第11题: [多项选择]以下说法中正确的是（）。 A. 对同一借款人的贷款余额与商业银行资本余额的比例不超过20％ B. 银行可以利用拆入奖金发放固定资产贷款或用于投资 C. 商业银行向关系人发放担保贷款的条件不得优于其他借款人同类贷款的条件 D. 商业银行在中华人民共和国境内不得从事信托投资和证券经营业务 E. 商业银行办理票据承兑、汇兑、委托付款等结算业务时，应当按照规定的期限兑现 参考答案:C, D, E 答案解析:
第28题: [单项选择]According to the passage people who have experienced ups and downs may become ______. A. nervous when faced with difficulties B. physically and mentally strained C. more capable of coping with adversity D. indifferent toward what happens to them 参考答案:C 答案解析:根据文章最后一段倒数第二句话“Many come through periods of stress with more physical and mental vigor than they had
