单选题】
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【单选题】
18. —We can invite our teachers to the farewell party next Saturday.
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A. what for B. what C. why not D. why
A. A
B. B
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【单选题】
19.You can ________ ask the old man to move away to any other place because he has lived ________ here for at least sixty years．
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A. A
B. B
C. C
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【单选题】
20.—I’m going back to see my grandparents this weekend．
—________．
A. It’s very nice of you B. You’d better hurry
C. Say goodbye to them D. Give my best wishes to them
A. A
B. B
C. C
D. D
【单选题】
21.—Why not take ____ umbrella with the sign “Made in China”? It is useful.
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A. A
B. B
C. C
D. D
【单选题】
22. —Do you know the boy________ is sitting next to Peter?
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A. A
B. B
C. C
D. D
【单选题】
23. It was dark, ______ I couldnt see what was happening.
A. or B. though C. but D. so
A. A
B. B
C. C
D. D
【单选题】
24.—You can use MSN to talk with Vivien on the Internet.
—I know. But can you tell me ________?
A. what I can use it B. when I can use it
C. why can I use it D. how can I use it
A. A
B. B
C. C
D. D
【单选题】
25. _______ are you going to the School Uniform Exhibition, Amy ?
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A. What B. Where C. Which D. Why
A. A
B. B
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【单选题】
( ) 26. Where does the writer of "The little Prince" come from?
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A. A
B. B
C. C
D. D
【单选题】
( ) 27. What does the prince do after the fox tells him a secret?
A．He cares more about a flower and a sheep．
B．He meets many more strange adults on other planets．
C．He realizes his love for the rose and he goes back to his planet．
D．He discovers interesting things such as a snake, other roses and a fox
A. A
B. B
C. C
D. D
【单选题】
( ) 28. What does "The little Prince" mainly talk about? It' s about _________．
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A. A
B. B
C. C
D. D
【单选题】
( ) 29. What is the writer's main purpose（目的）in writing this passage？
A．To tell the readers his life story．
B．To tell people what kind of person his father was．
C．To tell the readers what present he got from his father．
D． To let people know how poor he was．
A. A
B. B
C. C
D. D
【单选题】
( ) 30. Why did the father not ask his son not to do this and do that？
A．Because he felt quite confident of his son．
B．Because he was born from a poor family．
C．Because he was a man of few words．
D．Because he didn't want to be much too strict with his son．
A. A
B. B
C. C
D. D
【单选题】
( ) 31. What would someone learn from this passage？
A．How to live by oneself． B．How to stand on one's own feet．
C．What a good father should do． D．What the self-important is like．
A. A
B. B
C. C
D. D
【单选题】
( ) 32. What may be the proper Chinese for the underlined part in the passage？
A．闲暇时光 B．学费 C．精神空虚 D．经济不足
A. A
B. B
C. C
D. D
【单选题】
( ) 33. Why did Natalie Smith pay for the six cars behind her?
A. She had seven tickets.
B. She hoped to please others.
C. She knew the car drivers well.
D. She wanted to show kindness.
A. A
B. B
C. C
D. D
【单选题】
( ) 34. Judy Foreman copied down the phrase because she ___ .
A. thought it was beautifully written
B. wanted to know what it really meant
C. decided to write it on a warehouse wall
D. wanted her husband to put it up in the classroom
A. A
B. B
C. C
D. D
【单选题】
( ) 35. Who came up with the phrase according to the passage?
A. Judy Foreman. B. Natalie Smith. C. Anne Herbert D. Alice Johnson.
A. A
B. B
C. C
D. S
【单选题】
( ) 36. What can we infer from the last paragraph?
A. People should practice random kindness to those in need.
B. People who receive kindness are likely to offer it to others.
C. People should practice random kindness to strangers they meet.
D. People who receive kindness are likely to pay it back to the giver.
A. A
B. B
C. C
D. D
【单选题】
( ) 37.The greatest river for navigation is ___________.
A. the Nile B. the Amazon C. the Mekong D. the Mississippi
A. A
B. B
C. C
D. D
【单选题】
( ) 38. From a dam, people can use the water for ___________.
A. keeping the rivers clean B. only making electricity
C. irrigation and making electricity D. washing clothes
A. A
B. B
C. C
D. D
【单选题】
( ) 39. The water in the river is polluted because of _____________.
A. people's drinking water too much B. people's swimming in the river too much
C. chemicals and other materials D. people's building a dam across a river
A. A
B. B
C. C
D. D
【单选题】
( ) 40. The best title of the passage is ___________.
A. Rivers in Cities B. The importance of Rivers
C. Transportation D. Natural Resources
A. A
B. B
C. C
D. D
