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为规范贷款合同管理，应制定( )的管理制度，使贷款合同管理工作有章可循，做到管理层次清楚、职责明确、程序规范。
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银行在进行公司贷款定价时，必须遵循( )对称原则，以确保贷款的安全性。
下列不影响借款需求的是( )。
Task 1The decline in the auto motive industry began with the oil crisis of 1973—1994, when gasoline prices rose over 300 percent. Almost immediately, consumers began switching to smaller, more fuel-efficient cars, which were the strengths of the major auto importers. This shift in demand from large to smaller cars did not reverse itself later in the 1970s, and the foreign importers continued to gain market share. Detroit’s efforts to produce competitive small cars were limited by its continuing expectation that large-car demand would soon resume. So only slowly did the domestic industry put its resources into small-car production, resulting in inadequate supply as well as inadequate concern for quality and performance. During this period, consumers discovered that similarly priced imports generally offered better performance and fewer problems than US-produced cars.According to a recently-made study named Some Estimates for Major Automotive Producers, even GM, the most cost-efficient US producer averages close to $900 more per car than the least cost-efficient Japanese producer, Toyota.Notice the single most important factor in Japanese competitiveness is not government subsidies (津贴) or a policy of "dumping" cars in the US market. Rather, it is labor cost. This difference of almost $2,000 per car favors the Japanese producers so strongly that all other comparisons virtually can be ignored. Why did Detroit put only limited resources into small-car production（）
Task 1The decline in the auto motive industry began with the oil crisis of 1973—1994, when gasoline prices rose over 300 percent. Almost immediately, consumers began switching to smaller, more fuel-efficient cars, which were the strengths of the major auto importers. This shift in demand from large to smaller cars did not reverse itself later in the 1970s, and the foreign importers continued to gain market share. Detroit’s efforts to produce competitive small cars were limited by its continuing expectation that large-car demand would soon resume. So only slowly did the domestic industry put its resources into small-car production, resulting in inadequate supply as well as inadequate concern for quality and performance. During this period, consumers discovered that similarly priced imports generally offered better performance and fewer problems than US-produced cars.According to a recently-made study named Some Estimates for Major Automotive Producers, even GM, the most cost-efficient US producer averages close to $900 more per car than the least cost-efficient Japanese producer, Toyota.Notice the single most important factor in Japanese competitiveness is not government subsidies (津贴) or a policy of "dumping" cars in the US market. Rather, it is labor cost. This difference of almost $2,000 per car favors the Japanese producers so strongly that all other comparisons virtually can be ignored. When did customers begin to prefer smaller cars（）
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