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在多年实践的基础上，西方商业银行为确保贷款的安全，总结了一套衡量借款人信用情况的标准，称为“5C准则”。下列选项中，不属于该原则的是（）。
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银行利率是商业银行根据自己的营业状况制定的商业银行应当在确保利润水平的基础上对存款本金和利息进行支付
商业银行在吸收存款的基础上发放贷款在票据流通和转账结算的基础上贷款又转化为存款在此存款不提取的情况下
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在多年实践的基础上西方商业银行为确保贷款的安全总结了一套衡量借款人信用情况的标准称为5C则下列选项中
宏观经济状况
担保财产
主营类别
经营能力
商业银行在吸收存款的基础上发放贷款在票据流通和转账结算的基础上贷款又转化为存款在此存款不提取的情况
支付中介职能
金融服务职能
信用创造职能
金融工具创造职能
2008年·四川 商业银行在吸收存款的基础上发放贷款在票据流通和转账结算的基础上贷款又转化为存款在
支付中介职能
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第43届世界经济论坛年会的主题是
根据下面内容回答176-180题 Thetraditionaldistinctionbetweenproductsthatsatisfyneedsandthosethatsatisfywantsisnolongeradequatetodescribeclassesofproducts．Intoday'sprosperoussocietiesthedistinctionhasbecomeblurredbecausesomanywantshavebeenturnedintoneeds．Awriterforinstancecanworkwithpaperandpencils．Thesearelegitimateneedsforthetask．Buttheworkcanbedonemorequicklyandefficientlywithawordprocessor．Thusacomputerissoonviewedasaneedratherthanawant. Inthefieldofmarketingconsumergoodsareclassedaccordingtothewayinwhichtheyarepurchased．Thetwomaincategoriesareconveniencegoodsandshoppinggoods．Twolessertypesarespecialtygoodsandunsoughtgoods．Itmustbeemphasizedthatallofthesetypesarebasedonthewayshoppersthinkaboutproductsnotonthenatureoftheproductsthemselves．Whatisre-gardedasaconvenienceiteminFrancewineforexamplemaybeaspecialtygoodintheUnitedStates. Peopledonotspendagreatdealoftimeshoppingforsuchconvenienceitemsasgroceriesnewspaperstoothpasterazorbladesaspirinandcandy．Thebuyingofconveniencegoodsmaybedoneroutinelyassomefamiliesbuygroceriesonceaweek．Suchregularlypurchaseditemsarecalledstaples．Sometimesconvenienceproductsareboughtonimpulse:someonehasasuddende-sireforanicecreamsundaeonahotday．Ortheymaybepurchasedasemergencyitems. Shoppinggoodsareitemsforwhichcustomerssearch．Theycomparepricesqualityandstylesandmayvisitanumberofstoresbeforemakingadecision．Buyinganautomobileisoftendonethisway．Shoppinggoodsfallintotwoclasses:thosethatareperceivedasbasicallythesameandthosethatareregardedasdifferent．Itemsthatarelookeduponasbasicallythesameincludesuchthingsashomeappliancestelevisionsetsandautomobiles．Havingdecidedonthemodel desiredthecustomerisprimarilyinterestedingettingtheitematthemostfavorableprice．Itemsregardedasinherentlydifferentincludeclothingfurnitureanddishes．Qualitystyleandfashionwilleithertakeprecedenceoverpriceortheywillnotmatteratall. Specialtygoodshavecharacteristicsthatimpelcustomerstomakespecialeffortstofindthem.Pricemaybenoconsiderationatall．Specialtygoodscanincludealmostanykindofproduct．Nor-mallyspecialtygoodshaveabrandnameorotherdistinguishingcharacteristics. Unsoughtgoodsareitemsaconsumerdoesnotnecessarilywantorneedormaynotevenknowabout．Promotionoradvertisingbringssuchgoodstotheconsumer'sattention．TheproductcouldbesomethingnewonthemarketastheSonyWalkmanoncewasoritmaybeafairlystandardser-vicesuchaslifeinsuranceforwhichmostpeoplewillusuallynotbothershopping. Theword"staples"Line3Para.3.mostprobablymeans
交通银行致力于推动银行同业间的紧密协作依托自身广泛的服务网络以及子公司牌照资源打造了以为主品牌的银银合作品牌体系以及完善的l+4+N银银合作产品体系．实现了与银行同业间的资源共用渠道共通利益共享的良性合作
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Hadthetown'sresidentsbeenallowedtovoteonthemeasureitsurely
ApplicationsfortheHamiltonSchoolofBusinessscholarshipmustbyJune1inordertobeconsidered.
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我国商业银行最主要的收入来源是
Marketresearchshowsthatfewconsumersactuallypricesbeforeselectingtheirgroceriesinthestore.
银行资本内部融资的主要来源是
根据下面内容回答171-175题 Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer．Therearecostsofproductiontransportationstorageadvertisingandmore．Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingprod- uctsortheywouldnotbeinbusiness．Thuscostsalsoincludeseverallayersofprofits．Thesell-ingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration．Thesell-ingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonaper-centageofthetotalcost. Themarkupmaybequitehigh90percentofcostoritmaybelow．Groceryitemsinasu-permarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone．Highmarkupshoweverdonotinthemselvesguaranteebigprofits．Profitscomefromturnover．Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit．Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits. Whilemostpricingisbasedoncostfactorstherearesomeexceptions．Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele．Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers. Leaderpricingandbaitpricingaretheoppositesofprestigepricing．Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores．Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem．Theprofitsaremadefromotherproductspeoplebuywhileinthestore．Baitpricingnowgenerallyconsideredillegalmeansset-tingartificiallylowpricestoattractcustomers．Thestorehoweverhasnointentionofsellinggoodsatthebaitprices．Thepointistogetpeopleintothestoreandpersuadethemoftheinferior-ityofthelowpriceditem．Thenahigherpriceditemispresentedasabetteralternative. Acommonretailtacticisoddpricedproducts．Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice．Automobilesandotherhighpricedproductsareusuallypricedinthismanner．Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000. Bidpricingisaspecialkindofpricesetting．Itisoftenusedintheawardingofgovernmentcontracts．Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins．Aschoolsystemmaywanttobuyalargenumberofcomputers．Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice. Inthefirstparagraph"markup"mostprobablymeans
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交通银行的经营理念是
根据下面内容回答171-175题 Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer．Therearecostsofproductiontransportationstorageadvertisingandmore．Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingprod- uctsortheywouldnotbeinbusiness．Thuscostsalsoincludeseverallayersofprofits．Thesell-ingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration．Thesell-ingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonaper-centageofthetotalcost. Themarkupmaybequitehigh90percentofcostoritmaybelow．Groceryitemsinasu-permarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone．Highmarkupshoweverdonotinthemselvesguaranteebigprofits．Profitscomefromturnover．Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit．Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits. Whilemostpricingisbasedoncostfactorstherearesomeexceptions．Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele．Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers. Leaderpricingandbaitpricingaretheoppositesofprestigepricing．Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores．Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem．Theprofitsaremadefromotherproductspeoplebuywhileinthestore．Baitpricingnowgenerallyconsideredillegalmeansset-tingartificiallylowpricestoattractcustomers．Thestorehoweverhasnointentionofsellinggoodsatthebaitprices．Thepointistogetpeopleintothestoreandpersuadethemoftheinferior-ityofthelowpriceditem．Thenahigherpriceditemispresentedasabetteralternative. Acommonretailtacticisoddpricedproducts．Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice．Automobilesandotherhighpricedproductsareusuallypricedinthismanner．Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000. Bidpricingisaspecialkindofpricesetting．Itisoftenusedintheawardingofgovernmentcontracts．Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins．Aschoolsystemmaywanttobuyalargenumberofcomputers．Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice. Inadepartmentstorethepurposeofprestigepricing
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Ifyouhavenotreceivedofyourorderwithintwobusinessdayspleasecontact ourcustomerservicecenter.
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根据下面内容回答176-180题 Thetraditionaldistinctionbetweenproductsthatsatisfyneedsandthosethatsatisfywantsisnolongeradequatetodescribeclassesofproducts．Intoday'sprosperoussocietiesthedistinctionhasbecomeblurredbecausesomanywantshavebeenturnedintoneeds．Awriterforinstancecanworkwithpaperandpencils．Thesearelegitimateneedsforthetask．Buttheworkcanbedonemorequicklyandefficientlywithawordprocessor．Thusacomputerissoonviewedasaneedratherthanawant. Inthefieldofmarketingconsumergoodsareclassedaccordingtothewayinwhichtheyarepurchased．Thetwomaincategoriesareconveniencegoodsandshoppinggoods．Twolessertypesarespecialtygoodsandunsoughtgoods．Itmustbeemphasizedthatallofthesetypesarebasedonthewayshoppersthinkaboutproductsnotonthenatureoftheproductsthemselves．Whatisre-gardedasaconvenienceiteminFrancewineforexamplemaybeaspecialtygoodintheUnitedStates. Peopledonotspendagreatdealoftimeshoppingforsuchconvenienceitemsasgroceriesnewspaperstoothpasterazorbladesaspirinandcandy．Thebuyingofconveniencegoodsmaybedoneroutinelyassomefamiliesbuygroceriesonceaweek．Suchregularlypurchaseditemsarecalledstaples．Sometimesconvenienceproductsareboughtonimpulse:someonehasasuddende-sireforanicecreamsundaeonahotday．Ortheymaybepurchasedasemergencyitems. Shoppinggoodsareitemsforwhichcustomerssearch．Theycomparepricesqualityandstylesandmayvisitanumberofstoresbeforemakingadecision．Buyinganautomobileisoftendonethisway．Shoppinggoodsfallintotwoclasses:thosethatareperceivedasbasicallythesameandthosethatareregardedasdifferent．Itemsthatarelookeduponasbasicallythesameincludesuchthingsashomeappliancestelevisionsetsandautomobiles．Havingdecidedonthemodel desiredthecustomerisprimarilyinterestedingettingtheitematthemostfavorableprice．Itemsregardedasinherentlydifferentincludeclothingfurnitureanddishes．Qualitystyleandfashionwilleithertakeprecedenceoverpriceortheywillnotmatteratall. Specialtygoodshavecharacteristicsthatimpelcustomerstomakespecialeffortstofindthem.Pricemaybenoconsiderationatall．Specialtygoodscanincludealmostanykindofproduct．Nor-mallyspecialtygoodshaveabrandnameorotherdistinguishingcharacteristics. Unsoughtgoodsareitemsaconsumerdoesnotnecessarilywantorneedormaynotevenknowabout．Promotionoradvertisingbringssuchgoodstotheconsumer'sattention．TheproductcouldbesomethingnewonthemarketastheSonyWalkmanoncewasoritmaybeafairlystandardser-vicesuchaslifeinsuranceforwhichmostpeoplewillusuallynotbothershopping. Unsoughtgoodsreferto
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Ms.Richardsthestoremanagerofferedarefundtothedissatisfiedcustomerbecauseshecouldseethattheproductwasfaulty.
根据下面内容回答171-175题 Everyproductonthemarkethasavarietyofcostsbuiltintoitbeforeitiseverputupforsaletoacustomer．Therearecostsofproductiontransportationstorageadvertisingandmore．Eachofthesecostsmustbringinsomeprofitateachstage:truckersmustprofitfromtransportingprod- uctsortheywouldnotbeinbusiness．Thuscostsalsoincludeseverallayersofprofits．Thesell-ingpriceofaproductmusttakeallofthesecostsandbuiltinprofitsintoconsideration．Thesell-ingpriceitselfconsistsofamarkupoverthetotalofallcostsanditisnormallybasedonaper-centageofthetotalcost. Themarkupmaybequitehigh90percentofcostoritmaybelow．Groceryitemsinasu-permarketusuallyhavealowmarkupwhileminkcoatshaveaveryhighone．Highmarkupshoweverdonotinthemselvesguaranteebigprofits．Profitscomefromturnover．Ifanitemhasa50percentmarkupanddoesnotsellthereisnoprofit．Butifacerealhasan8percentmarkupandsellsverywelltherearereasonableprofits. Whilemostpricingisbasedoncostfactorstherearesomeexceptions．Prestigepricingmeanssettingpricesartificiallyhighinordertoattractselectclientele．Suchpricingattemptstosuggestthatthequalityorstyleoftheproductisexceptionalorthattheitemcannotbefoundelsewhere.Storescanuseprestigepricingtoattractwealthyshoppers. Leaderpricingandbaitpricingaretheoppositesofprestigepricing．Leaderpricingmeanssettinglowpricesoncertainitemstogetpeopletocomeintothestores．Theproductssopricedarecalledlossleadersbecauselittleornoprofitcanbemadeonthem．Theprofitsaremadefromotherproductspeoplebuywhileinthestore．Baitpricingnowgenerallyconsideredillegalmeansset-tingartificiallylowpricestoattractcustomers．Thestorehoweverhasnointentionofsellinggoodsatthebaitprices．Thepointistogetpeopleintothestoreandpersuadethemoftheinferior-ityofthelowpriceditem．Thenahigherpriceditemispresentedasabetteralternative. Acommonretailtacticisoddpricedproducts．Forsomeproductsof$300thestorewillsetthepriceat$295or$299.95togivetheappearanceofalowerprice．Automobilesandotherhighpricedproductsareusuallypricedinthismanner．Forsomereason$7995hasmoreappealtoapotentialcarcustomerthan$8000. Bidpricingisaspecialkindofpricesetting．Itisoftenusedintheawardingofgovernmentcontracts．Severalcompaniesareaskedtosubmitbidsonajobandnormallythelowestbidderwins．Aschoolsystemmaywanttobuyalargenumberofcomputers．Severalcompaniesareaskedtosubmitpricesandtheschooldistrictwilldecideonthebestbidbasedaswellonconsiderationsofqualityandservice. Inabiddingtransaction
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