【单选题】【消耗次数：1】
银监会2009年颁布的《固定资产贷款管理暂行办法》规定固定资产贷款发放和支付过程中，贷款人应确认与拟发放贷款同比例的项目（ ）并与贷款配套使用。
①
现金流量
②
还贷保障资金
③
资本金足额到位
④
抵、质物
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