【文章內容簡介】 不得為任何單位或個人查詢。（）錯 * 從單位銀行結算賬戶向個人銀行結算賬戶支付款項單筆超過5萬元的，付款單位若在付款用途欄或備注欄注明事由，可不再另行出具付款依據的，但應對支付款項事由的真實性、合法性負責。（）√* 在票據和結算憑證大寫金額欄內應該預印固定“仟，佰，拾，萬，仟，佰，拾，元，角，分”字樣。（*）錯* 非獨立核算的的附屬機構也可以在金融機構開設基本存款賬戶。（*）錯 * 支票的出票人不可以在支票上記載自己為收款人。（*）錯* 出票人簽發(fā)的支票金額超過付款時在付款人處實有的存款金額的為空頭支票。（/）* 一般存款賬戶用于辦理存款人借款轉存，借款歸還和其他結算的資金收付時，該賬戶可以辦理現金支取，但不得辦理現金繳存。（*）錯* 單位、個人和銀行必須使用按中國人民銀行統(tǒng)一規(guī)定印制的票據憑證和統(tǒng)一規(guī)定的結算憑證是辦理支付結算形式要件的格式要求。(/)對 * 《票據法》規(guī)定，票據上有偽造簽章的將影響票據上其他真實簽章的效力。()錯* 持票人因超過票據權利時效或者因票據記載事項欠缺而喪失票據權利的，也喪失民事權利。()錯* 匯票上沒有記載付款日期的，為見票即付。（）對* 掛失止付并非是票據權利喪失補救的必經措施，而只是暫時的預防措施。（）對* 承兌是匯票特有的制度，本票和支票都無須承兌。對。* 劃線支票只能用于轉賬，不能支取現金。對* 支票的持票人超過提示付款期限提示付款的，持票人開戶銀行不予受理，付款人不予付款。但出票人仍應當對持票人承擔票據責任。對* 支票的持票人超過提示付款期限提示付款的，持票人開戶銀行不予受理，持票人作出相應說明后，付款人仍應付款。()錯* 支票的金額、收款人名稱可以由出票人授權補充記載。對* 匯票未記載付款日期的，視為見票即付。對。* 付款人對向其提示承兌的匯票，應當自收到提示承兌的匯票之日起３日內承兌或者拒絕承兌。如果３日內不作承兌與否表示的，則視為拒絕承兌 對。* 付款人承兌匯票，不得附有條件；承兌附有條件的，視為拒絕承兌。對。* 持票人未按照規(guī)定期限提示付款的，在作出說明后，承兌人或者付款人仍應當繼續(xù)對持票人承擔付款責任。對。* 商業(yè)匯票背書未記載日期的，視為在匯票到期日前背書。對。* 匯票以背書轉讓或者以背書將一定的匯票權利授予他人行使時，必須記載被背書人名稱。對。* 背書人在匯票上記載“不得轉讓”，則該匯票不得轉讓。即使進行貼現、質押，也是無效的。其后手再背書轉讓的，原背書人對后手的被背書人不承擔保證責任。對。* 如果背書在實質上不連續(xù)（如偽造簽章），付款人仍應對持票人付款。對。* 背書人在票據上的簽章不符合要求的，票據無效。（）錯* 票據保證包括簽署合同或者條款。()錯* 保證附有條件的，所附條件無效，但保證本身仍然具有效力。對。* 單位卡不得用于10萬元以上的商品交易、勞務供應款項的結算。對。* 發(fā)卡銀行對貸記卡持卡人未償還最低還款額方式或超過其信用額度用卡的行為，應當分別按最低還款額未還部分或超過其信用額度部分的2%收取滯納金和超限費。()錯。5% * 收賬通知是銀行將款項確已收入收款人賬戶的憑據。對。* 匯入行對收款人發(fā)出取款通知，經過２個月無法交付的匯款，可主動辦理退匯手續(xù)。對。* 匯款回單可以作為該筆匯款已轉入收款人賬戶的證明。()錯* 銀行匯票的持票人向銀行提示付款時，必須提交銀行匯票。（*）錯* 商業(yè)匯票背書連續(xù)主要是指背書在形式上的連續(xù)。如果背書在實質上不連續(xù)（如偽造簽章），付款人仍應對持票人付款。（/）對 * 單位和個人憑已承兌商業(yè)匯票、債券、存單等付款人債務證明辦理款項的結算，均可以使用委托收款結算方式。（/）對* 銀行匯票在《票據法》規(guī)定事項以外另行記載其他出票事項，該記載事項同樣具有票據效力。（*）錯* 匯票的出票人必須與付款人具有真實的委托付款關系，不得簽發(fā)無對價的匯票用以騙取銀行或其他票據當事人的資金。（/）對* 銀行匯票的持票人超過提示付款期限未向代理付款銀行提示付款，則出票銀行的付款責任免除。（*）錯* 支票的提示付款期限自出票之日10天，出票人在支票上另行記載到期日的，該記載也不具有票據上的效力。（/）對* 銀行匯票未填明實際結算金額和多余金額或實際結算金額超出出票金額的，銀行不予受理。銀行匯票的實際結算金額不得更改，更改實際結算金額的銀行匯票無效。（/）對* 銀行匯票是出票銀行簽發(fā)的,由其在見票時按照出票金額無條件支付給收款人或者持票人的票據。（*）錯* 銀行匯票持票人向銀行提示付款時，必須同時提交銀行匯票和解訖通知，缺少任何一聯，銀行不予受理。（/）對* 票據可以背書轉讓，但注明“現金”字樣的銀行匯票和支票都不得背書轉讓。（*）錯 * 單位和個人的各種款項結算，均可以使用銀行匯票。（/）對* 簽發(fā)現金銀行匯票，申請人可以是單位或個人，但收款人只能為個人；收款人是單位的，銀行不得為其簽發(fā)現金銀行匯票。（*）錯* 未填明實際結算金額和多余金額或實際結算金額超過票面金額的銀行匯票，銀行不予受理。（/）對第三篇：2014年成人英語閱讀理解練習及答案(五)2014年成人英語閱讀理解練習及答案五A house is the most expensive thing most people will ever few people have enough money of their own to buy a home, so they have to borrow money from a money from a bank to buy a house is called “take a mortgage(抵押).”The bank usually lends money or gives a mortgae for twentyfive are so expensive that many people nowadays have to borrow as much as $ 50 other words, they will have a $ 50 000 can you get a mortgage? When you find a house you like, you go to a bank will research you financial(金融的)history and decide think you are a good will want to know what kind of job you have, what kind of salary you make, and how long you have had the will also want to know how much money you addition, the banks will require a down on which state you live in, the bank may require as much as 30% of theprice of the house as a down bank will then lend you the rest of the money to buy the people are never able to buy a house because they cannot save enough money for the down does a house mean in the United States? A)It is a dream which many people can hardly )It is so expensive that many people cannot really buy )It is the most important property that many people try to )It doesn39。t belong to people if they can39。t borrow money from the American people borrow money from the bank for 25 years, this means that the person who borrows A)has twentyfive years to pay back the money B)has more than twentyfive years to pay back the money C)has less than twentyfive years to pay back the money D)has about twentyfive years to pay back the money does“down payment”refer to in the passage? A)Money borrowed from a bank as a )Interest received by a person who borrows money as the )Interest charged by a bank on a is not one of the things researched by a bank? A)How much money the borrower )What salary the borrower )What kind of job the borrower )What kind of house the borrower lives most suitable title for this passage would be )How to Save Money on the House B)How to Borrow Money from a Bank C)How to Take a Mortgage D)How to Buy a House 【答案解析】41.【答案精解】C。細節(jié)題。從第一句A house is the most expensive thing most people will ever 。A、B兩項都提到買房子的不可能性，與文章中的抵押貸款從而購房相悖。D項過于絕對化，并不是所有的人都必須通銀行貸款才買得起房子。42.【答案精解】A。細節(jié)題。從文章第一段The bank Usually lends money or gives a mortgage for twentyfive years得出銀行的借期是25年，是一準確的數字，而不是多于、少于或大約25年。43.【答案精解】B。釋義題。從“down payment”的后一句話The bank will then lend you the rest of the money to buy the house可以推知“down payment”是在取得貸款之前自己先支付的那部分款項，即首付款。44.【答案精解】D。細節(jié)題。題干詢問的是銀行查詢的內容，集中在文章第二段，可以用對比排除的方法得出答案。A、B、C三項文章都有提及，剩下的一項即為正確答案。45.【答案精解】C。主旨題。文章第一段由購房展開，引出了在當前房價高的形勢下，人們購房所采用的方式——抵押貸款。并于第二段展開說明如何進行抵押貸款。Broadband technology is seen as the key to the new digital this rapidly changing world, media and technology information Can be sent via phone calls and downloads like music, graphics, business information or simpler the information, the smaller the package and the narrower the bandwidth needed to deliver is used for high speed Internet connections at a fixed monthly turns an exciting telephone line into a high speed digital line capable of carrying data up to 40 times conventional modem download is available at the click of a mousethere is no dialup as there is with standard Internet Service home owners and families there are many of the most important is simultaneous(同時的)access to both telephone lines and the queses and no businesses, broadband can impove customer relations and provide direct access to corporate emalls and operations can go function that broadband technology has on the new digital economy is )further B)critical C)costly D)global much does a user pay if he has broadband technology installed? A)It depends On the length of )It depends on the times of )He pays at a fixed monthly )He pays a lot of )at up to fort