题目内容

按照国际惯例,下列关于信用评定方法的说法,正确的是()。

A. 对企业采用评级方法,对个人客户采用评分方法
B. 对企业采用评分方法,对个人客户采用评级方法
C. 对企业客户和个人客户都采用评级方法
D. 对企业客户和个人客户都采用评分办法

查看答案
更多问题

Every code of etiquette has contained three elements; basic moral duties; practical rules which promote efficiency; and artificial, optional graces such as formal compliments to, say, women on their beauty or superiors on their generosity and importance.
In the first category are considerations for the weak and respect for age. Among the ancient Egyptians the young always stood in the presence of older people. Among the Mponguwe of Tanzania, the young men bow as they pass the huts of the elders. In England, until about a century ago, young children did not sit in their parents' presence without asking permission.
Practical rules arc helpful in such ordinary occurrences of social life as making proper introductions at parties or other functions so that people can be brought to know each other. Before the invention of the fork, etiquette directed that the fingers should be kept as clean as possible; before the handkerchief came into common use, etiquette suggested that after spitting, a person should rob the spit inconspicuously underfoot.
Extremely refined behavior, however, cultivated as an art of gracious living, has been characteristic only of societies with wealth and leisure, which admitted Women as the social equals of men. After the fall of Rome, the first European society to regulate behavior. in private life in accordance with a complicated code of etiquette was twelfth-century Provence, in France. Provence had become wealthy. The lords had returned to their castle from the crusades, and there the ideals of chivalry grew up, which emphasized the virtue and gentleness of women and demanded that a knight should profess a pure and dedicated love to a lady who would be his inspiration, and to whom he would dedicate his valiant deeds, though he would never come physically close to her. This was the introduction of the concept of romantic love, which was to influence literature for many hundreds of years and which still lives on in a debased form. in simple popular songs and cheap novels today
In Renaissance Italy too, in the fourteenth and fifteenth centuries, a wealthy and leisured society developed an extremely complex code of manners, but the rules of behavior. of fashionable society had little influence on the daily life of the lower classes. Indeed many of the rules, such as how to enter a banquet room, or how to use a sword or handkerchief for ceremonial purposes, were irrelevant to the way of life of the average working man, who spent most of his life outdoors or in his own poor hut and most probably did trot have a handkerchief, certainly not a sword, to his name.
Yet the essential basis of all good manners does not vary. Consideration for the old and weak and the avoidance of harming or giving unnecessary offence to others is a feature of all societies everywhere and at all levels from the highest to the lowest.
One characteristic of the rich classes of a declining society is their tendency to ______.

A. be more prosperous and incite community riot
B. absorb the newly rich in order to reinforce their ruling
C. refuse etiquette because it is a form. of barrier
D. adopt a set of etiquette which belongs to themselves exclusively

下列指标中属于客户风险的基本面指标的是()。

A. 净资产负偾率
B. 流动比率
C. 管理层素质
D. 现金比率

采用回收现金流法计算违约损失率时,若回收金额为04亿元,回收成本为0.84亿元.违约风险暴露为2亿元,则违约损失率为()。

A. 33.00%
B. 67.00%
C. 30.00%
D. 33.00%

David Landes, author of The Wealth and Poverty of Nations: Why Some Are So Rich and Some So Poor, credits the world's economic and social progress over the last thousand years to "Western civilization and its dissemination." The reason, he believes, is that Europeans invented systematic economic development Landes adds that three unique aspects of European culture were crucial ingredients in Europe's economic growth.
First, science developed as an autonomous method of intellectual inquiry that successfully disengaged itself from the social constraints of organized religion and from the political constraints of centralized authority. Though Europe lacked a political center, its scholars benefited from the use of a single vehicle of communication: Latin. This common tongue facilitated an adversarial discourse in which new ideas about the physical world could be tested, demonstrated, and then accepted across the continent and eventually across the world.
Second, Landes espouses a generalized form. of Max Weber's thesis that the values of work, initiative, and investment made the difference for Europe. Despite his emphasis on science, Landes does not stress the notion of rationality as such. In his view, "what counts is work, thrift, honesty, patience, [and] tenacity." The only route to economic success for individuals or states is working hard, spending less than you earn, and investing the rest in productive capacity. This is his fundamental explanation of the problem posed by his book's subtitle: "Why Some Are So Rich and Some So Poor." For historical reasons—an emphasis on private property, an experience of political pluralism, a temperate climate, an urban style—Europeans have, on balance, followed those practices and therefore have prospered.
Third, and perhaps most important, Europeans were learners. They "learned rather greedily," as Joel Mokyr put it in a review of Landes's book. Even if Europeans possessed indigenous technologies that gave them an advantage (spectacles, for example), as Landes believes they did, their most vital asset was the ability to assimilate knowledge from around the world. and put it to use—as in borrowing the concept of zero and rediscovering Aristotle's Logic from the Arabs and taking paper and gunpowder from the Chinese via the Muslim world. Landes argues that a systematic resistance to learning from other cultures had become the greatest handicap of the Chinese by the eighteenth century and remains the greatest handicap of Arab countries today.
Although his analysis of European expansion is almost nonexistent, Landes does not argue that Europeans were beneficent bearers of civilization to a benighted world. Rather, he relies on his own commonsense law: "When one group is strong enough to push another around and stands to gain by it, it will do so." In contrast to the new school of world historians, Landes believes that specific cultural values enabled technological advances that in turn made some Europeans strong enough to dominate people in other parts of the world. Europeans therefore proceeded to do so with great viciousness and cruelty. By focusing on their victimization in this process, Landes holds, some postcolonial states have wasted energy that could have been put into productive work and investment. If one could sum up Landes's advice to these states in one sentence, it might be "Stop whining and get to work." This is particularly important, indeed hopeful, advice, he would argue, because success is not permanent. Advantages are not fixed, gains from trade are unequal, and different societies react differently to market signals. Therefore, not only is there hope for undeveloped countries, but developed countries have little cause to be complacent, because the current situation "will press hard" on them.
The thrust of studies like Landes's is to identify those distinctive features of European civilization that lie behind Europe's rise to po

A. they lack work ethic
B. they are scientifically backward
C. they lack rationality
D. they are victimized by colonists

答案查题题库