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1、2019 年经济师考试试题及答案：农业经济（章节习题4）1.农村金融是指以()手段筹集、分配和管理农村货币资金的活动。A.货币B.信用C.借贷D.资金2.农村金融作用的实体是()。A.信用B.资金C.货币D.技术3.“向购买化肥、市场化生产的农作物的农民提供贷款”属于()范畴。A.农村金融B.农业金融C.小额信贷D.普通金融4.关于农村金融的含义，下列说法错误的是()。A.货币在不同主体之间的让渡是以偿还并增值为条件的B.融通的资金能够是以实物形态存有的资金C.围绕着资金这个实体实行D.是在农村这个特定的环境、条件下实行的5.农村金融具有的特点不包括()。A.风险较小B.涉及面广C.政策性强D
2、.管理较难6.下列关于农村金融区别于普通金融的特点，描述错误的是()。A.农村金融市场是一个高度分散、分割的市场B.农村金融的基础设施很差C.农村金融活动具有较弱的季节性D.农村金融具有较强的关联风险7.农业生产具有不稳定性和资金需求的不平衡性，体现了农村金融的()特点。A.涉及面广B.风险较高C.政策性强D.管理较难8.一个能够使包括所有中低收入群体在内的金融文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X
3、6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1
4、W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X
5、8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z
6、4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:C
7、Z1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV
8、7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC1
9、0Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3需求者都享受到金融服务的金融体系是()。A.小额信贷体系B.普惠金融体系C.微型金融体系D.宏观金融体系9.下列属于普惠金融体系微观层次的是()。A.金融服务提供者B.法律框架与规章制度C.服务支持体系与基础设施D.机构评级体系10.小额信贷本质上是一种()方式。A.信用B.借贷C.信贷D.资金融通二、多项选择题1.关于农村金融的特点，下列说法中准确的有()。A.涉及面广B.风险较高C.政策性强D.管理较难文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码
10、:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1
11、HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 Z
12、C10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档
13、编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F
14、1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7
15、 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3
16、文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3E.市场较为集中2.农村金融体系建设需要的立足点包括()。A.有利于克服信息不对称B.有利于克服缺乏抵押品所带来的农户和微小企业融资困境C.扩大受益农户规模D.增加金融资源对农户的“可得性”E.以市场化模式来增进金融效率3.小规模银行金融机构良性持续生存的环境基础是()。A.健康的信用文化B.市场化运作C.金融生态环境D.良好的政策环境E.良性的竞争机
17、制4.下列关于小额信贷的说法中，准确的有()。一A.贷款笔数少B.需抵押C.贷款笔数多D.无抵押E.期限相对较长5.下列属于正规金融机构的有()。A.银行类金融机构文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P
18、1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5
19、J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8
20、D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H
21、5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4
22、F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6
23、L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3B.农村社区发展基金C.民间私人借贷组织D.非银行类金融机构E.中国农业银行6.中国农业发展银行的注
24、册资本的来源有()。A.中国农业银行划转的信贷基金B.中国工商银行划转的信贷基金C.财政部划转的信贷基金D.财政支农资金E.境外筹资7.下列属于农村信用社的特征的有()。A.组织上的群众性B.资金来源的广泛性C.管理上的民主性D.资金偿还的即时性E.业务上的灵活性 8.村镇银行以()为经营原则。A.安全性B.流动性C.互助性D.效益性E.约束性文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码
25、:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1
26、HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 Z
27、C10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档
28、编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F
29、1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7
30、 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3
31、文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D39.下列关于农村信用社农户小额信用贷款的说法中，准确的有()。A.基于农户的信誉B.以农户为贷款对象C.在核定的额度和期限内需要抵押、担保D.不需要抵押、担保E.在核定的额度和期限内不需要抵押、担保10.申请农村信用社农户小额信用贷款的农户需要具备的条件包括()。A.居住在信用社的营业区域以外B.具有完全民事行为水平，资信良好C.具备清偿贷款本息的水平D.具有房产E.从事土地耕作或者其他符合国家产业政策的生产经营活动，并有合法、可靠的经济来源参考答案及解析一、单项选择题1.B【解析】本题考查农村金融的含义。农村金
32、融即农村货币资金的融通，是指以信用手段筹集、分配和管理农村货币资金的活动。2.B【解析】本题考查农村金融的含义。农村金融作用的实体是资金。文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5
33、J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8
34、D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H
35、5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4
36、F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6
37、L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W
38、2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D33.B【解析】本题考查农业金融的含义。农业金融，主要是指为与农业活动相关的各种活动提供融资服务的农村金融服务活动，如向购买化肥
39、、市场化生产的农作物的农民提供贷款，或为满足农户和农业工人特定需要提供的保险。4.B【解析】本题考查农村金融的含义。融通的资金是货币形态存有的资金，而不是以实物形态存有的资金。5.A【解析】本题考查农村金融的特点。农村金融的特点具体包括涉及面广、风险较高、政策性强和管理较难。6.C【解析】本题考查农村金融的特点。选项C描述错误，农村金融活动具有较强的季节性，严重受农户收入变化的冲击影响。7.D【解析】本题考查农村金融的特点。管理较难：农村地域辽阔，地理、气候差别很大，各地区、各生产经营单位之间物质生产条件不一，劳动生产率高低有较大差异，这个点在发展中国家和地区表现得尤为明显，综合反映在农业生产
40、上，具有不稳定性和资金需求的不平衡性，给农村金融管理带来困难。8.B【解析】本题考查农村金融体系建设的出发点及其构成。从构建有利于包括所有中低收入群体在内的所有金融需求者都能够享受到金融服务的角度来说，需要构建一个普惠金融体系，这个体系包括微观、中观、宏观三个层次。由此可见，准确答案是B。文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC1
41、0Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码
42、:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1
43、HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 Z
44、C10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档
45、编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F
46、1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7
47、 ZC10Z4X6L8D39.A【解析】本题考查农村金融的普惠金融体系。普惠金融体系包括微观、中观、宏观三个层次，选项8 是宏观层次，选项CD是中观层次。10.C【解析】本题考查小额信贷的含义。小额信贷本质上是一种信贷方式。二、多项选择题1.ABCD【解析】本题考查农村金融的特点。农村金融的特点：涉及面广、风险较高、政策性强、管理较难。E选项错误，农村金融市场是一个高度分散、分割的市场。2.ABDE【解析】本题考查农村金融体系的构成。农村金融体系建设需要立足于四点：(1)有利于克服信息不对称;(2)有利于克服缺乏抵押品所带来的农户和微小企业融资困境;(3)增加金融资源对农户的“可得性”;(4)
48、以市场化模式来增进金融效率。3.AC【解析】本题考查农村金融体系的构成。健康的信用文化、金融生态环境是小规模银行金融机构良性持续生存的环境基础。4.CD【解析】本题考查小额信贷。小额信贷无抵押，贷款笔数多，期限相对较短。5.ADE文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X
49、8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z
50、4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:CZ1W2H5P1F1 HV7X8V4F5J7 ZC10Z4X6L8D3文档编码:C