【单选题】
If a person finds getting up early a problem, most probably ________.___
A. he is a lazy person
B. he refuses to follow his own energy cycle
C. he is not sure when his energy is low
D. he is at his peak in the afternoon or evening
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答案
D
解析
暂无解析
相关试题
【单选题】
Which of the following may lead to family quarrels according to the passage?___
A. Unawareness of energy cycles.
B. Familiar monologues.
C. A change in a family member's energy cycle.
D. Attempts to control the energy cycle of other family members.
【单选题】
If one wants to work efficiently at his low point in the morning, he should __________.___
A. change his energy cycle
B. overcome his laziness
C. get up earlier than usual
D. go to bed earlier
【单选题】
You are advised to rise with a yawn and stretch because it will __________.___
A. help to keep your energy for the day's work
B. help you to control your temper early in the day
C. enable you to concentrate on your routine work
D. keep your energy cycle under control all day
【单选题】
Which of the following statements is NOT true?___
A. Getting off to work with a minimum effort helps save one's energy.
B. Dr. Kletman explains why people reach their peaks at different hours of day.
C. Habit helps a person adapt to his own energy cycle.
D. Children have energy cycles, too.
【单选题】
An effective way to prevent the burnout of young athletes is __________.___
A. to increase their sense of success
B. to make sports less competitive
C. to reduce their mental stress
D. to make sports more challenging
【单选题】
According to the passage sport is positive for young people in that __________.___
A. it can help them learn more about society
B. it enables them to find flaws in themselves
C. it teaches them how to set realistic goals for themselves
D. it can provide them with valuable experiences
【单选题】
Many coaches and parents are in the habit of criticizing young athletes __________.___
A. without realizing criticism may destroy their self-confidence
B. in order to make them remember life's lessons
C. believing that criticism is beneficial for their early development
D. so as to put more pressure on them
【单选题】
According to the passage parents and coaches should __________.___
A. help children to win every game
B. pay more attention to letting children enjoy sports
C. train children to cope with stress
D. enable children to understand the positive aspect of sports
【单选题】
The author's purpose in writing the passage is _________.___
A. to persuade young children not to worry about criticism
B. to stress the importance of positive reinforcement to children
C. to discuss the skill of combining criticism with encouragement
D. to teach young athletes how to avoid burnout
【单选题】
As pointed out at the beginning of the passage, people used to think that air pollution _______.___
A. cause widespread damage in the countryside
B. affected the entire eastern half of the United States
C. had damaged effect on health
D. existed merely in urban and industries areas
【单选题】
As to the greenhouse effect, the author ________.___
A. share the same view with the scientist
B. is uncertain of its occurrence
C. rejects it as being ungrounded
D. thinks that it will destroy the world soon
【单选题】
The underlined word "offset" in the second paragraph could be replaced by _________.___
A. slip into
B. make up for
C. set up
D. catch up with
【单选题】
It can be concluded that ____________.___
A. raising the world's temperature only a few degrees would not do much harm to life on earth
B. lowering the world's temperature merely a few degrees would lead major farming areas to disaster
C. almost no temperature variations have occurred over the past decade
D. the world's temperature will remain constant in the years to come
【单选题】
This passage is primarily about __________.___
A. the greenhouse effect
B. the burning of fossil fuels
C. the potential effect of air pollution
D. the likelihood of a new ice age
【单选题】
What is the major function of paragraph 1?___
A. To arouse the reader's concern.
B. To introduce the theme of the whole passage.
C. To summarize the whole passage.
D. To state the primary uses of TV.
【单选题】
Television, as a source of entertainment, is ________.___
A. not very convenient
B. very expensive
C. quite dangerous
D. relatively cheap
【单选题】
Why are some people against TV?___
A. Because TV programs are not interesting.
B. Because TV viewers are totally passive.
C. Because TV prices are very high.
D. Because TV has both advantages and disadvantages.
【单选题】
One of the most obvious advantages of TV is that _________.___
A. it keeps us informed
B. it is very cheap
C. it enables us to have a rest
D. it controls our lives
【单选题】
According to the passage, whether TV is good or not depends on ___________.___
A. its quality
B. people's attitude towards it
C. how we use it
D. when we use it
【单选题】
What regulation was issued by New York State concerning beverage containers?___
A. A fee should be charged on used containers for recycling.
B. Throwaways should be collected by the state for recycling.
C. Consumers had to pay for beverage containers and could get their money back on returning them.
D. Beverage companies should be responsible for collecting and reusing discarded plastic soda bottles.
【单选题】
The returned plastic bottles in New York used to _____________.___
A. be turned into raw materials
B. be separated from other rubbish
C. have a second-life value
D. end up somewhere underground
【单选题】
The key problem in dealing with returned plastic beverage containers is ______________.___
A. how to reduce their recycling costs
B. to sell them at a profitable price
C. how to turn them into useful things
D. to lower the prices for used materials
【单选题】
Recycling has become the first choice for the disposal of rubbish because ______________.___
A. recycling causes little pollution
B. other methods are more expensive
C. recycling has great appeal for the jobless
D. local governments find it easy to manage
【单选题】
It can be concluded from the passage that ____________.___
A. recycling is to be recommended both economically and environmentally
B. local governments in the U.S. can expect big profits from recycling
C. rubbish is a potential remedy for the shortage of raw materials
D. landfills will still be widely used for waste disposal
【单选题】
The author chose to study engineering at a small liberal-arts university because he ________.___
A. intended to be a sensible student with noble ideals
B. wanted to be an example of practicality and rationality
C. intended to be a combination of engineer and humanist
D. wanted to coordinate engineering with liberal-arts courses in college
【单选题】
According to the author, by interacting with people who study liberal arts, engineering students can __________.___
A. broaden their horizons
B. receive guidance in their careers
C. become noble idealists
D. balance engineering and the liberal arts
【单选题】
In the eyes of the author, a successful engineering student is expected ______________.___
A. to be imaginative with a value system to guide him
B. to be a technical genius with a wide vision
C. to have an excellent academic record
D. to be wise and mature
【单选题】
The author's experience shows that he was ________.___
A. creative
B. ambitious
C. irrational
D. unrealistic
【单选题】
The underlined word "they" in "... together they threaten to confuse." (Para.5) refers to ____________.___
A. practicality and rationality
B. engineering and the liberal arts
C. reality and noble ideals
D. flexibility and a value system
【单选题】
It can be learned from the passage that the Ouchidas' house __________.___
A. failed to meet energy conservation standards
B. was designed and constructed in a scientific way
C. is well worth the money spent on its construction
D. is almost faultless from the point of energy conservation
【单选题】
What made the Ouchidas' new house a horrible dream?___
A. Lack of fresh air.
B. Gas leakage in the kitchen.
C. The newly painted walls.
D. Poor quality of building materials.
【单选题】
The underlined word "accentuate" (Para. 3) most probably means "________".___
A. worsen
B. accelerate
C. relieve
D. improve
【单选题】
Why were cracks in old houses not a big concern?___
A. Because environmental protection was given top priority.
B. Because indoor cleanness was not emphasized.
C. Because they were technically unavoidable.
D. Because energy used to be inexpensive.
【单选题】
This passage is most probably taken from an article entitled "_________".___
A. Energy Conservation
B. Air Pollution Indoors
C. House Building Crisis
D. Traps in Building Construction
【单选题】
We need to plan ahead in order to ___________.___
A. keep a record of all the events
B. better organize our activities
C. store everything in our head
D. pile up little tasks neatly
【单选题】
Strategic times are best for us to ___________.___
A. save energy
B. check e-mails
C. study efficiently
D. organize activities
【单选题】
Which of the following could be used as a motivation to do our assignments?___
A. Remembering our urgent tasks.
B. Any activities we're eager to do.
C. Taking a break in the afternoon.
D. The promise to study efficiently.
【单选题】
What can help us to keep refreshed throughout the day?___
A. Doing some physical exercise.
B. Taking a short nap in the afternoon.
C. Rushing through some assignments.
D. Playing a game of chess with a friend.
【单选题】
Which of the following could be the best title for this article?___
A. Study Habits and Time Management
B. Business Management and Leadership
C. University Education and Campus Life
D. Life Goals and Academic Development
【单选题】
It is implied in the text that it is hard to ________.___
A. carry life learning though
B. tell the nature of life learning
C. learn without going to school
D. find a specially trained teacher
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客户经理在贷后管理中发现风险预警信号的，在对风险预警信号未解除前，（）。___
A. 不得发放新贷款
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某甲欠联社10万元贷款已逾期，某甲对某乙有到期债权50万元，并有一套价值 50 万元的商品房，为逃避债务，某甲放弃了对某乙的到期债权，并将商品房赠与某丙，联社对某甲的行为可以行使（）。___
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某甲向信用社借款 10 万元，期限 5 个月，期满后，又过了两年多，该甲仍拒绝还款，可追究其还款责任的理由有（）。___
A. 信用社负责人多次变动，未及起诉
B. 信用社经办人调动时未妥善交接
C. 该甲 1 年前曾向信用社提交过还款计划书
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某企业以购材料为由，向信用社借款 100 万元，期限为 10 个月，借款到账后，该企业用该笔贷款到乙市购买了 3 间店面，企业由于缺乏流动资金，出现一些困难，此时，3 间店面价值也明显下降，虽贷款尚未到期，但继续下去可能影响贷款的偿还，此时该笔贷款可归为（）。___
A. 正常
B. 关注
C. 次级
D. 可疑
【单选题】
如果抵押人的行为足以使抵押物价值降低的，抵押权人有权除了可以追加担保品外，还可以（）。___
A. 要求抵押人停止其行为，并要求其恢复抵押物的价值
B. 收缴罚金
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同一财产向两个以上债权人抵押的，拍卖、变卖抵押财产所得的价款按照规定清偿，下列说法不对的是（）。___
A. 登记顺序不同的，按照债权比例清偿
B. 抵押权已登记的先于未登记的受偿
C. 抵押权已登记的按照登记的先后顺序清偿
D. 登记顺序相同的，按照债权比例清偿
【单选题】
下列（）不属于接收抵债资产的前提条件。___
A. 借款人、担保人因资不抵债或其他原因关停倒闭或被宣告破产，经合法清算后，信用社依法取得抵债资产
B. 信用社通过诉讼或仲裁，经法院判决。裁定。调解或仲裁机构裁决，取得抵债资产
C. 抵押、质押贷款到期后，即以抵押物或质物抵偿信用社贷款本息
D. 借款人或担保人经营发生严重困难或濒临倒闭，确实无法以货币资金清偿贷款本息，信用社与借款人或担保人签订以资抵债协议，取得抵债资产的所有权
【单选题】
下列关于担保的补充机制中，说法不对的是（）。___
A. 银行如果在贷后检查中发现借款人提供的抵押品或质押物的抵押权益尚未落实，可以要求借款人落实抵押权益或追加担保品
B. 如果抵押人的行为足以使抵押物价值降低的，抵押权人有权要求抵押人停止其行为
C. 如果由于借款人财务状况恶化，或由于贷款展期使得贷款风险增大，银行也会要求借款人追加担保品
D. 倘若保证人的担保资格或担保能力发生不利变化，其自身的财力状况恶化，银行应要求担保人追加新的保证人。
【单选题】
下列关于抵（质）押品管理的说法中不对的是（）。___
A. 抵押人在抵押期间转让或处分抵押物的，商业银行必须要求其提出书面申请，并经银行同意后予以办理
B. 经商业银行同意，抵押人可以部分转让抵押物的，所得的收入应存入商业银行的专户或偿还商业银行债权
C. 抵押期间，抵押物因出险所得赔偿金（包括保险金和损害赔偿金）应存入债权人的账户，并按抵押合同中约定的处理方法进行相应的处理
D. 对于抵押物出险后所得的赔偿数额不足清偿部分，商业银行可以要求借款人提供新的担保
【单选题】
下列关于抵押物处理，错的表述是（）。___
A. 抵押物因为出险所得的赔偿金应存入商业银行指定的账户
B. 抵押人应该保持剩余抵押物价值不低于规定的抵押率
C. 抵押人转让或部分转让所得的价款应当存入商业银行专户，必须在到期才能一并清偿担保的债权
D. 借款人要对抵押物出险后所行的赔偿数额不足清偿的部分提供新的担保
【单选题】
下列内容不体现与银行往来异常现象的是（）。___
A. 企业销售额下降，成本提高，收益减少，经营亏损
B. 对短期贷款依赖较多，要求贷款展期
C. 贷款超过了借款人的合理支付能力
D. 借款人有抽逃资金的现象，并寻求贷款
【单选题】
银行在催收贷款的同时，对不能按借款合同约定期限归还的贷款，应当按规定加罚利息，加罚的利率为（）。___
A. 在贷款协议中明确规定的利率
B. 与贷款利率相同的利率
C. 罚息是双方协定
D. 当时的市场利率
【单选题】
在贷后管理的过程中，银行需根据借款人及其配偶更新的征信状况以及实际了解到的客户状况，定期或不定期地对客户家庭还款能力和无抵押授信限额及其使用情况进行复核，这反映的是个人客户统一授信管理应遵循的（）。___
A. 分类控制原则
B. 全面测算原则
C. 动态管理原则
D. 统一管理原则
【单选题】
在贷后检查中，如发现借款企业出现下列（）预警信号的，不应将该企业列为“不良借款客户名单”。___
A. 向银行提供虚假财务报表或情况
B. 未经银行同意，擅自处理抵（质）押物
C. 有意拖欠到期贷款或贷款利息
D. 抵押物价值下降
【单选题】
在贷款合同签订之后，贷款人发现借款人经营状况严重恶化，在这种情况下，贷款人可以行使下列哪种权利（）。___
A. 先履行抗辩权
B. 后履行抗辩权
C. 同时履行抗辩权与代位权
D. 代位权
【单选题】
债务履行期届满，债务人不履行债务致使抵押物被人民法院依法扣押的，自扣押之日起抵押权人收取的由抵押物分离的天然孳息和法定孳息，按照下列顺序清偿：（）。___
A. 收取孳息的费用 、主债权的利息 、主债权
B. 收取孳息的费用、主债权、主债权的利息
C. 主债权、主债权的利息、收取孳息的费用
D. 主债权的利息、收取孳息的费用、主债权
【单选题】
债务人不履行到期债务或者发生当事人约定的实现抵押权的情形，致使抵押财产被人民法院依法扣押的，自扣押之日起该抵押财产的天然孳息归属于（）。___
A. 债务人
B. 抵押权人
C. 人民法院
D. 抵押物登记机构
【单选题】
保证贷款，是指按《中华人民共和国担保法》规定的保证方式以（）在借款人不能偿还贷款时，按约定承担一般保证责任或连带责任而发放的贷款。___
A. 其他人承诺
B. 第三人承诺
C. 保证人承诺
D. 借款人承诺
【单选题】
抵押贷款，是指按（）《中华人民共和国物权法》规定的抵押方式以借款人或第三人的财产作为抵押发放的贷款。___
A. 《中华人民共和国商业银行法》
B. 《中华人民共和国合同法》
C. 《中华人民共和国担保法》
D. 《中华人民共和国公司法》
【单选题】
对客户（）、债权债务关系、财务和非财务等因素等进行监控，当可能危及信贷安全时，应按规定及时报告，并采取相应的防范措施。___
A. 信用等级
B. 信用状况
C. 信用记录
D. 信用报告
