1、r i s k m a n a g e r s w i t h t w o a c c o u n t m a n a g e r t o d e a l w i t h t h e a b o v e k e y . S e c t i o n I o f c h a p t e r I I I r i s k m a n a g e m e n t r e q u i r e m e n t s p r e - l o a n i n v e s t i g a t i o n p r e - l o a n i n v e s t i g a t i o n s h o u l d d
2、o u b l e h a n d l e . P r e - l o a n i n v e s t i g a t i o n d o m i n a t e d b y f i e l d i n v e s t i g a t i o n s o n t h e g r o u n d , w h i l e u t i l i z i n g c r e d i t e n q u i r i e s , t e l e p h o n e e n q u i r i e s , b a n k i n f o r m a t i o n s y s t e m q u e r y
3、- r e l a t e d p e r s o n n e l , a n d s o o n . I n t e r v i e w s y s t e m o f B a n k s s t r i c t a p p l i c a t i o n o f t h e s y s t e m o f p e r s o n a l c r e d i t b u s i n e s s i n t e r v i e w . I n v e s t i g a t o r s s h o u l d w o r k w i t h b o r r o w e r s , t o t
4、h e r e p a y m e n t o r t h e g u a r a n t o r c r e d i t b u s i n e s s , s u c h a s p a r t i e s a n d t h e s p o u s e o f c o n f i r m e d a c t s s u c h a s l o a n s , g u a r a n t e e s , v e r i f i c a t i o n o f i t s a u t h e n t i c i t y a n d i t s r i g h t s a n d o b l
5、i g a t i o n s i n t h e c r e d i t b u s i n e s s , r e t a i n t h e s e s i g n e d t r a n s c r i p t o f t h e i n t e r v i e w , f r o m t h e f i r s t s t e p t o p r e v e n t f a l s e l o a n s a n d o t h e r b u s i n e s s r i s k s . I n v e s t i g a t o r s h o u l d r e t a i
6、n t h e b o r r o w e r s i g n a p e r s o n a l l o a n a p p l i c a t i o n , l o a n a p p l i c a t i o n s s h o u l d b e c l e a r l y t h e a m o u n t , p u r p o s e , d u r a t i o n a n d o t h e r i n f o r m a t i o n . I n v e s t i g a t o r s s h o u l d f o l l o w t h e p r a c
7、t i c e f o r i n f o r m a t i o n c o l l e c t i o n a n d v e r i f i c a t i o n o f d a t a a u t h e n t i c i t y i t c a r e f u l l y , a n d k e e p c o p i e s , p h o t o c o p i e s m u s t b e c h e c k e d a g a i n s t t h e o r i g i n a l a g r e e m e n t , e f f e c t i v e l y
8、p r e v e n t i n g b o r r o w e r s u s i n g f a l s e i n f o r m a t i o n t o a p p l y f o r c r e d i t . I n c o m e a n d o c c u p a t i o n , a n d o t h e r k e y i n f o r m a t i o n t o v e r i f y a u t h e n t i c i t y i n v e s t i g a t o r s s h o u l d c a r e f u l l y v e r
9、i f y i n g t h e b o r r o w e r s i n c o m e . T o i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , s u b j e c t t o p r o o f o f i n c o m e i s r e q u i r e d , b u t s h o u l d a l s o a u d i t p a y r o l l f l o w i n g w a t e r , a n d s t a f f t h a n t h e p e e r
10、c o n f i r m e d t h e a u t h e n t i c i t y o f t h e s a m e t y p e ; o p e r a t i n g i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , a n d s h o u l d r e f e r t o t h e w o r k i n g c a p i t a l l o a n s r e q u i r e d t o v e r i f y r e a l i n c o m e s , a c c u
11、r a c y ; g u a r d n o a b i l i t y t o r e p a y o r g u a r a n t e e o f t h e a b i l i t y o f t h e b o r r o w e r , g u a r a n t o r t o o b t a i n c r e d i t . G i v e n t h a t s o m e p r o d u c t s f o r a n o b j e c t t o h a v e a s p e c i f i c p r o f e s s i o n a l r e s t
12、r i c t i o n s 2016 考 研会 计 硕 士 英语 讲 义 连 载( 三) 2016 年 考研 转眼就 到了。 为了帮助 报考 会计硕 士的 研友进行 最后 的复习 ，小 编特意为 大家 整理 了 MPAcc 英语 讲义 ， 希望对 大家 的备 考有 帮助 。 第三节 句子 写作 一.常 见错 误分 析(From Wrong sentence to correct sentence) a. 句 子片 段，断 句 (sentence fragment) There is a pretty American girl, she s smiling. It is a cartoon
13、, that a cock give a admission to others. But if not, is it a hen? Because mostly people are freed in the same time. In 1995, there is one fish on the ocean, but ships are many and many. b. 时 态混 乱 In 1995 the number of fish we can see were very few and at the same time, many fishing occurred before
14、our eyes. (time reference: 1995) During the past time there are not abundant goods in the market. People would not concern service quality so long as they could buy what they needed. (time reference: past time) Every year about 300 million people died disease that deprive from smoking. Smoking use m
15、uch money every year. (time reference: every year) In 1994, the total product of tobacco is 14.364 billion pounds and in 1995, is 14.2 billion pounds. (time reference: 1994 + 1995) What caused this phenomenon? (time reference: null) c. 代 词误 用 It is incredible to many people. Cigarette smokers spend
16、money for illness. He was knocked down by a bicycle, but it was not serious. r i s k m a n a g e r s w i t h t w o a c c o u n t m a n a g e r t o d e a l w i t h t h e a b o v e k e y . S e c t i o n I o f c h a p t e r I I I r i s k m a n a g e m e n t r e q u i r e m e n t s p r e - l o a n i n v
17、 e s t i g a t i o n p r e - l o a n i n v e s t i g a t i o n s h o u l d d o u b l e h a n d l e . P r e - l o a n i n v e s t i g a t i o n d o m i n a t e d b y f i e l d i n v e s t i g a t i o n s o n t h e g r o u n d , w h i l e u t i l i z i n g c r e d i t e n q u i r i e s , t e l e p h o
18、 n e e n q u i r i e s , b a n k i n f o r m a t i o n s y s t e m q u e r y - r e l a t e d p e r s o n n e l , a n d s o o n . I n t e r v i e w s y s t e m o f B a n k s s t r i c t a p p l i c a t i o n o f t h e s y s t e m o f p e r s o n a l c r e d i t b u s i n e s s i n t e r v i e w . I n
19、 v e s t i g a t o r s s h o u l d w o r k w i t h b o r r o w e r s , t o t h e r e p a y m e n t o r t h e g u a r a n t o r c r e d i t b u s i n e s s , s u c h a s p a r t i e s a n d t h e s p o u s e o f c o n f i r m e d a c t s s u c h a s l o a n s , g u a r a n t e e s , v e r i f i c a t
20、 i o n o f i t s a u t h e n t i c i t y a n d i t s r i g h t s a n d o b l i g a t i o n s i n t h e c r e d i t b u s i n e s s , r e t a i n t h e s e s i g n e d t r a n s c r i p t o f t h e i n t e r v i e w , f r o m t h e f i r s t s t e p t o p r e v e n t f a l s e l o a n s a n d o t h e
21、 r b u s i n e s s r i s k s . I n v e s t i g a t o r s h o u l d r e t a i n t h e b o r r o w e r s i g n a p e r s o n a l l o a n a p p l i c a t i o n , l o a n a p p l i c a t i o n s s h o u l d b e c l e a r l y t h e a m o u n t , p u r p o s e , d u r a t i o n a n d o t h e r i n f o r m
22、 a t i o n . I n v e s t i g a t o r s s h o u l d f o l l o w t h e p r a c t i c e f o r i n f o r m a t i o n c o l l e c t i o n a n d v e r i f i c a t i o n o f d a t a a u t h e n t i c i t y i t c a r e f u l l y , a n d k e e p c o p i e s , p h o t o c o p i e s m u s t b e c h e c k e d a
23、 g a i n s t t h e o r i g i n a l a g r e e m e n t , e f f e c t i v e l y p r e v e n t i n g b o r r o w e r s u s i n g f a l s e i n f o r m a t i o n t o a p p l y f o r c r e d i t . I n c o m e a n d o c c u p a t i o n , a n d o t h e r k e y i n f o r m a t i o n t o v e r i f y a u t h e
24、 n t i c i t y i n v e s t i g a t o r s s h o u l d c a r e f u l l y v e r i f y i n g t h e b o r r o w e r s i n c o m e . T o i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , s u b j e c t t o p r o o f o f i n c o m e i s r e q u i r e d , b u t s h o u l d a l s o a u d i t p
25、 a y r o l l f l o w i n g w a t e r , a n d s t a f f t h a n t h e p e e r c o n f i r m e d t h e a u t h e n t i c i t y o f t h e s a m e t y p e ; o p e r a t i n g i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , a n d s h o u l d r e f e r t o t h e w o r k i n g c a p i t a
26、 l l o a n s r e q u i r e d t o v e r i f y r e a l i n c o m e s , a c c u r a c y ; g u a r d n o a b i l i t y t o r e p a y o r g u a r a n t e e o f t h e a b i l i t y o f t h e b o r r o w e r , g u a r a n t o r t o o b t a i n c r e d i t . G i v e n t h a t s o m e p r o d u c t s f o r a
27、 n o b j e c t t o h a v e a s p e c i f i c p r o f e s s i o n a l r e s t r i c t i o n s Everyone should do that he or she have promised, but not just their duty. Second, perhaps this is the main reason. Can you find anything new in this? d. 其 他错 误 If you do your homework thoughtfully, a student
28、 should be able to pass this examination. Jerry swallowed a steak, and an entire half a gallon of ice cream was eaten by him. Seen from the top of the mountain, we found the small town more beautiful. 二.句 子质 量提 升 (From correct-only sentence to enhanced sentence) 1.句子 质量 的基 本改 进 a. 短句(choppy sentence
29、) Water is an enduring source of power. It is also an unlimited energy source. Dams produce power. They have existed for a long time. But windmills are relatively new. We must find new sources of energy. Natural sources of energy are decreasing. Solar energy is a promising new source of energy. Sola
30、r energy is energy from the sun. b. 松 散句 (loose sentence) 信息重 要性 确定 句式 1) I was interested in English, but I finally chose computer as my major. 2) I chose computer as my major, although I was interested in English. 多于 2 个句 子的 松散 句， 可以考 虑修 改 Many students attend classes all morning, and then they wo
31、rk all afternoon, and they also have to study at night, so they are usually exhausted by the weekend. c. 赘 言问 题 (redundant) In my opinion, I believe exam-oriented assessment system needs to be changed. 凯 程考 研辅导 班， 中国最 强的 考研辅 导机 构，http:/ 考 研就 找凯程 考研 ，学生 满意 ，家长 放心 ，社会 认可 ！ r i s k m a n a g e r s w i
32、t h t w o a c c o u n t m a n a g e r t o d e a l w i t h t h e a b o v e k e y . S e c t i o n I o f c h a p t e r I I I r i s k m a n a g e m e n t r e q u i r e m e n t s p r e - l o a n i n v e s t i g a t i o n p r e - l o a n i n v e s t i g a t i o n s h o u l d d o u b l e h a n d l e . P r
33、e - l o a n i n v e s t i g a t i o n d o m i n a t e d b y f i e l d i n v e s t i g a t i o n s o n t h e g r o u n d , w h i l e u t i l i z i n g c r e d i t e n q u i r i e s , t e l e p h o n e e n q u i r i e s , b a n k i n f o r m a t i o n s y s t e m q u e r y - r e l a t e d p e r s o n
34、n e l , a n d s o o n . I n t e r v i e w s y s t e m o f B a n k s s t r i c t a p p l i c a t i o n o f t h e s y s t e m o f p e r s o n a l c r e d i t b u s i n e s s i n t e r v i e w . I n v e s t i g a t o r s s h o u l d w o r k w i t h b o r r o w e r s , t o t h e r e p a y m e n t o r t
35、h e g u a r a n t o r c r e d i t b u s i n e s s , s u c h a s p a r t i e s a n d t h e s p o u s e o f c o n f i r m e d a c t s s u c h a s l o a n s , g u a r a n t e e s , v e r i f i c a t i o n o f i t s a u t h e n t i c i t y a n d i t s r i g h t s a n d o b l i g a t i o n s i n t h e c
36、r e d i t b u s i n e s s , r e t a i n t h e s e s i g n e d t r a n s c r i p t o f t h e i n t e r v i e w , f r o m t h e f i r s t s t e p t o p r e v e n t f a l s e l o a n s a n d o t h e r b u s i n e s s r i s k s . I n v e s t i g a t o r s h o u l d r e t a i n t h e b o r r o w e r s i
37、g n a p e r s o n a l l o a n a p p l i c a t i o n , l o a n a p p l i c a t i o n s s h o u l d b e c l e a r l y t h e a m o u n t , p u r p o s e , d u r a t i o n a n d o t h e r i n f o r m a t i o n . I n v e s t i g a t o r s s h o u l d f o l l o w t h e p r a c t i c e f o r i n f o r m a
38、t i o n c o l l e c t i o n a n d v e r i f i c a t i o n o f d a t a a u t h e n t i c i t y i t c a r e f u l l y , a n d k e e p c o p i e s , p h o t o c o p i e s m u s t b e c h e c k e d a g a i n s t t h e o r i g i n a l a g r e e m e n t , e f f e c t i v e l y p r e v e n t i n g b o r r
39、o w e r s u s i n g f a l s e i n f o r m a t i o n t o a p p l y f o r c r e d i t . I n c o m e a n d o c c u p a t i o n , a n d o t h e r k e y i n f o r m a t i o n t o v e r i f y a u t h e n t i c i t y i n v e s t i g a t o r s s h o u l d c a r e f u l l y v e r i f y i n g t h e b o r r o
40、w e r s i n c o m e . T o i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , s u b j e c t t o p r o o f o f i n c o m e i s r e q u i r e d , b u t s h o u l d a l s o a u d i t p a y r o l l f l o w i n g w a t e r , a n d s t a f f t h a n t h e p e e r c o n f i r m e d t h e a u
41、t h e n t i c i t y o f t h e s a m e t y p e ; o p e r a t i n g i n c o m e a s t h e m a i n s o u r c e o f r e p a y m e n t , a n d s h o u l d r e f e r t o t h e w o r k i n g c a p i t a l l o a n s r e q u i r e d t o v e r i f y r e a l i n c o m e s , a c c u r a c y ; g u a r d n o a b
42、i l i t y t o r e p a y o r g u a r a n t e e o f t h e a b i l i t y o f t h e b o r r o w e r , g u a r a n t o r t o o b t a i n c r e d i t . G i v e n t h a t s o m e p r o d u c t s f o r a n o b j e c t t o h a v e a s p e c i f i c p r o f e s s i o n a l r e s t r i c t i o n s 凯程 考研， 考研机构，
43、10 年高质量辅导， 值得 信赖！ 以 学员的前途为已任， 为学 员提 供高效、专业的服务，团队合作, 为学员服务，为学员引路。 In general, young people these days tend to remain single. The reason why people choose to live in the countryside is because there is no pollution nor noise there. It is highly important to find a solution to solve this problem. d. 汉
44、化英 语 (Chinese-English) Water shortage is a serious problem in big cities, such as Shanghai, because it has over ten million people. Government should work hard to raise the living level of the people. Doing regular exercises can help our body. 2.句子 质量 的加 强改 进 a. 强 调句 b. 倒 装句 c. 平 行句 Parallel Structu
45、re I am not sure whether I should give the beggar money or to offer him food. They would lie on the battlefield for hours and sometimes days. He left the city because he didn t get success in business, because his friends came and because his health deteriorated. The criminal was found guilty becaus
46、e he stole sth in the shop and sent bribes to judges. d. 插 入语 Inserted phrases In other words, over-fishing will lead to negative effect on our environment. According to a report on fishing released by .University, the fishing boats are 25 times more than 20 years ago. r i s k m a n a g e r s w i t
47、h t w o a c c o u n t m a n a g e r t o d e a l w i t h t h e a b o v e k e y . S e c t i o n I o f c h a p t e r I I I r i s k m a n a g e m e n t r e q u i r e m e n t s p r e - l o a n i n v e s t i g a t i o n p r e - l o a n i n v e s t i g a t i o n s h o u l d d o u b l e h a n d l e . P r e
48、- l o a n i n v e s t i g a t i o n d o m i n a t e d b y f i e l d i n v e s t i g a t i o n s o n t h e g r o u n d , w h i l e u t i l i z i n g c r e d i t e n q u i r i e s , t e l e p h o n e e n q u i r i e s , b a n k i n f o r m a t i o n s y s t e m q u e r y - r e l a t e d p e r s o n n
49、e l , a n d s o o n . I n t e r v i e w s y s t e m o f B a n k s s t r i c t a p p l i c a t i o n o f t h e s y s t e m o f p e r s o n a l c r e d i t b u s i n e s s i n t e r v i e w . I n v e s t i g a t o r s s h o u l d w o r k w i t h b o r r o w e r s , t o t h e r e p a y m e n t o r t h e g u a r a n t o r c r e d i t b u s i n e s s , s u c h a s p a r t i e s a n d t h e s p o u s e o f c o n f i r m e d a c t s s u c h a s l o a n s , g u a r a n t e e s , v e r i f i c a t i o n o f i t s a u t h e n t i c i t y a n d i t
