Examination questions and answers of Hebei Credit Cooperatives

Hebei Rural Credit Cooperatives Recruitment Exam Simulation Test

1. The longest valid period for temporary deposit accounts is three years. (×) two years

2. The interest settlement date of demand deposits is June 3th every year. (√)

If interest is calculated on deposits, loans, etc. on an annual basis, December 2th of each year is the interest settlement date; If interest is calculated quarterly, the 2th day of each quarter is the interest settlement date; For current savings deposits, June 3th is the interest settlement date; If the interest is paid off with the principal, the maturity date of the deposit and loan is the interest settlement date. .

3. Intermediate business: refers to the business that does not constitute on-balance-sheet assets, on-balance-sheet liabilities and generates non-interest income.

4. The sources of funds of rural credit cooperatives mainly include capital, deposits and financing in financial markets.

5. Principles of credit management of rural credit cooperatives: safety, liquidity and profitability.

6. The basic principles of comprehensive management of assets and liabilities are: (ABCD)

A, scale symmetry B, structure symmetry C, repayment symmetry D, and target symmetry

7. Assets with risk weight of 1% include: (BCD )

A, deposit of funds from the Associated Press B, deposit of other interbank funds C, and transfer of funds D.

A、5%、8%、2% B、8%、5%、2% C、8%、2%、5% D、5%、2%、8%。

9. According to the loan method, it can be divided into (ABCDE)

A, credit loan B, guaranteed loan C, mortgage loan D, pledged loan E and discounted bill loan

1. Contents of loan management responsibility system:

(1) The director responsibility system is implemented

(2) Lender institutions at all levels should establish loan review committees attended by directors and heads of relevant departments. Responsible for loan review

(3) Establish a separate system of large-sum loan review

(4) Establish a loan grading approval system

(5) Establish and improve the credit post responsibility system

(6) Establish an off-duty audit system

11. The lower the liquidity ratio, the stronger the short-term solvency of the enterprise, and the more guaranteed the rights and interests of creditors. (x)

12. The credit analysis of borrowers includes (ABCDE )

A, loan character B, borrower's ability C, borrower's capital D, borrower's guarantee E, and borrower's business environment

13. Farmers' small loans are managed by one-time approval, loan with use, balance control and revolving use.

14. The requirements for farmers' micro-credit loan customers are:

(1) living in the business area of credit cooperatives

(2) having full capacity for civil conduct and good credit standing

(3) engaging in land farming or other production and business activities in line with national industrial policies, and having legal and predictable economic sources

(4) having the ability to repay the loan principal and interest.

16. Debt-paid assets refer to the legal and effective assets of the borrower, guarantor or the third party obtained by the credit cooperatives through legal channels to offset the loan principal and interest on the premise that the borrower really cannot repay the loan principal and interest in cash.

17. Debt-paid assets are managed according to the principles of legal acquisition, proper custody, timely realization, correct accounting and ensuring the interests of rural credit cooperatives.

18. Differences between pledge and mortgage:

(1) Whether the ownership of collateral has been transferred is different

(2) The types of collateral are different

(3) The effective time of the contract is different

(4) Whether the security right can be set repeatedly is different

19. The following can be used as guarantors (BC) < p. The "Guarantee Law" stipulates: "If the parties agree in the guarantee contract that the guarantor shall bear the guarantee liability when the debtor fails to perform the debt, it is a joint liability guarantee." (×) is a general guarantee.

21. There are three ways to dispose of collateral: auction, transfer and cash.

22. The following properties can't be used as collateral: (ACDE )

A, land ownership B, real estate ownership C, social welfare facilities D, schools E, and educational facilities of social organizations

23. Loan risk: refers to the possibility that loans of financial enterprises can't effectively increase in value and flow back safely due to the influence of various uncertain factors, thus suffering losses.

24. The five risk classifications of loans are divided into five categories according to the risk level: normal, secondary, concerned, suspicious and loss. (x)-concern, secondary-.

25. Criteria for determining the authenticity of sluggish loans:

(1) Sluggish loans refer to loans overdue (including those due after extension) for more than 9 days (excluding bad loans) that have not been recovered

(2) Loans that are not overdue or less than 9 days, but whose production and operation have been terminated or whose projects have been stopped, should be regarded as sluggish loans.

26. In the name of restructuring, the types of debt evasion of credit cooperatives are (ABCDEF)

A, discrete B, contracting, leasing C, asset reorganization D, bankruptcy E, auction F, and government debt

27. Commercial bill: it is issued by the drawer, and the payer is entrusted to unconditionally pay a certain amount to the payee or holder on the payment date.

28. The money market includes interbank lending market, bill discount market, repurchase market and short-term credit market.

29. The money market refers to the financial market for securities financing and medium-and long-term capital lending for more than one year. (x) capital market

3. The basic premise of accounting is accounting entity, going concern, accounting staging and monetary measurement.

31. Account book: any account page with a certain format that is connected with each other and used to record the dynamics and results of various economic businesses.

32. Debit bookkeeping method: It is a double-entry bookkeeping method based on the balance principle that total assets equals total liabilities plus owners' equity, accounting subjects as accounting subjects, "debit" and

"loan" as accounting symbols, and the bookkeeping rule that "if there is a loan, there must be a loan, and the loan must be equal" to record and reflect the change process and results of funds.

33. There are four columns of debit and credit amount and debit and credit balance in the following sub-accounts: (C )

A, A, B, B, C, C and D..

34. The "five noes" in accounting refers to: no errors in accounts, no overdraft in settlement, no accidents in interest calculation, no backlog in bookkeeping and no cross-checking in deposits. (×)

35. Important blank voucher: refers to a blank voucher that is filled in by a credit cooperative or unit and has the effect of withdrawing money after being signed.

36. The requirements for preparing accounting statements are: complete content, true figures, accurate calculation, clear handwriting and timely submission.

37. Profit rate of assets = total profit/balance of assets ×1%(×) average balance of assets

38. Regular storage of accounting files is divided into (BCE )

A, two years B, three years C, five years D, ten years E, fifteen years

39. If the credit balance of the owner's equity of a credit union is 1 million, the owner's debit balance is 5 million. There are 2 million dull loans and 1 million bad loans, so the net capital of the credit cooperative is (D )

A, 1.4 million b, 1.6 million c, 3.4 million d and 3.6 million

4. The order of voucher arrangement is: cash voucher comes first, transfer voucher comes last, cash payment voucher comes first, and credit voucher is transferred first. (×) Cash income first and then payment

41. Accounting entries: according to the principle of loan balance, a special accounting method that records and reflects the ins and outs of economic business through loan subjects.

42. Closing steps at the end of business: (1) Prepare daily account statement; (2) Register in general ledger; (3) Fill in the balance calculation table; (4) Check the total account; (5) Prepare daily report;

43. Cash cashier's work regulations: the money account is in charge, and the account is charged first, then the payment is made, and then the account is charged. (×)

44. Requirements for the punctuality of banknotes: the number of banknotes must be accurate, the residual coins must be picked out, the piles should be neatly tied, the bundles should be tied tightly, and the seals should be clear.

45. Quality requirements for warehouse management: no fire, mildew, moth, rat bite, theft and error. (√)

46. Money laundering: It refers to the behavior of criminals to cover up the illegal source and nature of illegally obtained illicit money by transferring, exchanging, purchasing financial instruments or directly investing through banks or other financial institutions, so as to legalize their illegal assets.

47. Money laundering includes:

(1) providing a fund account

(2) helping to convert property into cash or financial bills

(3) helping to transfer funds through transfer or other settlement methods

(4) helping to remit funds abroad

(5) covering up or concealing the nature and income of crimes in other ways. At present, the types of settlement that credit cooperatives can handle are (ACDE )

A, bank draft B, promissory note C, cheque D, remittance E, entrusted collection F, and collection and acceptance

49. The principles of settlement are: (1) abiding by credit and performing payment; (2) whoever puts money into his account and who controls it; (3) the bank does not advance money

5.

51. Bill behaviors include (ABCDE )

A, issuing B, endorsement C, acceptance D, guarantee E, payment

52. The main functions of computer network are resource sharing and information exchange

53. Basic working environment requirements of electronic equipment (ABCDE )

A, and high temperature prevention B.

55. Official document: it is a common document with administrative binding force and normative style in the operation and management of this system, and it is an important tool for operating and conducting official activities according to law.

56. General procedures for handling incoming documents: receipt, registration, preparation, undertaking, approval, reminder and circulation. (x)

57. The main contents of the "Twelve Major Projects" of rural credit cooperatives are "four threes": implementing three major management innovation projects, launching three major business innovation projects, starting three major capital construction projects and promoting three major cultural construction projects.

58. Implement three management innovation projects: risk management and control system, cadre and personnel system full of competition and encouragement, and structural salary system strictly linked with performance.

59. launch three major business innovation projects: credit brand project, intermediate business expansion project and effective capital operation project.

6. Start three major capital construction projects: informatization project, network standardization re-election project and construction of comprehensive service center.

61. Promote three major cultural construction projects: systematic party building project, corporate culture construction project and team quality improvement project.

62. Three goals of the reform and development of rural credit cooperatives: more effective risk prevention, further improvement of economic benefits and faster and better development of various businesses.

63. Corporate culture: a value concept that enterprises believe in and put into practice.

64. CI strategies include: MI mind identity system, BI behavior identity, and VI visual recognition system.

65, the role of corporate culture:

(1) it is of "practical value" to the enterprise

(2) it has a guiding role to the soul of the enterprise

(3) it has an incentive role to revitalize the enterprise

(4) it has a cohesive role in building team spirit

(5) it has a driving role in promoting the innovation vitality of the enterprise

. Corporate culture construction mainly includes (BCD )

A, corporate ideology culture B, corporate spirit culture C, corporate behavior culture D, corporate image culture

67, shaping corporate culture (ABCDE )

A, institutionalizing B, practicing C, educating D, rewarding and punishing E, systematizing

68, what is corporate spirit?

Enterprise spirit refers to the ideals, values and basic concepts gradually formed in the long-term practice of production and business activities, and recognized by all employees. The entrepreneurial spirit of rural credit cooperatives is: diligence, loyalty, preciseness and pioneering.

69. What is the general requirement of the code of conduct for employees of rural credit cooperatives?

It is honesty, organization, enthusiasm and persistence. Treat others sincerely and win the trust of others; Work methodically and organize your own actions effectively; Enthusiastic words and deeds, with strong persuasion and appeal; Have firm beliefs and clear goals, and never give up.

7. What are the basic standards for the management positions of rural credit cooperatives?

I love the credit union and have a strong sense of professionalism.

strictly abide by the internal rules and regulations of rural credit cooperatives.

study new situations and new trends, and earnestly practice with a scientific attitude

stick to principles and distinguish right from wrong.

care about employees and keep regular communication with subordinates.

71. The management of important blank vouchers adheres to the principle that the certificate and seal are in charge and the certificate and charge are in charge.

72. Basic procedures to be followed when granting loans: establishing credit relationship, customer application, acceptance by operating agency, loan business investigation, review, review and approval by loan review committee (or consulting according to authority), signing credit contract with customers, granting loans, management after loan issuance, and loan recovery.

73. The basic skills that should be mastered in business negotiation are (ACDE)

A, presentation B, listening C, answering D, persuading E, asking questions

74. Staff service ethics

(1) implementing policies, observing laws and regulations, adhering to the system, being honest and dedicated

(2) loving their posts and being dedicated.

75. The establishment or business activities of banking financial institutions shall be approved by the People's Bank of China. (×) China Banking Regulatory Authority

76. The goal of China's monetary policy is to prevent currency depreciation and inflation. (x) Maintain the stability of the currency value and promote economic growth.

77. Commercial banks should follow the principles of equality, voluntariness, fairness and good faith in their business dealings with customers.

78. In case of interest rate adjustment of time savings deposits during the deposit period, the depositor's interest shall be calculated and paid in installments. (×)

Volume B

First, comprehensive multiple-choice questions (all majors must answer, ***2 questions. 1 point for each question)

1. Credit cooperatives should adopt (C)

A.