题目内容
（请给出正确答案）
[多选题]
关于商业银行贷款法律制度，下列选项中，正确的有（）。
A.商业银行贷款应当实行审贷分离、分级审批的制度
B.商业银行可以根据贷款数额以及贷款期限，自行确定贷款利率
C.商业银行贷款，应当遵守资本充足率不得低于10%的规定
D.商业银行贷款，应当对借款人的借款用途、偿还能力、还款方式等情况进行严格审查
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A.Reduced travel time for instructors responsible for different geographic sites
B.Real-time discussions of patient information among remote medical teams
C.Improved morale and reduced turnover among employees who receive timely business updates
D.Increased sales and customer satisfaction due to current product information disseminated simultaneously to a global sales force by headquarters
