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贷款展期是对借款人还款条款的改变，因而对展期贷款可视作重组贷款，根据贷款风险分类法，此类贷款应划分为次级类或次级类以下。（）
A . 正确
B . 错误
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对次级以下贷款每季发书面催收通知，落实专人管理催收，定期走访次级以下贷款的借款和担保单位。（）
A . 正确
B . 错误
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个人次级、可疑类贷款合同变更后（）观察期内贷款质量五级分类形态不得高于次级类。
A . 三个月
B . 一个月
C . 六个月
D . 一年
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次级抵押贷款（）。
A . 利率低于优惠利率的贷款；
B . 是证券化的贷款；
C . 以外币计价；
D . 是向信用质量不佳的借款人发放的贷款。
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次级类贷款预计贷款本息损失率低于（）。
A . 30%
B . 20%
C . 40%
D . 45%
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依据贷款偿还可能性的大小，按照贷款风险分类标准将贷款划分为正常、关注、次级、可凝、损失五类，以下借款人特征属于次级的是（）
A . A、借款人支付出现困难，并且难以获得新的资金
B . B、借款人处于停产，半停产状态
C . C、借款人已资历不抵债
D . D、借款人还款意愿差，不与银行积极合作
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期初次级类贷款向下迁徙金额，是指期初次级类贷款中，在报告期末分类为可疑类和损失类的贷款余额之和。
A . 正确
B . 错误
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贷款不能归为次级类贷款的是（ ）。
A . 借新还旧
B . 同一借款人对其他银行的部分债务已经不良
C . 借款人分立以恶意逃废银行债务，本金已经逾期
D . 重组后的贷款仍然逾期
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《商业银行风险监管核心指标（试行）》规定，次级类贷款迁徙率=（）／（期初次级类贷款余额-期初次级类贷款期间减少金额）×100%。
A . 期初次级类贷款向下迁徙金额
B . 期末次级类贷款向下迁徙金额
C . 上期次级类贷款向下迁徙金额
D . 下期次级类贷款向下迁徙金额
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次级抵押贷款
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按贷款五级分类，不良贷款包括：次级贷款、可疑贷款和（）。
A . 正常贷款
B . 关注贷款
C . 损失贷款
D . 逾期贷款
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次级贷款迁徙率为次级贷款中变为可疑贷款和损失贷款的金额与次级贷款之比，应小于（）
A . 0.5%
B . 1.5%
C . 3%
D . 5%
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出现以下（）情况的贷款应列入次级类贷款。
A . A、借款人经营亏损，支付困难并且难以获得补充资金来源，经营活动的现金流量为负数；
B . B、借款人已不得不通过出售、变卖主要的生产、经营性固定资产来维持生产经营，或者通过拍卖抵押品、履行保证责任等途径筹集还款资金；
C . C、借款人内部管理出现问题，对正常经营构成实质性损害，妨碍债务的及时足额清偿；
D . D、抵押品评估报告、财产所有权证遗失，并且对还款构成实质性影响；
E . E、借款人在其他银行的贷款被划为次级类。
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抵押担保债务证券(collateralised mortgage obligation,COM)
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某银行年初次级类贷款余额为1000亿元，其中在当年年末转为可疑类、损失类的贷款金额之和为600亿元，期初次级类贷款期间因回收减少了200亿元，则次级类贷款迁徙率为（）。
A . 20%
B . 60%
C . 75%
D . 100%
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关注类贷款转次级类贷款迁徙率等于（）
A . 上期期末的关注类贷款在本期期末转为次级类的金额÷上期期末关注类贷款金额
B . 本期期末的关注类贷款预计在下期期末转为次级类的金额÷本期期末关注类贷款金额
C . 本年度内关注类贷款在转为次级类的金额÷本期期末关注类贷款金额
D . 预计在下一年度内关注类贷款在转为次级类的金额÷预计在下一年度末关注类贷款金额
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下列（）贷款至少可以划分为次级贷款。
A . A.住房按揭贷款本金或利息拖欠还款6次或180天以上
B . B.信用卡透支贷款本金或利息拖欠还款3次或90天以上
C . C.一般贷款逾期181天—360天
D . D.一般贷款逾期361—720天
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某银行2009年初次级类贷款余额为1000亿元，其中在2009年末转为可疑类、损失类的贷款金额之和为600亿元，期初次级类贷款期间因收回减少了200亿元，则次级类贷款迁徙率为（）。
A . 20%
B . 60%
C . 75%
D . 100%
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下列贷款属于受批评贷款：关注、次级、可疑、损失。
A . 正确
B . 错误
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某银行2008年初次级类贷款余额为1000亿元，其中在2008年末转为可疑类、损失类的贷款金额之和为600亿元，期间次级类贷款因回收减少了400亿元，则次级类贷款迁徙率为()。
A．0.25
B．0.5
C．0.75
D．1
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房地产投资信托（REITs)是指通过发行信托受益凭证等方式受托投资者的资金，然后进行房地产或者房地产抵押贷款（MortgAge)投资，并委托或聘请专业机构和人员实施具体的经营管理的一种资金信托投资方式。它应当遵循信托的基本原则和精神（)
A．信托财产的所有权和利益权相分离，财产的所有权属于受托人，利益权属于委托人
B．信托财产独立，从委托人、受托人和受益人的自有财产中分离出来成为独立的运作财产
C．信托财产的所有权和利益权相分离，财产的所有权属于委托人，利益权属于受托人
D．信托财产独立，但并未从受托人的自有财产中分离出来成为独立的运作财产
E．设立的基础是充分信任
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某银行2006年初次级类贷款余额为1000亿元，其中在2006年末转为可疑类、损失类的贷款金额之和为600亿元，期初次级类贷款期间因回收减少了200亿元。则次级类贷款迁徙率为（）。
A.20.0%
B.60.0%
C.75.0%
D.100.0%
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In 1950, a young man would have found it much easier than it is today to get and keep a job in the auto industry. And in that year the average autoworker could meet monthly mortgage (抵押贷款) payments on an average home with just 13.4 percent of his take-home pay. Today a similar mortgage would claim more than twice that share of his monthly earnings.
Other members of the autoworker’s family, however, might be less inclined to trade the present for the past. His retired parents would certainly have had less economic security back then. Throughout much of the 1960s, more than a quarter of men and women age 65 and older lived below the poverty level, compared to less than 10 percent in 2010.
In most states, his wife could not have taken out a loan or a credit card in her own name. In 42 states, a homemaker had no legal claim on the earnings of her husband. And nowhere did a wife have legal protection against family violence.
Most black workers would not want to return to a time when, on average, they earned 40 percent less than their white counterparts (职位相对的人), while racially restrictive agreements largely prevented them from buying into the suburban neighborhoods being built for white working-class families.
Today, new problems have emerged in the process of resolving old ones, but the solution is not to go back to the past. Some people may long for an era when divorce was still hard to come by. The spread of no-fault divorce has reduced the bargaining power of whichever spouse is more interested in continuing the relationship. And the breakup of such marriages has caused pain for many families.
The growing diversity of family life comes with new possibilities as well as new challenges. According to a recent poll, more than 80 percent of Americans believe that their current family is as close as the one in which they grew up, or closer. Finding ways to improve the lives of the remaining 20 percent seems more realistic than trying to restore an imaginary golden age.
61. What do we learn about American autoworkers in 1950？
A) They had less job security than they do today.
B) It was not too difficult for them to buy a house.
C) Their earnings were worth twice as much as today.
D) They were better off than workers in other industries.
62. What does the author say about retired people today？
A) They invariably long to return to the golden past.
B) They do not depend so much on social welfare.
C) They feel more secure economically than in the past.
D) They are usually unwilling to live with their children.
63. Why couldn’t black workers buy a house in a white suburban neighborhood？
A) They lacked the means of transportation.
B) They were subjected to racial inequality.
C) They were afraid to break the law.
D) They were too poor to afford it.
64. What is the result of no-fault divorce？
A) Divorce is easier to obtain.
B) Domestic violence is lessened.
C) It causes little pain to either side.
D) It contributes to social unrest.
65. What does the author suggest society do？
A) Get prepared to face any new challenges.
B) Try to better the current social security net.
C) Narrow the gap between blacks and whites.
D) Improve the lives of families with problems.
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根据《商业银行风险监管核心指标（试行）》规定，次级类贷款迁徙率为次级类贷款中变为（）的金额与次级类贷款之比
A．次级类贷款
B．损失类贷款
C．可疑类贷款
D．可疑类贷款和损失类贷款
