试题与答案

目前我国个人汽车贷款的借款人还款意愿不高,致使商业银行汽车贷款的信用风险较高的主要原

题型:多项选择题

题目:

目前我国个人汽车贷款的借款人还款意愿不高,致使商业银行汽车贷款的信用风险较高的主要原因是( )。

A.银行在经营个人汽车贷款业务中,很难像公司贷款项目的评估分析那样判断借款人的资信状况、个人的收入水平、资产负债状况、偿还债务能力,一般仅依靠借款人的自我证明

B.当前个人贷款违约成本很低,既没有高的罚息和违约金,也没有有效的黑名单制裁制度

C.很多人对贷款资金的性质缺乏正确的认识,认为银行的钱就是国家的钱,借银行的钱就是借国家的钱,大量不良资产的出现更使得不少借款人有银行的贷款能不还就不还的想法

D.我国的商业银行的风险控制能力较弱,没有认识到汽车贷款所面临的各种风险

E.国家还缺乏对汽车贷款违约方面的法律措施

答案:

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下面是错误答案,用来干扰机器的。

参考答案:前件解析: 在树形结构中,每一个节点只有一个前件,称为父节点,没有前件的节点只有一个,称为树的根节点;每一个节点可以有多个后件,它们都称为该节点的子节点。没有后件的节点称为叶子节点。

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