Due to the epidemic situation, the 222 banking qualification examination was scheduled to be held in November, and everyone had two more months to review. So, do you have better answering skills for various questions in the examination? I have brought you the skills of answering various questions in the 222 Banking Qualification Examination (with examples). Interested friends come and have a look!

1. General questions. The so-called routine questions are common questions, which can be predicted during review. Most of them are to examine definitions, concepts, meanings, characteristics, principles and functions. For example:

The following are indirect financing instruments ().

A, bank bonds

B, negotiable certificates of deposit

C, commercial paper

D, corporate bonds

E, life insurance policy

Answer: ABE

Question analysis: Direct financing tools include treasury bonds issued by governments and enterprises, corporate bonds, commercial bills, company stocks, etc. Indirect financing instruments include bank bonds, bank acceptance bills, negotiable certificates of deposit, life insurance policies, etc.

General questions can be answered by simple judgment, and the knowledge points examined are relatively simple and not difficult.

2.? Subordinate question. Subordinate questions tend to assess knowledge points containing branch information, and the difficulty will be a little higher than that of conventional questions. For example,

operational risk includes legal risk, strategic risk and reputation risk.

A, Correct

B, Wrong

Answer: B

Analysis: Operational risk refers to the risk of losses caused by imperfect or problematic internal procedures, employees, information technology systems and external events, including legal risks, but excluding reputation risks and strategic risks.

Generally speaking, there is no way to see the answer at a glance, and a simple analysis is needed. In this example, legal risk is subordinate to operational risk, but reputation risk and strategic risk are equal to operational risk,

3. About the topic. The topic of "About xxx" is mainly about examining various details, which is the most difficult. Example:

Among the following statements about the choice of interest calculation and settlement method for RMB zero deposit and lump-sum deposit, () is incorrect.

a. The specific interest-bearing method is determined by the depositor.

B, it can be divided into two types: product interest bearing and transaction interest bearing.

c. For the same deposit type, there may be differences in interest-bearing methods among banks.

d. The depositor can choose a bank according to the differences in interest-bearing methods when depositing.

Answer: A

Analysis: Option A is incorrect. What kind of interest is specifically used?

the topic "about xxxx" should be examined first, and then each option should be analyzed to judge the correct answer.

Examination contents of the professional qualification examination for banks:

1. Required subject: Banking laws and regulations and comprehensive ability

Examination purpose: Through this subject examination, test the ability of candidates to analyze and judge problems and handle basic business by using the basic knowledge of banking, banking-related laws and regulations, basic principles of banking practitioners and professional ethics.

mainly examine knowledge points: economic and financial foundation, banking business, banking management, legal foundation of banking practice, banking supervision and self-discipline

2. Elected subjects: Banking Professional Practice-Banking Management

Examination purpose: To assess whether the candidates have reached the qualification level of banking managers and have the ability to perform their duties that matches the positions. It includes examining their mastery of the relevant economic and financial systems and regulations, the management of banking financial institutions, the protection of financial consumers' rights and interests, etc., and highlighting the practical application and control ability of compliance management of banking financial institutions, risk control points of various basic businesses and corresponding regulatory requirements.

mainly investigate knowledge points: economic policy, supervision system, basic banking business, bank management and innovation, non-bank financial institutions and businesses, internal control, compliance management and auditing bank risk management, consumer rights protection and social responsibility in the banking industry

3. Selected subjects: Banking Professional Practice-Risk Management

Examination purpose: The risk management examination is based on the authoritative framework system of domestic and foreign regulatory standards. Closely combining the basic practice of domestic banking business and risk management, aiming at the basic cognition of all employees of banking institutions, especially grass-roots employees, we should unify the basic concepts and terms of risk management, master the basic knowledge of risk management, risk culture, risk limit, risk preference, three lines of defense and other basic contents, and pay attention to credit risk and operational risk related to grass-roots practical work.

mainly investigate knowledge points: risk management foundation, risk management system, capital management, credit risk management, market risk management, operational risk management, liquidity risk management, country risk management, reputation risk and strategic risk management, other risk management, stress testing, risk assessment and capital assessment, Banking Supervision and Market Constraints

4. Elected subject: Professional Practice of Banking-Personal Finance < P > Examination Purpose: Through this subject examination, test the examinee's mastery of basic knowledge and skills of personal finance, including the application of professional knowledge and skills such as financial investment market, financial products and financial business management; Test the candidates' mastery of relevant laws and regulations on personal financial services, customer classification and demand analysis, financial calculation tools, etc. Comprehensive use of the knowledge and skills of this subject, Do a good job in personal finance business legally and legally

The main knowledge points are: personal finance, laws and regulations related to personal finance business, financial investment market, financial products, customer classification and demand analysis, financial planning calculation tools and methods, workflow and methods of financial planners, financial service skills of financial planners, Other laws and regulations related to personal finance business

5. Elected subject: Banking Professional Practice-Corporate Credit

Examination purpose: Through this subject examination, test the candidates' ability to handle the basic business of bank corporate credit by using relevant knowledge in the field of bank corporate credit, including basic knowledge of corporate credit, operating procedures of corporate credit, analysis methods and management requirements, and laws and regulations related to corporate credit.

mainly investigate knowledge points: corporate credit, loan application acceptance and pre-loan investigation, loan demand analysis, loan environmental risk analysis, loan environmental risk analysis, customer analysis and credit rating, guarantee management, credit approval, loan contract and payment, post-loan management, loan risk classification and loan loss reserve provision, Non-performing loan management

6. Elected subject "Banking Professional Practice-Personal Loan"

Examination purpose: Through this subject examination, test the candidates' ability to apply the relevant knowledge of personal loan business of banks, including the basic knowledge and business management of personal loans, operational procedures and risk management of various business types, personal loan related laws and regulations, etc.

mainly investigate knowledge points: personal loan business foundation, personal loan management, personal housing loan, personal consumption loan, personal business loan, credit card business and personal credit information system.