"Although medical science ________ control over several dangerous diseases,what ""Although medical science ________ control over several dangerous diseases,what worries us is that some of them are returning．A.achievedB.has achievedC.will achieveD.had achieved"
答案B现在完成时表示过去发生的事对现在造成的结果,表示动作已经完成.根据所提供的情景“what worries us that some of them are returning”可判断出一些危险的疾病已经得到了控制,但有它们中的一些疾病又开始传播.
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扫描下载二维码.— __________ is the population of China?.— __________ is the population of China?　　—Over 12 million.　　A.How many 　　B.how long 　　C.What 　　D.How答案是C 我选的是A为什么错了 Everyone is busy __________ ready for Christmas.　　A.to get 　　B.getting 　　C.got 　　D.gets答案B 怎么不用A　　 _________ of the boys plays football well.　　A.Both 　　B.All 　　C.Some 　　D.Neither答案是D By the end of last term,we _________ twenty songs.　　A.had learned 　　B.have learned 　　C.are learning 　　D.were learning 我选的B
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— _____what_____ is the population of China?=== How many people are there in China?how many的后面要加名词复数（people）Everyone is busy ____B______ ready for Christmas.1 BE BUSY +动词ing 2 be busy wi...
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population应用large/small来描述，如有“How large”，可选之，what 固然可以，人口是一个数据，可以用what 提问；busy后跟doing；看谓语，“plays”为单数形式，如选其他选项应用复数；过去的过去，by the end of last term,在某时间点前已做完用完成式（by），在过去某时间点前已做完则用过去完成时(the ...
population应用large/small来描述，如有“How large”，可选之，what 固然可以，人口是一个数据，可以用what 提问；busy后跟doing；看谓语，“plays”为单数形式，如选其他选项应用复数；过去的过去，by the end of last term,在某时间点前已做完用完成式（by），在过去某时间点前已做完则用过去完成时(the ...
扫描下载二维码求 英译中46. What is the main idea of this passage? ________________________________________
A. It is not customary to telephone someone in the morning and in sleeping hours in the U.S.B. The role of time in social life over the world.
C. If people are not prompt, they may be regarded as impolite or not fully responsible in the U.S.D. Not every country treats the concept of time as the same.47. What does it mean in the passage if you call someone during his or her sleeping hours?
_________________________________________________________________
A. A matter of work.B. A matter of life or death.C. You want to see him or her.D. You want to make an appointment with him or her.
48. Which of the following time is proper if you want to make an appointment with your friend?
___________________________________________________________________.
A. at 7:00 am.
B. at 4:00 pm.
C. at the midnight.
D. at 4:00 am.49. Which of the following statements is true according to the passage?
__________________.
A.In the U.S.A. guests tend to feel they are highly regarded if the invitation to a din&ner party is extended only three or four days before the party date.
B. There is no misunderstanding arising between people from different cultures about the concept of time.
C. It may be considered foolish to make an appointment well in advance in the U.S.A. .D. Promptness is valued highly in American life.50. From the passage we can safely infer that
_______________________________________ .A. it's a matter of life or death if you call someone in day timeB. the meaning of time differs in different parts of the worldC. it makes no difference in the U.S. whether you are early or late for a business partyD. if a person is late for a date, he needn't make some explanation
王德彪吓嫉38
46 .这一段主旨是?A.在美国人们不习惯在上午和睡眠时间给别人打电话.B.时间在世界各地社会生活中的作用.C.在美国如果人们不及时,他们可能会被视为不礼貌或不完全负责.D.并非每个国家对待时间这一概念相同.47 .如果你在别人睡觉时打电话给他或她,那意味着什么?A.工作问题.b.生死问题.C.您想看到他或她.D.您要和他或她约会.48 .如果您想和您的朋友约会,下列哪个时间段合适吗?a.在上午7:00 .B.在下午4:00 .C.在午夜.D.在上午04点00分.49 .根据文章以下哪项陈述是事实?a.在美国如果受邀恰好提前三到四天,客人往往会觉得自己受到高度重视.b、来自不同文化的人们对时间这一概念理解没有什么不同.C.在美国提前预约被认为愚蠢.D.在美国准时被高度重视.50 .从这篇文章我们能够推断出,_______________________________________ .A.如果你在白天打电话给别人,是因为有生死攸关的事情.b世界各地时间的意义不同.C.你是否能够准时参加一个商业活动不重要.d.如果一个人迟到了,他没有必要作一些解释
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扫描下载二维码What is Overcollateralization?
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What is Overcollateralization?
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Written By:
Mary McMahon
Edited By: Kristen Osborne
Last Modified Date: 27 November 2016
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Overcollateralization is a type of credit enhancement, a practice where a company takes steps to get a better
from a ratings agency by improving the finances backing a secured transaction. In the case of overcollateralization, a business backs a loan with assets in excess of the loan, thereby limiting
and enhancing the credit rating assigned to the loan. In a simple example, a company could back a $100,000 United States Dollars (USD) loan with $120,000 USD worth of assets.
There are a number of reasons for companies to use overcollateralization in a secured transaction. Getting a high credit rating for asset-backed securities is important, as it will make it possible to sell derivatives with high ratings, attracting investors interested in profits but concerned about risks.
In pools of securities brought together and packaged to create derivatives, overcollateralization is also a tactic used to make those securities look more appealing. An offer of a high
will also make it easier to get a loan, and will secure better terms on the loan, such as a lowered interest rate.
One major drawback to overcollateralization is who defines the value of the assets. In the credit crisis that began exploding in 2007, one of the most significant contributors was asset-backed securities, many of which were overcollateralized. In theory, these products were backed by assets in excess of their worth, lowing credit risks significantly, but when the true value of those assets was revealed, some of them experienced a rapid downgrade in credit ratings, and panic was triggered among investors.
Another issue is that as long as assets are used to back a loan, the borrower does not have free and clear access to them. They cannot be sold or transferred, used to back other debts, or utilized in other ways, because the creditor controls them. Thus, it is possible to tie up assets in an attempt to get a loan, reducing potential liquidity. This can cause problems when a company needs to raise capital quickly or wants to sell off assets with falling values before they trigger losses.
Credit enhancement in general began attracting controversy during the credit crisis of the early 2000s, as a number of firms began questioning the practice and asking if it had contributed to the creation of bubbles in some areas of the market. While tools like overcollateralization were initially seen as valuable things for investor confidence, critics suggested that they actually created a sense of false confidence that led to poor investment decisions.
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