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《商业银行内部控制评价试行办法》规定，银监会对商业银行法人机构整体评价时，总部占整体评价得分的40％,分支机构平均得分占整体评价得分的60％，形成最终评级结果。
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Saving Money
Where you save your money often depends on what you are saving for. If you are saving to buy a CD (光盘) or to go to a concert, then probably you would keep your money somewhere in your room.＜br＞
If you are saving for a big purchase like a mountain bike or a school trip, where would you save your money？＜br＞
One place to save money is the bank. Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank (猪形储蓄罐) , one year later you&39;ll still have the same amount of money you put in. If you put your money in a savings account,one year later, you&39;ll have more money than you put in. Why？＜br＞
When you keep your money in a bank, your money earns interest. Interest is the amount of money a bank pays you to use your money. The bank uses your money (and the money of other people, too) to loan money to people and businesses.＜br＞
The bank will send you a statement several times a year. A bank statement tells you how much money you have in your. account. It also tells you how much interest you have earned. If you leave your money in the bank, you can watch it grow!＜br＞
Another way you can save money is to buy a certificate of deposit or CD. If you have some money that you don&39;t need to use for a long time, this is a good way to make your money grow.＜br＞
You can buy a CD at a bank. You agree not to use the money for a certain period of time. That period might be from six months to five years. You can&39;t touch your money during that time. If you do, you must pay a penalty, or fee.
Your money will earn more money if you put it__________. 查看材料
"Go out!" he said in a harsh voice.
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Approaches to Understanding Intelligences
It pays to be smart, but we are not all smart in the same way. You may be a talented musician, but you might not be a good reader. Each of us is different. Psychologists disagree about what is intelligence and what are talents or personal abilities. Psychologists have two different views on intelligence. Some believe there is one general intelligence. Others believe there are many different intelligences.＜br＞
Some psychologists say there is one type of intelligence that can be measured with IQ tests.＜br＞
These psychologists support their view with research that concludes that people who do well on one kind of test for mental ability do well on other tests. They do well on tests using words, numbers or pictures. They do well on individual or group tests, and written or oral tests. Those who do poorly on one test, do the same on all tests.＜br＞
Studies of the brain show that there is a biological basis for general intelligence. The brain of intelligent people use less energy during problem solving. The brain waves of people with higher intelligence show a quicker reaction. Some researchers conclude that differences in intelligence result from differences in the speed and effectiveness of information processing by the brain.＜br＞
Howard Gardner, a psychologist at the Harvard School of Education, has four children. He believes that all children are different and shouldn&39;t be tested by one intelligence test. Although Gardner believes general intelligence exists, he doesn&39;t think it tells much about the talents of a person outside of formal schooling. He thinks that the human mind has different intelligences.＜br＞
These intelligences allow us to solve the kinds of problems we are presented with in life. Each of us has different abilities within these intelligences. Gardner believes that the purpose of school should be to encourage development of all of our intelligences.＜br＞
Gardner says that his theory is based on biology. For example, when one .part of the brain is injured, other parts of the brain still work. People who cannot talk because of brain damage can still sing. So, there is not just one intelligence to lose. Gardner has identified 8 different kinds of intelligence: linguistic, mathematical, spatial, musical, interpersonal, intrapersonal, body-kinesthetic(身体动觉的), and naturalistic.
What is the main idea of this passage？ 查看材料
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