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贷前调查中，可通过中介机构或银行自身网络开展的调查是( )。
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项目财务评估不包括( )。
短期负债增加失当，长期负债大量增加属于企业的( )的体现。
( )应根据项目的实际进度和资金需求发放。
Task 2Accidents are caused; they don’t just happen. The reason may be easy to sec: an overloaded tray, a shell’ out of reach, a patch of ice on the road. But more often than that there is a chain of events leading up to the misfortune—frustration, tiredness or just bad temper—that show what the accident really is, a sort of attack on oneself.Road accidents, for example, happen frequently after a family quarrel and we all know people who are accident-prone, so often at odds with themselves and the world that they seem to cause accidents for themselves and others.By definition, an accident is something you cannot predict or avoid, and the idea which used to be current, that the majority of road accidents are caused by a minority of criminally careless drivers, is not supported by insurance statistics. These show that most accidents involve ordinary motorists in a moment of carelessness or thoughtlessness.It is not always clear, either, what sort of conditions make people more likely to have an accident. For instance, the law requires all factories to take safety precautions and most companies have safety committees to make sure the regulations are observed, but still, every day in Britain, some fifty thousand men and women are absent from work due to an accident. These accidents are largely the result of human error or misjudgment—noise and fatigue, boredom or worry are possible factors which contribute to this. Doctors who work in factories have found that those who drink too much, usually people who have a high anxiety level, run three times the normal risk of accidents at work. "Accident-prone" here (in Para. 2) means（）
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