【单选题】
___不是商用房贷款借款人应具备的基本条件。
A. 以借款人拟购商用房向贷款人提供抵押担保
B. 在银行开立个人结算账户
C. 具有稳定的职业和收入．具备还款意愿和还款能力
D. 发放对象是持有工商行政管理机关核发的非法人营业执照的个体户、合伙人企业和个人独资企业
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答案
D
解析
暂无解析
相关试题
【单选题】
关于商用房贷款的还款方式，表述错误的是___。
A. 一笔贷款只能选择一种还款方式
B. 借款人可根据需要选择还款方式
C. 借款人如想提前偿还全部或部分贷款本息，应提前15 个工作日向贷款银行提出申请
D. 合同签订后．还款方式未经贷款银行同意不得更改
【单选题】
贷款人受理借款人商用房贷款申请后，应对商用房贷款申请内容和相关情况的___进行调查核实。
A. 真实性、准确性、可靠性
B. 风险性、可靠性、真实性
C. 真实性、准确性、完整性
D. 风险性、收益性、流动性
【单选题】
关于个人经营贷款的说法，不正确的是___。
A. 发放对象为从事合法生产经营的法人企业或个体工商户
B. 借款人是具有完全民事行为能力的自然人
C. 相对个人住房贷款，个人经营类贷款风险更容易控制
D. 借款人可将该贷款用于定向购买商用房
【单选题】
赵先生在信用社连续3 次进入黑名单，现在想在信用社用信，以下对的是___
A. 客户经理直接进行黑名单删除
B. 汇报经联社删除
C. 不影响办理贷款
D. 无法删除且无法办理贷款
【单选题】
下列对个人经营贷款操作风险的理解中，错误的是___。
A. 贷款流程执行不严格
B. 操作风险是贷款发放之前的风险
C. 审批人员放松审批条件向关系人发放贷款
D. 未严格执行商业银行授权管理制度，超权限审批发放贷款
【单选题】
下列关于农户贷款的表述，错误的是___。
A. 农户贷款仅可用于生产经营用途
B. 依据贷款审查结果，确定授信额度，作出审批决定，在办结时限以前，将贷款审批结果及时、主动告知借款人
C. 贷中审查应当对贷款调查内容的合规性和完备性进行全面审查
D. 农村金融机构应当遵循审慎性与效率原则，建立完善独立审批制度
【单选题】
在个人经营贷款中，借款人变更还款方式需要满足的条件不包括___。
A. 借款人应向银行提交还款方式变更申请书
B. 借款人的贷款账户未拖欠本息及其他费用
C. 借款人具备还款意愿和还款能力
D. 借款人在变更还款方式前应归还当期的贷款本息
【单选题】
借款人变更还款方式，需要满足的条件不包括___。
A. 借款人收入水平、工作单位未发生变化
B. 向银行提交还款方式变更申请书
C. 借款人的贷款账户中没有拖欠本息及其他费用
D. 借款人在变更还款方式前应归还当期的贷款本息
【单选题】
在个人信用报告中，个人贷款24 个月还款状态记录中，___表示担保人代还，即借款人的该笔贷款已由担保人代还，包括担保人按期代还与担保人代还部分贷款。
A. *
B. N
C.
D.
【单选题】
下列关于个人贷款合同的说法，错误的是___。
A. 应使用统一格式的个人贷款的有关合同文本
B. 对不准备填写内容的空白栏不需再做处理
C. 同笔贷款的合同填写人与合同复核人不得为同一人
D. 对采取抵押担保方式的，应要求抵押物共有人在相关合同文本上签字
【单选题】
在个人贷款业务中，下列主体可能具有担保资格的是___。
A. 与借款人有关系的自然人
B. 不具有代偿能力的法人
C. 有重大违法行为损害银行利益的法人
D. 三年内连续亏损的法人
【单选题】
关于个人贷款还款方式变更，下列说法正确的是___。
A. 借款人可通过电话或书面方式提出还款方式变更申请
B. 各种还款方式之间可以随意相互变更
C. 借款人贷款账户中应没有拖欠本息及其他费用
D. 借款人可在变更还款方式后归还当期贷款本息
【单选题】
个人贷款资金应当采用受托支付方式向借款人交易对象支付，但借款人无法事先确定具体交易对象且金额不超过___元人民币的，可以采取自主支付方式。
A. 20 万
B. 30 万
C. 50 万
D. 100 万
【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
【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
【多选题】
质押担保是指借款人或第三人转移对法定财产的占有，将该财产作为贷款的担保。质押担保分为___
A. 动产质押
B. 不动产质押
C. 流动资产质押
D. 固定资产质押
E. 权利质押
【多选题】
以下关于个人贷款概念的说法中正确的有___
A. 个人贷款是指银行向个人发放的用于满足其各种资金需求的贷款
B. 个人贷款业务属于商业银行贷款业务的一部分
C. 在商业银行，个人贷款业务是以主体特征为标准进行贷款分类的
D. 借贷合同关系的一方主体是银行，另一方主体是个人
E. 个人贷款是指银行向企业发放的用于满足其各种资金需求的贷款
【多选题】
下列关于等额本息还款法的特点，正确的有___
A. 贷款期内每月还款额度相等
B. 贷款期还款额度逐月递增
C. 贷款期内偿还的本金逐月递减
D. 贷款期内偿还的利息逐月递减
E. 当利率调整时，需要重新计算每月还款额
推荐试题
【单选题】
(3)Why was the physician not interested in pharmacognosy?___
A. He didn't have to select the proper plants for his prescription
B. He had a broad botanical knowledge
C. Fewer drugs were obtained from natural sources
D. Natural drugs had little difference with synthetic ones
【单选题】
(4)Which of the following is the best way of studying pharmacology for medical students and practitioners?___
A. to have a broad botanical knowledge
B. to select a plant and its preparation
C. to have the ability to purify natural plants
D. to have curiosity that stimulates them to learn about sources of drugs
【单选题】
(5)What are the tasks related to medicines almost complete!y delegated to the pharmacists now?___
A. the physical and chemical properties of medicines
B. the preparing, compounding, and dispensing of medicines
C. dosage forms of medicines available
D. the therapeutic and other uses of medicines
【单选题】
(6) What is a main unique aspect of pharmacodynamics?___
A. Pharmacodynamics is an experimental medical science
B. Pharmacodynamics is focused on the characteristics of drugs
C. Pharmacodynamics borrows freely from both the subject matter and the experimenta techniques of physiology, biochemistry, microbiology, genetics and pathology
D. Pharmacodynamics correlates the entire field of preclinical medicine
【单选题】
7) What time of history does pharmacodynamics date back to?___
A. the second half of the seventeenth century
B. the second half of the eighteenth century
C. the second half of the nineteenth century
D. the second half of the twentieth century
【单选题】
8)What does the research on pharmacodynamics focus on?___
A. study of clinical effect of drugs
B. study of the process of drugs in the body
C. study of the effect and the mechanism of drugs on the body
D. study of the correlation of the actions and effects of drugs with their chemical structure
【单选题】
(9)Which of the following is true when drugs are selected?___
A. It has to be based in part on legal reasons.
B. It has to be based in part on ethical reasons.
C. It has to be based in part on the pharmacological evaluation in man
D. It has to be based in part on the pharmacological evaluation in animals
【单选题】
(10)Why are chemotherapeutic agents useful in therapy?___
A. They stimulate or depress biochemical or physiological function in man in a sufficiently reproducible manner to provide relief of symptoms or, ideally, to alter favorably the course of disease
B. They can produce desired effects with only tolerable undesired effects
C. They have only minimal effects on man but can destroy or eliminate parasites
D. The selectivity of their effects is one of their most important characteristics
【单选题】
1)H. Mario Geysen initially used parallel synthesis as a quick way to identify which small_____ of any given large protein bound to an antibody.___
A. division
B. pieces
C. part
D. fragment
【单选题】
2)Chemists often start a combinatorial synthesis by attaching the first set of building blocks_____ to microscopic beads made of polystyrene.___
A. solid
B. inert
C. soft
D. active
【单选题】
3）The chemical reactions required to link compounds to the beads and later to detach them____ to the synthesis proces.___
A. induce complications
B. make easy
C. introduce complications
D. introduce easy
【单选题】
4)In a parallel synthesis, all the products are_____ separately in their own reaction vessels.___
A. combined
B. assembled
C. joined
D. assorted
【单选题】
(5)In many laboratories today, robots assist with the routine work of parallel synthesis, such as small___ amounts of reactive molecules into the appropriate wells.___
A. sending
B. transporting
C. delivering
D. giving
【单选题】
(6)Scientists can pull out from the mixture the beads that bear biologically active molecules and then,using sensitive detection techniques,___ the molecular makeup of the compound attached.___
A. determine
B. make sure
C. find
D. search
【单选题】
(7)Most pharmaceutical companies today continue to___ parallel synthesis. Which of the following is not appropriate to be filled in the blank?___
A. count in
B. count on
C. depend on
D. rely on
【单选题】
(8)Once they identify a promising substance, they___ make many one-at-a-time modifications to the structure.___
A. laboriously
B. hardly
C. easy
D. effectively
【单选题】
(9)Often these procedures yield a compound having acceptable___ and safety.___
A. strength
B. effect
C. potency
D. effort
【单选题】
10)In many laboratories today, robots___ the routine work of parallel synthesis.___
A. help
B. assist with
C. assist in
D. assist to
【单选题】
(1)Pharmaceutics is an interdisciplinary subject involving___
A. formulation, manufacturing, physical pharmacy, and biopharmaceutics
B. manufacturing
C. physical pharmacy
D. biopharmaceutics
【单选题】
（2）Formulation is about the design, development and evaluation of dosage forms,___
A. discovery of novel drugs
B. analytical methods
C. drug delivery systems and manufacturing process
D. dosing regimen
【单选题】
(3)Biopharmaceutics mainly studies the in vivo process of drugs and metabolites in humans, animals and tissue culture, which specifically involves___
A. absorption and distribution
B. absorption, distribution, metabolism, and excretion
C. metabolism and excretion
D. absorption and excretion
【单选题】
(4)Regarding the definition of bioavailability(BA), BA is related to___
A. total plasma drug concentration only
B. unbound drug concentration in the plasma
C. unbound drug concentration at the target site
D. total plasma drug concentration, and the administered drug dose
【单选题】
(5)Plasma drug concentration is affected by following factors such as___
A. rate of absorption
B. rate and extent of distribution
C. rate ofeli Imination
D. all ofabove
【单选题】
6)Which of the following routes of administration will involve the absorption of drugs?___
A. i.v.injection
B. i.v.infusion
C. Subcutaneous injection, transdermal and oral
D. None of above
【单选题】
（7）Which of the following factors may influence the time course of a drug in the plasma and hence at its site of action?___
A. Food
B. Disease state
C. Route of administration
D. All of above
【单选题】
(8)Please identify the potential biological barriers for an orally administered tablet to be absorbed into the systemic circulation___
A. Sk d dermis
B. Gastrointestinal epithelium
C. Oral mucosal membrane
D. All of above
【单选题】
(9) Given the same administration dose, which of the following will likely result in varying bioavailabilities for the same drug administered to the same person? ___
A. tablets (p.o. )vs. solutions(p0.)
B. solutions for injection(i v )vs oral solutions(p0.)
C. coated tablets (p.0. )vs hard gelatin capsules(p0.)
D. All ofabove
【单选题】
(10)Which of the following statements is true?___
A. Bioavailability is only related to the administered dose and the total drug concentration in the blood circulation.
B. Plasma protein binding does not affect the bioavailability of a specific drug.
C. A given drug in different dosage forms may show differences in bioavailability if given by the same route.
D. Biopharmaceutical studies do not involve animal experiment.
【判断题】
Much of our present physiological knowledge has been found from the experiments and studies on human beings.
A. 对
B. 错
【判断题】
Living cells break down glucose and fats to provide energy for other activities, which is called.
A. 对
B. 错
【判断题】
The right atriapumps deoxygenated blood to the lungs where it absorbs oxygen from the air.
A. 对
B. 错
【判断题】
The nervous system uses electrical signals to transmit information very rapidly to specific cells.
A. 对
B. 错
【判断题】
With the level of sodium increasing extracelular fruid. the cardiac muscle cells become too excitable and may contract.
A. 对
B. 错
【判断题】
A negative feedback loop is a control system that acts to maintain the level of some variables within a given range following a disturbance
A. 对
B. 错
【判断题】
(1)Pharmacodynamics, which is concerned with the study of the biochemical and physiological effects of drugs and their mechanisms of action, Is an experimental medical science.
A. 对
B. 错
【判断题】
2)It's unreasonable for a physician to be interested mainly in the effects of drugs on human beings, for the pharmacological evaluation of drugs in them may be limited due to technical, legal, and ethical reasons.
A. 对
B. 错
【判断题】
（3） As the effects of drugs are often characterized by significant interspecies variation and may be further modified by disease, clinical pharmacology has never been efibrasized.
A. 对
B. 错
【判断题】
The physician is not interested in drugs that are useful in the prevention,diagnosis,and treatment of human disease, but in chemical agents that are commonly responsible for household and industrial poisoning as well as environmental pollution.
A. 对
B. 错
【判断题】
(5)A drug is said to be useful in therapy if it has the ability to produce its desired effects with only tolerable undesired effects.
A. 对
B. 错
【判断题】
(6)Toxicology deals not only with drugs used in therapy but also with many other chemicals that may be responsible for household, environmental, or industrial intoxication.
A. 对
B. 错
