当前位置:考试网  > 试卷库  > 学历类  > 自考  > 自考专业(法律)  > 金融法  >  简述贷款活动的基本原则。
试题预览

简述贷款活动的基本原则。

查看答案
收藏
纠错
正确答案:

(1)合法原则。

即贷款应符合国家的法律、行政法规和金融监管机关发布的规章,任何不符合法律规定和监管规章的贷款行为,都是应当禁止的。

(2)应当遵循资金使用的安全性、流动性和效益性原则,这也是《商业银行法》对商业银行规定的基本经营原则。

(3)自愿、平等和诚实信用原则。

借款人与贷款人发生的借贷业务往来应当遵守自愿.平等、诚实信用的原则,借款人和贷款人在地位上是平等的,借贷行为是自愿的,执行借款合同是诚实信用的。这三个条件是市场经济存在与发展的基础,也是贷款业务的基础。

(4)公平竞争、密切协作的原则。

贷款人开展贷款业务应当公平竞争、密切协作,不得从事不正当的竞争行为。

答案解析:

暂无解析

你可能感兴趣的试题

金融租赁的对象一般是()。

我国农村信用社的入股方式是()。

我国管理和调节人民币汇率的机构是()。

我国《商业银行法》规定,商业银行资本充足率不得低于()。

商业银行

热门试题 更多>
Californiaisalandofvarietyandcontrast.Almosteverytypeofphysicallandfeature,sortofarcticicefieldsandtropicaljunglescanbefoundwithinitsborders.Sharplycontrastingtypesoflandoftenlieveryclosetooneanother.PeoplelivinginBakersfield,forinstance,canvisitthePacificOceanandthecoastalplain,thefertileSanJoaquinValley,thearidMojaveDesert,andthehighSierraNevada,allwithinaradiusofabout100miles.Inotherareasitispossibletogosnowskiinginthemorningandsurfingintheeveningofthesameday,withouthavingtotravellongdistance.ContrastaboundsinCalifornia.ThehighestpointintheUnitedStates(outsideAlaska)isinCalifornia,andsoisthelowestpoint(includingAlaska)。MountWhitney,14,494feetabovesealevel,isseparatedfromDeathValley,282feetbelowsealevel,byadistanceofonly100miles.Thetwoareashaveadifferenceinaltitudeofalmostthreemiles.Californiahasdeep,clearmountainlakeslikeLakeTahoe,thedeepestinthecountry,butitalsohasshallow,saltydesertlakes.IthasLakeTulainyo,12,020feetabovesealevel,andthelowestlakeinthecountry,theSaltonSea,236feetbelowsealevel.Someofitslakes,likeOwensLakeinDeathValley,arenotlakesatall:theyaredrieduplakebeds.Inadditiontomountains,lakes,valleys,deserts,andplateaus,CaliforniahasitsPacificcoastline,stretchinglongerthanthecoastlinesofOregonandWashingtoncombined. 1.WhichofthefollowingisthelowestpointintheUnitedStates? A.LakeTulainyoB.MojavedesertC.DeathValleyD.TheSaltonSea 2.WhereisthehighestpointintheUnitedStateslocated? A.LakeTahoe. B.SierraNevada.C.MountWhitney. D.Alaska. 3.HowfarawayisDeathValleyfromMountWhitney? A.About3miles. D.14,494feet. 4.WhichofthefollowingisNOTmentionedinthepassageasbeingwithinaradiusofabout100milesofBakersfield? A.ThePacificOcean. B.SanJoaquinValley. C.MojaveDesert. D.OregonandWashington. 5.WhichstatementbestdemonstratesthatCaliforniaisalandofvarietyandcontrast? A.ThehighestlakeinCaliforniaisLakeTulainyo. B.ItispossibletogosurfingandsnowskiinginsomepartsofCaliforniawithouthavingtotravellongdistance. C.SierraNevada,SanJoaquinValley,MojaveDesertandthePacificOceanallliewithinaradiusofabout100miles. D.OwensLake,inDeathValley,isnotreallyalakeatall.
试题分类: 专业英语八级
练习次数:3次
Iftheoldmaximthatthecustomerisalwaysrightstillhasmeaning,thentheairlinesthatplytheworld’sbusiestairroutebetweenLondonandParishaveaflightontheirhands. TheEurostartrainservicelinkingtheUKandFrenchcapitalsviatheChannelTunneliswinningcustomersinincreasingnumbers.InlateMay,itcarrieditsonemillionthpassenger,havingrunonlyalimitedservicebetweenLondon,ParisandBrusselssinceNovember1994,startingwithtwotrainsadayineachdirectiontoParisandBrussels.By1997,thecompanybelievesthatitwillbecarryingtenmillionpassengersayear,andcontinuetogrowfromthere. FromJuly,EurostarstepsitsservicetoninetrainseachwaybetweenLondonandParis,andfivebetweenLondonandBrussels.Eachtraincarriesalmost800passengers,210oftheminfirstclass. Theairlinesestimatethattheywillinitiallylosearound15%-20%oftheirLondon-ParistraffictotherailwaysonceEurostarstartsafullservicelaterthisyear(1995),with15trainsadayeachway.AsimilarservicewillstarttoBrussels.Thedamagewillbelimited,however,theairlinesbelieve,withpassengernumbersreturningtopreviouslevelswithintwotothreeyears. Intheshortterm,thedamagecausedbythe1millionpeople-levelstravelingbetweenLondonandParisandBrusselsonEurostartrainsmeansthatsomeairservicesarealreadysuffering.Someofthemajorcarrierssaythattheirpassengernumbersaredownbylessthan5%andpointtotheirrivals-ParticularlyAirFrance-ashavingsufferedtheproblems.OntheBrusselsroute,therailwaycompanyhadlesssuccess,andtheairlinesreportanythingfromarounda5%droptonovisibledeclineintraffic. Theairlines’optimismonreturningtrafficlevelsisbasedonhistoricalprecedent.BritishMidland,forexample,pointstoitsexperienceonHeathrowLeedsBradfordservicewhichsawpassengernumbersfoldby15%whenBritishRailelectrifiedandmodernizedtherailwaylinebetweenLondonandYorkshire.Twoyearslater,travelhadrisenbetweenthetwodestinationstothepointwheretheairlinewascarryingrecordnumbersofpassengers. 1.Britishairlinesconfideinthefactthat__. A.theyaremorepowerfulthanotherEuropeanairlines. B.theirtotallosswon’tgobeyondadropof5%passengers. C.theirtrafficlevelswillreturnin2-3years. D.travelingbyrailcannevercatchupwithtravelingbyair. 2.Theauthor’sattitudetowardsthedropofpassengersmaybedescribedas__. A.worried.B.delightedC.puzzled.D.unrivaled. 3.Inthepassage,BritishRail(Para6)ismentionedto__. A.provideacomparisonwithEurostar. B.supporttheairlines’optimism. C.provetheinevitabledropofairpassengers. D.callforelectrificationandmodernizationoftherailway. 4.Therailway’sBrusselsrouteisbroughtforthtoshowthat__. A.theEurostartrainserviceisnotdoinggoodbusiness. B.theairlinescanwellcompetewiththerailway. C.theEurostartrainserviceonlycausedlittledamage. D.onlysomeairlines,suchasAirFrance,aresuffering. 5.Thepassageistakenfromthefirstofanessay,fromwhichwemaywellpredictthatinthefollowingparttheauthorisgoingto__. A.praisetheairlines’clear-mindedness. B.warntheairlinesofhigh-speedrailservices. C.proposeareductionofLondon/Parisflights. D.advisetheairlinestofollowBritishMidlandastheirmodel.
试题分类: 大学英语六级
练习次数:0次
试题分类: 初级(口语)
练习次数:0次
SellingDigitalMusicwithoutCopy-protectionMakesSense A. Itwasuncharacteristicallylow-keyfortheindustry’sgreatestshowman.ButtheessaypublishedthisweekbySteveJobs,thebossofApple,onhisfirm’swebsiteundertheunassumingtitle“ThoughtsonMusic”hasnonethelessprovokedavigorousdebateaboutthefutureofdigitalmusic,whichAppledominateswithitsiPodmusic-playerandiTunesmusic-store.Atissueis“digitalrightsmanagement”(DRM)—thetechnologyguardingdownloadedmusicagainsttheft.SincethereisnocommonstandardforDRM,italsohastheside-effectthatsongspurchasedforonetypeofmusic-playermaynotworkonanother.Apple’sDRMsystem,calledFairPlay,isthemostwidespread.SoitcameasasurprisewhenMr.JobscalledforDRMfordigitalmusictobeabolished. B. ThisisachangeoftackforApple.IthascomeunderfirefromEuropeanregulatorswhoclaimthatitsrefusaltolicenseFairPlaytootherfirmshas“lockedin”customers.SincemusicfromtheiTunesstorecannotbeplayedonnon-iPodmusic-players(atleastnotwithoutalotoffiddling),anyiTunesbuyerwillbedeterredfromswitchingtoadevicemadebyarivalfirm,suchasSonyorMicrosoft.WhenFrenchlawmakersdraftedabilllastyearcompellingAppletoopenupFairPlaytorivals,thecompanywarnedof“state-sponsoredpiracy”.OnlyDRM,itimplied,couldkeepthepiratesatbay. C. ThisweekMr.JobsgaveanotherexplanationforhisformerdefenceofDRM:therecordcompaniesmadehimdoit.TheywouldmaketheirmusicavailabletotheiTunesstoreonlyifAppleagreedtoprotectitusingDRM.TheycanstillwithdrawtheircataloguesiftheDRMsystemiscompromised.ApplecannotlicenseFairPlaytoothers,saysMrJobs,becauseitwoulddependonthemtoproducesecurityfixespromptly.AllDRMdoesisrestrictconsumerchoiceandprovideabarriertoentry,saysMrJobs;withoutittherewouldbefarmorestoresandplayers,andfarmoreinnovation.So,hesuggests,whynotdoawaywithDRMandsellmusicunprotected?“Thisisclearlythebestalternativeforconsumers,”hedeclares,“andApplewouldembraceitinaheartbeat.” D. Whythesuddenchangeofheart?MrJobsseemschieflyconcernedwithgettingEurope’sregulatorsoffhisback.RatherthancomplainingtoAppleaboutitsuseofDRM,hesuggests,“thoseunhappywiththecurrentsituationshouldredirecttheirenergiestowardspersuadingthemusiccompaniestoselltheirmusicDRM-free.”Twoandahalfofthefourbigrecordcompanies,hehelpfullypointsout,areEuropean-owned.MrJobsalsohopestopainthimselfasaconsumerchampion.AppleresentsaccusationsthatithasbecometheMicrosoftofdigitalmusic. E. Applecanaffordtoembraceopencompetitioninmusicplayersandonlinestores.Consumerswouldgravitatetothebestplayerandthebeststore,andatthemomentthatstillmeansApple’s.MrJobsisevidentlyunfazedbyrivalstotheiPod.Sinceonly3%ofthemusicinatypicaliTuneslibraryisprotected,mostofitcanalreadybeusedonotherplayerstoday,henotes.(AndeventheprotectedtrackscanbeburnedontoaCDandthenre-ripped.)SoApple’sdominanceevidentlydependsfarmoreonbrandingandeaseofusethanDRM-related“lockin”. F. ThemusicgiantsaretryingDRM-freedownloads.Lotsofsmallerlabelsalreadysellmusicthatway.Havingseenwhichwaythewindisblowing,MrJobsnowwantstobeseennotasDRM’sdefender,butasaconsumerchampionwhohelpedinitsdownfall.Wouldn’titleadtoasurgeinpiracy?No,becausemostmusicisstillsoldunprotectedonCDs,peoplewishingtostealmusicalreadycandoso.Indeed,scrappingDRMwouldprobablyincreaseonline-musicsalesbyreducingconfusionandincompatibility.Withtheleadingonlinestore,Applewouldbenefitmost.MrJobs’sargument,inshort,istransparentlyself-serving.Italsohappenstoberight. NotestoReadingPassage1 1.low-key: 抑制的,受约束的,屈服的 2.showman: 开展览会的人,出风头的人物 3.unassuming: 谦逊的,不夸耀的,不装腔作势的 4.iPod: (苹果公司出产的)音乐播放器 5.iTunesstore: (苹果公司出产的)在线音乐商店 6.getoffperson’sback: 不再找某人的麻烦,摆脱某人的纠缠 7.gravitate: 受吸引,倾向于 8.unfazed: 不再担忧,不被打扰 Questions1-7 DothefollowingstatemetsreflecttheclaimsofthewriterinReadingPassage1? WriteyouranswerinBoxes1-7onyouranswersheet. TRUEifthestatementrefletstheclaimsofthewriter FALSEifthestatementcontradictstheclaimsofthewriter NOTGIVENifitisimpossbiletosaywhatthewriterthinksaboutthis 1.AppleenjoysacontrollingpositionindigitalmusicmarketwithitsiPodmusic-playerandiTunesmusic-store. 2.DRMisagovernmentdecreeissuedwithapurposetoprotectdownloadedmusicfromtheftbyconsumers. 3.LackofstandardizationinDRMmakessongsboughtforonekindofmusicplayermaynotfunctiononanother. 4.ApplehasbeencriticizedbyEuropeanregulatorssinceithasrefusedtograntalicenseFairPlaytootherfirms. 5.Allmusiccanbeeasilyplayedonnon-iPodmusicdevicesfromSonyorMicrosoftwithouttoomuchfiddling. 6.AppledependsfarmoreonDRMratherthanbrandingforitsdominanceofthedigitalmusicdevices. 7.IfDRMwascancelled,Sonywouldcertainlydominatetheinternationaldigitalmusicmarket. Questions8-10 ChoosetheappropriatelettersA-Dandwritetheminboxes8-10onyouranswesheet. 8.WhichofthefollowingstatementsaboutMr.Jobs’ideaofDRMisNOTTRUE? A.DRMplacesrestrictionsonconsumer’choiceofdigitalmusicproductsavailable. B.DRMcomplesiTunesbuyerstoswitchtoadevicemadebySonyorMicrosoft. C.DRMconstitutesabarrierforpotentialconsumerstoenterdigitalmusicmarkets. D.DRMhindersdevelopmentofmorestoresandplayersandtechnicalinnovation. 9.Theword“unfazed”inline3ofparagraphE,means___________. A.refused B.welcomed C.notbothered D.notwellreceived 10.WhichofthefollowingstatementsisTRUEifDRMwasscapped? A.Sonywouldgainthemostprofit. B.Morecustomerswouldbe“lockedin”. C.Asuddenincreaseinpiracywouldoccur. D.Online-musicsaleswouldprobablydecrease. Questions11-14 Completethenotesbelow. ChooseNOMORETHANTHREEWORDSfromReadingPassage1foreachanswer. Writeyouranswersinboxes11-14onyouranswersheet. Mr.SteveJobs,thebossofApple,explainsthereasonwhyheusedtodefendDRM,sayingthatthecompanywasforcedtodoso:therecordcompanieswouldmaketheirmusicaccessibleto…11...onlyiftheyagreedtoprotectitusingDRM;theycanstill…12…iftheDRMsystemiscompromised.HealsoprovidesthereasonwhyAppledidnotlicenseFairPlaytoothers:thecompanyreliesonthemto…13….ButnowhechangeshismindwithapossibleexpectationthatEurope’sregulatorswouldnottroublehimanymoreinthefuture.Heproposesthatthosewhoareunsatisfactorywiththecurrentsituationindigitalmusicmarketshould…14…towardspersuadethemusiccompaniestoselltheirmusicDRM-free.
试题分类: 阅读
练习次数:23次
Passage2 Questions6to10arebasedonthefollowingpassage: Thefoodweeatseemstohaveprofoundeffectsonourhealth.Althoughsciencehasmadeenormousstepsinmakingfoodmorefittoeat,ithas,atthesametime,mademanyfoodsunfittoeat.Someresearchhasshowntat40percentofcancerisrelatedtothedietaswell,especiallycancerofthecolon.Differentculturesatemorepronetogetcertainillnessesbecauseofthefoodthatischaracteristicinthesecultures.Thatfoodisrelatedtoillnessisnotanewdiscovery.In1945,governmentresearchersrealizedthatnitratesandnitrites,commonlyusedtopreservecolorinmeats,andotherfoodadditives,causedcancer.Yetthesecarcinogenicadditivesremaininourfood,anditbecomesmoredifficultallthetimetoknowwhichthingsonthepackaginglabelsofprocessedfoodarehelpfulorharmful.Theadditivesthatweeatarenotallsodirect.Farmersoftengivepenicillintobeefandpoultry,andbecauseofthis,penicillinhasbeenfoundinthemilkoftreatedcows.Sometimessimilardrugsareadministeredtoanimalsnotformedicinalpurposes,butforfinancialreasons.Thefarmersaresimplytryingtofattentheanimalsinordertoobtainahigherpriceonthemarket.AlthoughtheFoodandDrugAdministration(FDA)hastriedrepeatedlytocontroltheseprocedures,thepracticescontinue. 6.Howhassciencedoneadisservicetomankind? A.Becauseofscience,mostofthefoodsweeattodayarecontaminated. B.Ithascausedalackofinformationconcerningthevalueoffood. C.Asaresultofscientificintervention,somepotentiallyharmfulsubstanceshasbeenaddedtoourfood. D.Thescientistshavepreservedthecolorofmeats,butnotofvegetables. 7.Whatarenitratesusedfor? A.Theypreservesflavorinpackagedfoods. B.Theypreservethecolorofmeats. C.Theyaretheobjectsofresearch. D.Theycausetheanimalstobecomefatter. 8.TheFDAhastriedrepeatedlytocontrol. A.theattempttofattentheanimals B.theattempttocuresickanimals C.theusingofdrugstoanimals D.theusingofadditivestopreservethedoloroffood 9.Theword“carcinogenic”meansmostnearlythesameas. A.trouble-makingB.color-retaining C.money-savingD.cancer-causing 10.WhichofthefollowingstatementsisNOTtrue? A.Drugsarealwaysgiventoanimalsformedicalreasons. B.Someoftheadditivesinourfoodareaddedtothefooditselfandsomearegiventothelivinganimals. C.Researchershaveknownaboutthepotentialhazardsofthefoodadditivesforoverthirty-fiveyears. D.Foodmaycausefortypercentofcancerintheworld.
试题分类: 大学英语六级
练习次数:4次
Readthetextaboutcareer-planningservices. Choosethebestsentencefromtheoppositepagetofilleachofthegaps. Foreachgap9–14,markoneletter(A-H)onyourAnswerSheet. Donotuseanylettermorethanonce. Thereisanexampleatthebeginning.(0) YourCareerPathCanLeadYouAnywhere Weusedtobeadvisedtoplanourcareers.Weweretoldtomakeaplanduringthelaterstagesofoureducationandcontinuewithitthroughourworkinglives.(0)_____somepeoplestillseecareersinthisway.However,topursueasingleoptionforlifehasalwaysbeenunrealistic. Planningforasinglecareerassumesthatwesetoutwithafullunderstandingofourlikesanddislikesandtheemploymentopportunitiesopentous.(9)____Formostpeoplethisdegreeofcertaintyaboutthefuturedoesnotexist. Ourinitialchoiceofcareerpathandemployerisoftenbasedoninadequateknowledgeandfalseperceptions.Butwithageandexperience,wedevelopnewinterestsandaptitudesandourprioritiesalter.Thestructureoftheemploymentmarketand,indeedofemploymentitself,issubjecttochangeasbothnewtechnologiesandnewworksystemsareintroduced(10)_____Wemustfacetheuncertaintiesofaportfoliocareer. Itisclearfromtherecentpastthatwecannotforeseethechangeswhichwillaffectourworkinglives.Thepaceofchangeisaccelerating,asaresultofwhichtraditionalcareerplanswillbeofverylimiteduse.(11)_____Theywillneedupdatingtoreflectchangesinourowninterestsaswellasintheexternalworkenvironment.Flexibleworkersalreadyaccountforabouthalftheworkforce.(12)______Wearelikelytofaceperiodsascontractworkers,self-employedfreelances,consultants,tempsorpart-timers. Manyemployersencouragestafftowriteapersonaldevelopmentdevelopment(PDP)(13)_____Althoughsomepeopleuseitonlytoreviewtheskillsneededfortheirjob,aPDPcouldbethenucleusofwidercareerplan–settingoutalternativelong-termlearningneedsandaplanofself-development. AreportissuedbytheInstituteofEmploymentStudiesadvisespeopletoenhancetheiremployabilitybymovingfromtraditionaltechnicalskillstowardstheattainmentofarangeoftransferableskills.(14)_____Instead,specialschemesshouldbeestablishedtoencouragepeopletoexaminetheireffectivenessandtoconsiderawiderrangeofneeds. 0ABCDEFGH AThisdualeffectmeansthattherelationshipbetweenemployersandworkershasevolvedtosuchandextentthatwecannolongerexpectalong-termrelationshipwithoneemployer. B.Itcarriesanimplicitassumptionthatweourselves,andthejobsweenter,willchangelittleduringourworkinglives. C.Thisgrowthsuggeststhatacareerplanshouldnotbeexpressedonlyintermsoffull-timeemploymentbutshouldmakeprovisionforthepossibilityofbecomingoneofthe. Dthisisasummaryofone’spersonallearningneedsandanactionplantomeetthem. EConsequently,theymustnowaccommodateanumberofobjectivesandenableustoprepareforeachonacontingencybasis. FHowever,itwarnsthatemployersoftenidentifytrainingneedsthroughformalappraisals,whichtaketoonarrowaviewofdevelopment. G.Suchafreelanceofconsultantwouldbeconstantlyindemand. HWewereexpectedtoworktowardsthatonecleargoalandtoconsideracareerchangeasabadthing.
试题分类: 初级(阅读)
练习次数:0次
扫一扫,手机做题