第三章测试1.贷款抵押或担保相当于变相提高了借款人的信用等级，所以对于担保贷款就不需要做贷后检查了。
A:对 B:错
答案:B
2.向处于生命周期成熟期的企业发放贷款风险最小，因为这类企业现金流入稳定，偿债能力强。
A:对 B:错 3.Larger banks have, on average, recently reduced their dependence on loans relative to smaller banks.()
A:对 B:错 4.In the following items, which ones are belonging to the waining signs of problem loans().
A:adverse changes in the price of stock B:unusual delays in receiving financial statements C:an sudden changes in accounting methods D:restructuring debt or eliminating dividend payments or changes in credit rating 5.按照贷款担保品的不同，可以把贷款分为（）
A:保证贷款 B:信用贷款 C:质押贷款 D:抵押贷款 6.Components of the cash flow statement include （）
A:operations cash flow B:financing cash flow C:capital D:investment cash flow 7.按照贷款的五级分类制度，不良贷款包括次级、可疑和损失类贷款。
A:错 B:对 8.The letter "C" in the CAMELS rating system for banks in the U.S. refers to the "condition" of a bank.
A:错 B:对 9.There are three principal sources of cash to repay a loan. These are cash flows generated from sales or income, funds generated from the liquidation of assets, and ,funds raised by selling debt or equtiy securities.
A:对 B:错 10.按照贷款五级分类制度，根据贷款的质量和风险程度，银行贷款可以分为（）。
A:可疑类 B:次级类 C:逾期类 D:正常类 E:关注类 F:损失类
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