在对商业银行客户进行信用风险识别时，以下不是关于单一法人客户的非财务因素分析的是()。
A. 客户的企业管理者的人品、诚信度、授信动机、经营能力以及道德水平，如经营者相对于所有者的独立性、决策过程等
B. 客户企业的效率比率分析
C. 客户l的销售风险分析，如销售价额及渠道、竞争程度、销售量及库存等
D. 客户企业的总体经营风险分析，如企业在行业中的地位、企业整体特征等
Which of the following best describes the hypothesis of Hoyle and Wickramashinghe？
A. Molecules of interstellar formaldehyde can evolve into complex organic molecules.
B. Interstellar formaldehyde can be synthesized by tunneling.
Cosmic rays can directly synthesize complex organic molecules.
D. The galactic clouds are the places where prebiological evolution of compounds necessary to life occurred.
A．The man should put some ice on his injury.B．The man ought to take it easy for a few
A. The man should put some ice on his injury.
B. The man ought to take it easy for a few days.
C. The man should fill the paint can with iced water.
D. The man needs to come into the office right away.
根据《巴塞尔新资本协议》对违约的定义，下列哪项不能视为违约()。
A. 商业银行认定，除非采取追索措施，借款人可能无法全额偿还对商业银行的债务
B. 债务人对于商业银行的实质性信贷债务逾期90天以上
C. 商业银行提高对客户的贷款计息水平
D. 债务人超过了规定的透支限额或新核定的限额小于目前余额，且这些透支超过了90天以上
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