[多选题]贷款人有下列( )情形之一,由中国人民银行责令改正:有违法所得的,没收违法所得,并处以违法所得1倍以上3倍以下罚款;没有违法所得的,处以5万元以上30万元以下罚款;构成犯罪的,依法追究刑事责任。
A.贷款人违反规定代垫委托贷款资金的
B.未经中国人民银行批准,对自然人发放外币贷款的
C.贷款人违反中国人民银行规定,对自营贷款或者特定贷款在计收利息之外收取其他任何费用的
D.委托贷款在计收手续费之外收取其他任何费用的

When he died in April of 1993, Dr. Jeol Hiderbrand was 101 years old, had been married for seventy years, and had taught freshmen chemistry to over 40,000 students. In addition, he had published a popular textbook and dozens of articles, had managed the U.S. Olympic ski team, and had discovered a way to allow deep-sea divers to stay underwater longer. In his own way, Dr. Jeol Hiderbrand was certainly a genius.
Dr. Jeol Hiderbrattd’s interest in chemistry began at an early age. In an interview, he once said that his interest formed because he was fortunate enough to be born before there was a television, so he had to make his own decisions about what to pay attention to. Even as a student in high school, Dr. Jeol Hiderbrand had the reputation as the one who learned more chemistry than his teacher knew. As a result he was given the keys to the high school chemistry lab, and there he discovered that the correct formula for a certain chemical compound was not the one gi
A. His ancestors.
B. His parents.
C. Heredity.
D. Hard working.

国务院总理温家宝在十届全国人大三次会议上作政府工作报告时强调，要着力解决与人民群众切身利益相关的突出问题，维护社会稳定，努力构建社会主义和谐社会。构建社会主义和谐社会是中国共产党加强执政能力建设的重要表现之一。
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