【多选题】
按照办法关于合同的有关规定，借款人方面发生（）重大事项需事前征得贷款人同意。___
A. 对外投资
B. 合并、分立
C. 实质性增加债务融资
D. 发生影响借款人偿债能力的重大不利事项
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答案
ABC
解析
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相关试题
【多选题】
尽职调查的现实意义有（）。___
A. 是银行业金融机构开展信贷业务、管理信贷风险的基本保障
B. 是降低贷款人与借款人之间信息不对称，减少贷款风险隐患的重要手段
C. 有助于银行业金融机构作出对决策
D. 尽职调查工作质量直接决定贷款质量和风险承担水平
【多选题】
在信贷业务调查过程中，有哪种情况的，视情节轻重给予调查主责任人记大过以上的纪律处分（）。___
A. 不按规定对贷款的合法性、安全性、流动性和效益性进行调查的。
B. 未核实抵（质）押物的真实性和变现能力，
C. 未核实保证人的经济情况和担保能力的。
D. 向审查岗提交的调查报告内容不完整、不真实，对借款人生产经营中存在的问题不在调查材料中如实反映的。
E. 帮助客户编造虚假材料套取信用社信用或故意隐瞒重大问题误导贷款审查、审批的
【多选题】
在信贷业务审批过程中，有下列情况之一的，视情节轻重给予审批主责任人记过以上的纪律处分（）。___
A. 该集体审批的贷款未经集体审批的。
B. 违反法律、法规及信贷制度规定发放贷款的。
C. 违规干预调查岗、审查岗、贷管委工作的。
D. 审批通过没有具体调查、审查主责任人信贷业务的。
E. 审批通过不符合国家产业政策、信贷政策和贷款条件的信贷业务的。
F. 发放贷款用于收回借款人所欠利息的。
【多选题】
借款合同中应约定由借款人承诺以下事项：（）。___
A. 向农信社提供完整、真实、有效的材料
B. 配合农信社进行贷款支付管理、贷后管理及相关检查
C. 进行对外投资、实质性增加债务融资，以及进行合并、分立、股权转让等重大事项前征得农信社同意
D. 农信社有权根据借款人资金回笼情况提前收回贷款
【多选题】
银行业金融机构要完善员工行为管理制度，禁止员工( )。___
A. 参与融资中介活动
B. 个人理财
C. 利用工作、职务之便，为融资中介提供便利
D. 对外提供、泄露客户信息
【判断题】
根据贷款通则，对实行整体股份制改造的借款人，应当明确其所欠贷款债务由改造后公司全部承担；对实行部分股份制改造借款人，应当要求改造后的股份公司按占用借款人的资本金或资产的比例承担原借款人的贷款债务
A. 对
B. 错
【判断题】
经当事人书面协议，企业、个体工商户、农业生产经营者可以将现有的以及将有的生产设备、原材料、半成品、产品抵押，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，债权人有权就实现抵押权时的动产优先受偿
A. 对
B. 错
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The following inventions took place during the “second indThe following inventions took place during the “second industrial revolution” except .
A. A. typewriter
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【单选题】
The first National Bank of the United States was established with the urge of .
A. A. George Washington
B. B. Thomas Jefferson
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The modern American economy progressed from to , and eventually, to .
A. A. colonial economy, handcraft economy, industrial economy
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The President is directly voted into office by .
A. A. all citizens of America
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C. C. electors elected by the voters
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The Supreme Court is composed of justices.
A. A. six
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The terms for a Senator and Representative are and years respectively.
A. A. two, four
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According to the Constitution, a candidate for President must be .
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The following except are all powers of the President.
A. A. vetoing any bills passed by Congress
B. B. appointing federal judges when vacancies occur
C. C. making laws
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All the following except cannot make legislative proposal.
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The following except are guaranteed in the Bill of Rights.
A. A. freedom of religion
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C. C. freedom of speech and of press
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The Bill of Rights .
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C. C. is part of the Declaration of Independence
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The Constitution of the United States .
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The U. S. Constitution came into effect in .
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President applied New Deal to deal with the problems of the Great Depression.
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The policy of the United States was at the beginning of the two world wars.
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Abraham Lincoln issued to grant freedom to all slaves.
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In May 1775, was held in Philadelphia and began to assume the functions of a national government.
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The first shots of the American dependence were fired in .
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“No taxation without representation” was the rallying slogan of .
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The Seven Years’ War occurred between the .
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Pilgrim Fathers are a group of who came to America to avoid persecution in England.
A. A. Protestants
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D. D. Christians
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The first successful English colony in North America was founded at in .
A. A. Jamestown, Louisiana
B. B. Boston, Massachusetts
C. C. Jamestown, Virginia
D. D. Plymouth, Georgia
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The characteristic of dominant American culture is .
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The ImmiWar of Ingrants Act of 1924 restricted the further immigration into the United States, particularly from .
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The largest minority in the United States is the .
A. A. Pacific Islanders
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The native Alaskan population includes the following except the .
A. A. Indians
B. B. Eskimos
C. C. Aleuts
D. D. Blacks
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is located on the U. S. –Canadian border between Lake Erie and Lake Ontario.
A. A. Yellowstone National Park
B. B. The Grand Canyon
C. C. Niagara Falls
D. D. The Great Salt Lake
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Some of the world famous universities like Harvard, Yale and MIT are located .
A. A. in the South
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The largest river in the U. S. is .
A. A. the Missouri River
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C. C. the Ohio River
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The U. S. lies in North America, with Canada to the north, Mexico to the south, the Atlantic to its and the Pacific to its .
A. A. northern, east, west
B. B. central, east, west
C. C. southern, west, east
D. D. western, east, west
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The state of is the largest in area of all the states.
A. A. Alaska
B. B. Hawaii
C. C. Texas
D. D. Florid
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Waiting for Godot is written by .
A. A. Samuel Beckett
B. B. George Orwell
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Of the following writers, is NOT a Nobel Prize winner.
A. A. Samuel Beckett
B. B. James Joyce
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Of the following statements, is NOT correct about Virginia Woolf.
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B. B. She experimented with stream of consciousness.
C. C. She was an influential feminist.
D. D. Her masterpiece was The Rainbow.
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Of the following books, was NOT written by Thomas Hardy.
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C. C. Adam Bede
D. D. The Return of the Native
【单选题】
is NOT included in the modernist group.
A. A. Oscar Wild
B. B. Virginia Woolf
C. C. William Butler Yeats
D. D. T. S. Eliot
