3、方面严刑峻法也有消极作用,A项正确。B项错在“以抑兼并尔”,C项错在loanapprovalandpostcreditapprovalofficer/atalllevelsinaccordancewithcreditapprovalrules,licensingandeventualexerciseofcreditdecisionpowerofpersonsorinstitutions.Reviewfindingsandreviewcomments,accordingtotheBank'scredit“迅速发展”,D项错在“没有实现”。故答案为A项。答案 A