Examination questions of credit cooperatives over the years

1. the law of commercial banks stipulates that the capital adequacy ratio of commercial banks (a). A. not less than 8% B. not more than 8% C. not less than 1% D. not more than 1%

2. The following statement about commercial bank loans is incorrect (C). A. commercial banks have the right to refuse any unit or individual to force them to issue loans or provide guarantees. B. commercial banks should strictly examine the borrower's loan purposes. C. if the borrower fails to return the secured loan at maturity, commercial banks can only ask the guarantor to return the deposit or the collateral for priority compensation, and cannot ask the guarantor to return the interest. D. commercial banks cannot use the borrowed funds to issue fixed assets loans or invest

3. The regulatory agency of auto financing companies is (b). A. People's Bank of China B. China Banking Regulatory Commission C. China Securities Regulatory Commission D. China Banking Association < P > 4. The member units of China Banking Association include (C). A. People's Bank of China B. China Banking Regulatory Commission C. Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications D. Central Huijin Company

5. On March 2, 27, (d) was listed. A. Bohai Bank B. Zhangjiagang Rural Commercial Bank C. Shanghai Bank D. China Postal Savings Bank

6. According to the provisions of the Administrative Measures for Financial Leasing Companies, financial leasing companies mainly engage in business (D). A. operating lease B. subletting C. leasing D. financing lease

7. economic growth refers to the growth of a country (or region) (c) in a specific period. A. economic output B. residents' income C. economic output and residents' income D. economic income

8. price stability is to maintain the general stability of (d) and avoid high inflation. A. producer price level B. consumer price level C. gross domestic product

9. the consumer price index that is most used to measure inflation refers to the range of change of a group of (b) commodity prices. A. wholesale of ex-factory products B. related to residents' life C. related to production and consumption D. export and import

1. the promotion of financial market development to commercial banks does not include (b). A. It can directly promote the business development and management of commercial banks in many aspects. B. Banks issue stocks when they go public, and the prices of their stocks and bonds will affect the management of commercial banks, especially the short-term behavior of bank managers. C. It provides a reference standard for customer evaluation and risk of commercial banks. D. Money market and capital market can provide a large number of risk management tools for commercial banks. Transfer risks through normal transactions in the market

11. The central bank sells a large number of securities to commercial banks in the market, thus reducing the excessive deposit reserve of commercial banks, causing the money supply to decrease and the market interest rate to rise. The monetary policy tool used by the central bank is (a). A. open market business B. open market business and deposit reserve ratio C. open market business and interest rate policy D. open market business, deposit reserve ratio and interest rate policy

12. banks should adopt the evaluation method of (d) when rating customers' credit. A. qualitative analysis B. quantitative analysis C. qualitative analysis, combining qualitative analysis with quantitative analysis D. quantitative analysis, combining quantitative analysis with qualitative analysis

13. China's current personal housing loan interest rate (b). A. lower limit liberalization and upper limit management B. upper limit liberalization and lower limit management C. both upper and lower limits liberalization D. upper and lower limit management

14. (c) also known as syndicated loans. A. Project loan B. Working capital revolving loan C. Syndicated loan D. Trade financing loan < P > 15. (b) refers to the act that banks have the right of recourse to finance bills under letters of credit or export collection by virtue of the right to pledge freight documents. A. Import bill B. Export bill C. Factoring D. Forfaiting D. Overall price level < P > 16. From the essence of business operation, Forfaiting is (C). A. guarantee agent B. bank guarantee C. forward bill discount D. pledged loan

17. short-term financing bills are issued to (b). A. institutional investors in the interbank market B. institutional investors in the interbank bond market C. individual investors in the interbank market D. large and medium-sized state-owned enterprises

18. financial institutions must obtain the administrative license of (b) to issue financial bonds in the interbank market. A. the State Council B. People's Bank of China C. China Banking Regulatory Commission D. China Banking Association < P > 19. The maximum loss of the call option buyer is (B). A.zero B. Option fee C. Infinite D. None of the above is correct < P > 2. The seller of the option should pay an option fee (C) because he has the option to accept it for the buyer in the future. A. rights, get B. rights, pay C. obligations, get D. obligations, pay

21. rediscount refers to the business behavior of financial institutions to transfer their unexpired commercial bills to (a) to obtain funds. A. financial peers B. central bank C. drawer D. acceptor

22. in the payment and settlement methods provided by banks for international trade and with trade financing function, (c) is usually used. A. Promissory note, remittance, letter of credit B. Promissory note, letter of credit, collection C. Remittance, letter of credit, collection D. Draft, letter of credit, check < P > 23. Among the three ways of remittance, (a) is mostly used for urgent need of money and large remittance. A. T/T B. T/T C. T/T D. T/T and T/T < P > 24. (a) It is widely used for non-trade settlement, or the collection of trade incidental expenses, etc. A. clean bill collection B. documentary collection C. export collection D. import collection

25. the agency business of commercial banks does not include (c). A. Paying wages on behalf of B. Acting for financial deposits C. Acting for financial investment < P > 26. Regarding the fund custody business of commercial banks, the following statement is correct (B). A. All commercial banks can start fund custody business. B. Fund management companies pay fund custody fees to commercial banks. C. Fund companies handle capital settlement, asset valuation, accounting and other businesses. D. Commercial banks can't trust the national social security fund < P > 27. The bank's operating goal is to maximize shareholder value. One of the main financial indicators reflecting whether the bank achieves this goal is the bank's capital profit rate, and the formula is (D). A. net profit/total assets B. total assets/shareholders' equity C. net profit/total income D. net profit/shareholders' equity

28. The expression order of the principle of "three natures" in the Commercial Bank Law is (D). A. liquidity, safety and efficiency B. safety, efficiency and liquidity C. efficiency, liquidity and safety D. safety, liquidity and efficiency

29. market discipline is one of the three pillars of capital supervision, and its operating mechanism is mainly driven by the interests of *( B). A. regulators B. stakeholders C. senior management D. risk management department

3. in the innovation of commercial banks, the most frequent, common and important content is (d). A. innovation in institutional arrangement B. innovation in institutional setup C. innovation in management mode

31. according to the provisions of the bill law, (a) of a bill of exchange must have a real entrusted payment relationship with the payer and have a source of funds to pay the amount of the bill. A. drawer B. endorser C. guarantor D. acceptor

32. according to the provisions of the bill law, the following statement about the endorsement of a bill of exchange is incorrect (d). A. Endorsement refers to the act of recording relevant matters on the back of a bill or an adhesive note and signing it. B. For a bill transferred by endorsement, the endorsement shall be continuous. C. If the endorser records the word "non-transferable" on the bill and then transfers it by endorsement, the original endorser shall not be liable to the endorsee of the subsequent party. D. For a bill transferred by endorsement, the subsequent party shall be responsible for the authenticity of all its previous endorsements. 33. A. Issuing refers to the bill behavior that the drawer signs the bill and delivers it to the payee. B. Endorsement refers to the bill behavior that the relevant matters are recorded and signed on the back of the bill or the sticky note. C. Acceptance refers to the bill behavior that the drawer of the bill promises to pay the amount of the bill on the maturity date of the bill. D. If the holder presents payment according to the regulations, the payer must pay in full on the same day. < P > 34. The following bill that does not belong to the Bill Law is (C). Copyright of Fortune Network A. Draft B. Promissory Note C. Invoice D. Check

35. The Guarantee Law was passed and implemented in (b). A.1993b.1995c.1997

36. According to the provisions of the Guarantee Law, the following statement about mortgage is correct (D). A. The creditor's rights secured by the mortgagor shall not exceed 5% of the value of the mortgaged property. B. The land ownership can be mortgaged. C. The creditor's rights are extinguished and the mortgage right continues to exist. D. The mortgage right is extinguished due to the loss of the mortgaged property, and the compensation obtained from the loss shall be regarded as the mortgaged property. < P > 37. If the legally transferable shares are pledged, the pledger and the pledgee shall conclude a written contract and register the pledge with the securities registration agency. The pledge contract shall take effect as of (b). A. Date of signing the contract B. Date of registration C. Day after registration D. Date agreed in the contract < P > 38. Commercial banks are in the loan business, (b). A. Guaranteed loans with conditions superior to those of similar loans from other borrowers can be issued to relatives of directors of the company. B. Loans can be provided at benchmark interest rates of similar loans slightly higher than those set by the central bank. C. Customers' funds can be absorbed without being recorded and directly used for loans. D. Loans can be issued to enterprises that do not meet the loan conditions among other business customers of the bank < P > 39. According to the relevant provisions of the Criminal Law, the following acts are classified as fraudulent bank loans (a). A. An enterprise mortgaged a factory building with a value of 1 million yuan to a bank to obtain a loan of 1 million yuan. Since then, the enterprise has mortgaged the factory building to other banks twice to obtain loans of the same amount. B. An enterprise negotiated with the bank to shorten the repayment period, repay in advance, and obtain a relatively low interest rate from the bank. C. An enterprise negotiated with the bank to extend the repayment period due to cash flow difficulties. D. An enterprise borrowed money from employees at a high interest rate for company operation

4． (b) A. Commercial banks float upward on the basis of the benchmark loan interest rate stipulated by the People's Bank of China. B. Use invalid letters of credit. C. Village banks are approved to absorb public deposits. D. Bank staff use irregular fonts when filling out certificates of deposit. D. Financial product innovation D. Consignment of open-end funds < P > 41. The following acts are not illegal (D). A. A company absorbs deposits from the public according to its own capital needs. B. Buying credit card information of others. C. Bank staff issues credit certificates for unqualified social welfare organizations. D. Banks use customer funds to invest in bonds according to customers' instructions. < P > 42. The object of the crime of counterfeiting currency is (D). A. Buyers of counterfeit money B. Financial institutions C. Currency D. National monetary management system < P > 43. The following statement about financial crimes is wrong (A). A. The subjective aspect of financial crimes is not necessarily intentional. B. Financial crimes do not necessarily aim at illegal possession. C. The subject of financial crimes can be a natural person or a unit. D. The subject of financial crimes violates financial management regulations < P > 44. The object of the crime of setting up financial institutions without authorization is (B). A. State bank management system B. State quasi-person management system C. State deposit management system D. State loan management system < P > 45. The crime of corruption refers to the act of embezzlement, theft, fraud or illegal possession of (C) by the staff of state organs by taking advantage of their positions. A. the property of others in this institution B. the property of others in other institutions C. the public property D. all of the above are right

46. Among the following banking crimes, the subjective aspect is not intentional (D). A. the crime of accepting bribes B. the crime of bill fraud C. the crime of altering currency D. the crime of being cheated for signing and performing a contract

47. Zhang is an employee of a bank. By chance, Zhang found that the bank issued loans to customers at a rate lower than the prescribed interest rate. In this case, as a banking employee, Zhang thinks (d). A. This situation belongs to the normal operation of the bank, so there is no need to make a fuss. B. This matter has little to do with yourself, so you can do your own thing. C. You join this low-interest lending activity and use this opportunity to provide loans to your friends. D. You should report it to the relevant departments of your institution or report it to the regulatory authorities. < P > 48. Shen, an employee of a listed bank, met Lin, an employee of another listed bank at a party. A. you can exchange the financial data published by your respective banks on the internet and the information to be published by mail. B. you can only pay