20 19 questions and answers on the qualification examination of primary banks: personal loans (simulation 19)

1 [multiple-choice questions] The object of commercial housing loan is a natural person with China nationality, over () years old and full capacity for civil conduct.

A.20

B 18

C. 16

D. 14

Reference answer: b

Reference analysis: the object of commercial housing loan is a natural person with China nationality, 18 years old or above and full capacity for civil conduct.

2 [multiple-choice questions] At present, personal credit reports are mainly used for ().

A. Various consumer credit businesses of banks

B. Commercial credit sales

C. Credit transactions

D. recruitment

Reference answer: a

Reference analysis: At present, personal credit report is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.

3 [multiple choice questions] Among the following items, the difference between the loan object and the other three items is ().

A. Commercial housing loans

B. Guaranteed working capital loans

C. Equipment loan

D. unsecured working capital loans

Reference answer: a

Reference analysis: Option A, the loan object is a natural person with China nationality, over 18 years old and full capacity for civil conduct; Options B, C and D are self-employed, partnership enterprises, sole proprietorship enterprises or natural persons with unincorporated business licenses issued by the administrative department for industry and commerce.

4 [multiple-choice questions] The difference between the following personal housing loans that do not belong to the provident fund and the housing loans of commercial banks' own accounts is ().

A. different approving entities

B. Different loan targets

C. Different loan terms

D. Different sources of funding

Reference answer: C.

Reference analysis: The differences between provident fund personal housing loans and self-operated housing loans of commercial banks include different risk-taking subjects, different sources of funds, different loan objects, different approval subjects and different loan interest rates.

6 [Multiple-choice question] If you apply for a loan in the name of "commercial and residential dual-use house", the loan amount shall not exceed ().

50%

55%

About 60%

D.65%

Reference answer: b

Reference analysis: if you apply for a loan in the name of "commercial and residential dual-use house", the loan amount shall not exceed 55%.

7 [Multiple-choice questions] After the loan issuance conditions are implemented, () should fill in or print relevant documents, submit them to the credit supervisor for review and signature, and then send them to () as the basis for opening a loan account.

A. loan granting post personnel; Audit department

B. loan auditor; Audit department

C. loan auditor; accounting department

D. loan granting post personnel; accounting department

Reference answer: D.

Reference analysis: Before the loan is issued, the lender shall implement the relevant loan conditions. After the loan conditions are implemented, the loan issuing post personnel should fill in or print relevant documents, submit them to the credit supervisor for review and signature, and then send them to the accounting department as the basis for opening a loan account. Go to the VIP question bank to check the answer. Memory difficulty: easy (0) general (0) difficult (0) note-taking: taking notes, listening to the course, checking the notes of netizens (0)

8 [multiple-choice questions] In the personal car loan business, when investigating the identity, credit standing, economic situation and loan purpose of the borrower, the following practice is wrong ().

A. Investigate whether the borrower's qualification meets the requirements of the lending bank.

B. Log in to the personal credit information system of the People's Bank of China to check whether the applicant's credit record is good, and print the query results.

C. You can know the applicant's real income by directly checking the deposit in his bank account.

D. investigate the stability of the borrower's occupation and income.

Reference answer: C.

Reference analysis: this topic examines the contents of the pre-loan investigation of personal automobile loans. Without legal permission, no one is allowed to inquire about other people's bank deposit accounts at will.

9 [multiple-choice questions] In terms of the degree of potential losses, () is the primary bank risk.

A. operational risks

B. credit risk

C. Legal risks

D. risks of cooperative institutions

Reference answer: b

Reference analysis: In terms of potential loss, credit risk is the primary bank risk.

10 [multiple-choice questions] () By analyzing the historical data of customers using credit cards, establish a model to score customers and calculate the shadow limit of customers.

A. credit card behavior scorecard

B. Personal loan behavior score

C. restrictions on account use

D. Credit card limit adjustment

Reference answer: a

Reference analysis: the credit card behavior scorecard analyzes the historical data of customers using credit cards, establishes a model to score customers, and calculates the shadow limit of customers.

1 1 [multiple choice questions] 20 11June1day, providing joint liability guarantee for a personal housing renovation loan applied by a small bank, with a loan amount of 65,438+10,000 yuan. If Xiao Wang can't repay the loan on time, the bank can (.

A. You can only find Xiao Wang to repay first, and then find small money to repay.

B: Xiao Wang can only be returned first, and then Xiao Wang can be returned.

C You can ask Xiao Wang or Xiao Qian to repay, but you can only ask Xiao Qian to repay part of the amount.

You can ask Xiao Wang or Xiao Qian to repay the full amount.

Reference answer: D.

Reference analysis: This topic examines the relevant contents of personal housing decoration loans. When applying for a personal housing renovation loan, Xiaoqian and Xiao Wang are jointly and severally liable, so they are both liable for the debts, and the repayment order is in no particular order, and the repayment amount is not limited. Therefore, when the loan expires, the bank can ask Xiao Wang to repay it in full, or it can ask Xiao Qian to repay it in full.

12 [multiple choice questions] The following statement about small secured loans for laid-off workers is correct ().

The borrower is a citizen of People's Republic of China (PRC).

B. low-profit projects do not enjoy financial discount.

C the starting point of the loan amount is generally 3000 yuan.

D. The total amount of the partnership project shall not exceed 654.38 million yuan.

Reference answer: D.

Reference analysis: The borrowers of small secured loans for laid-off workers are People's Republic of China (PRC) citizens, excluding Chinese mainland, Macau and Taiwan Province. Low-profit projects enjoy full financial discount. The starting point of the loan amount is generally 2000 yuan.

13 [multiple choice questions] A three-year loan contract stipulates that the loan principal will be repaid in two installments in the first year and the second year, and the interest will be calculated according to the actual occupied time, so the repayment method belongs to ().

A. Equal principal and interest repayment method

B. Average capital repayment method

C. One-time repayment of principal and interest

D. Combination repayment method

Reference answer: D.

Reference Analysis: Option D, using the combined repayment method, the repayment person can set the whole repayment cycle as multiple cycles, and the repayment amount of each repayment cycle can be determined according to his own situation.

14 [multiple choice questions] When the car purchased by individual car loan is for personal use, the loan amount shall not exceed the price of the car purchased ().

A: 80%

B.70%

About 60%

D.50%

Reference answer: a

Reference analysis: when the car purchased with personal car loan is for personal use, the loan amount shall not exceed 80% of the price of the car purchased.

15 [multiple choice questions] The following do not belong to the principle of market segmentation ().

A. Principle of centralization

B. the principle of testability

C. accessibility principle

D. Economic principles

Reference answer: a

Reference analysis: The principles of market segmentation include testability principle, accessibility principle, difference principle and economy principle.

16 [multiple choice questions] Personal loan survey should be based on ().

A. Telephone enquiry

B. Indirect questioning

C. Information inquiry

D. Field investigation

Reference answer: D.

Reference analysis: After the borrower applies for a loan, the bank should strictly examine the application contents and supporting materials, perform due diligence duties, verify one by one, and correctly judge the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio, risk degree, etc. Banks should strictly implement the system of loan interview, face-to-face signing and home visit; Where pledged loans are issued through electronic banking channels, the lender shall take effective measures to determine the true identity of the borrower. The loan investigation can be mainly based on on-the-spot investigation, supplemented by indirect investigation, and take various ways such as on-the-spot verification, telephone inquiry and information consultation.

17 [multiple-choice questions] For families who buy a second home by loan, the loan interest rate is not less than () times the benchmark interest rate.

A. 1

B. 1. 1

C. 1.3

D. 1.5

Reference answer: b

Reference analysis: For families who buy a second house by loan, the loan interest rate is not lower than 1. 1 times of the benchmark interest rate.

18 [multiple choice questions] At present, the information source of the personal credit information system is mainly ().

A. Accounting firm

B. Commercial banks

C. Justice sector

D. individuals

Reference answer: b

Reference analysis: At present, the information source of personal credit information system is mainly commercial banks.

19 [multiple choice questions] A commercial bank shall give a reply within () working days from the date of receiving the notice of review from the credit service center.

A.3

B.5

C. 10

D. 15

Reference answer: b

Reference Analysis: When the credit information service center considers the information submitted by the relevant commercial bank suspicious, it shall promptly send a review notice to the commercial bank in accordance with the relevant prescribed procedures, and the commercial bank shall reply within 5 working days from the date of receiving the review notice.

20 [multiple choice questions] The following is not the main content of credit risk of commercial housing loans ().

A. the borrower's repayment ability changes.

B. Changes in commercial housing leasing situation

C. the repayment ability of the guarantor changes.

D. the lender's capital status changes.

Reference answer: D.

Reference analysis: the change of the lender's capital status does not belong to the credit risk of commercial housing loans, but belongs to the liquidity risk.