简述银行避免贷款期限过度集中的原因和方法。
银行避免贷款期限过度集中的原因：
贷款集中到期而不能收回，会造成银行资金头寸短缺，既影响存款的支付，又影响新增贷款需求的满足，从而最终影响银行资金的流动性。
银行避免贷款期限过度集中的方法：
要均衡分布贷款的到期日，避免贷款期限的过度集中，必须保持贷款户数及平均贷款规模的适度分散。在贷款总量为一定的条件下，贷款客户越多，每户贷款的额度越少，贷款的期限越分散，收回到期贷款的可能性也越大，从而有利于提高银行资金的流动性。
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Writing：
The76thAnnualAcademyAwardsattractedtheattentiono{anunprecedentednumberofChinesethankstocompleteliveTVcoverage.However,exceptforCouchingTigerHiddenDragon,directedbyTaiwanesefilmmakerAnLee,nootherChinesefilmhasevenbeennominatedforanOscaraward.ShouldourdomesticfilmsaimatthisHollywoodawardorisitsomeoneelse'sgame?Writeacompositionofabout400wordstostateyourview.
Inthefirstpartofyouressayyoushouldstateclearlyyourmainargument,andinthesecondpartyoushouldsupportyourargumentwithappropriatedetails.Inthelastpartyoushouldbringwhatyouhavewrittentoanaturalconclusionormakeasummary.
Youshouldsupplyanappropriatetitleforyouressay.
Markswillbeawardedforcontent,organization,grammarandappropriateness.Failuretofollowtheaboveinstructionsmayresultinalossofmarks.
Hearrived____London____acoldwinternight.
Thebike____hewenttoschoolwasstolenlastweek,whichmadehimfeelsad.
Tom,withhisparents______toAmerica.They_____backintwoweeks.
WhenIgotoutofthecarandwalkedaboutamongthem,____oneoldmanwhoshookhisheaddisapprovingly,theyallbegantocheer.
