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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
支付中介职能
金融服务职能
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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
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我国商业银行最主要的收入来源是
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. Unsoughtgoodsreferto
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
是指客户在银行计算机网络和各种终端设备上自己动手办理以前由银行职员才能办理的一套银行业务
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ThereleasedateforthedocumentaryfilmaboutlifeinAmericaisbuttheproducerstillhasalotofworktodo.
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Wewilllosealmosthalfofouraccumulatedpensionfundsifthemergeraccordingtothecurrentplan.
ConsumersappreciatethatRestonHomeAppliancesoffersafive-yearfullwarrantyonthisparticular
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
Ms.Richardsthestoremanagerofferedarefundtothedissatisfiedcustomerbecauseshecouldseethattheproductwasfaulty.
Ifyourcomputerexperienceanyproblemswithinthewarrantyperiodyoucantakeittoanauthorizedrepaircenterfreeofcharge.
Ifyouhavenotreceivedofyourorderwithintwobusinessdayspleasecontact ourcustomerservicecenter.
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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2013年南非自2010年加入金砖国家以来首次主办金砖国家峰会本次金砖国家领导人会晤的主题是
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
Hadthetown'sresidentsbeenallowedtovoteonthemeasureitsurely
2013年中央一号文件中__国务院关于加快发展现代农业进一步增强农村发展活力的若干意见正式发布这是新世纪以来指导三农工作的连续第个中央一号文件
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