2019 Junior Banking Qualification Examination Bank Management Test Questions 3

1. Multiple choice questions

1. Deposits are deposits based on trust in the bank. A method of depositing funds in a bank and withdrawing money at any time or at an agreed time ( ).

A. Commercial behavior

B. Credit behavior

C. Legal behavior

D. Financial behavior

Correct answer B

Answer analysis This question examines the deposit business. Deposit is a credit behavior in which the depositor deposits funds in the bank based on trust in the bank and can withdraw the money at any time or at an agreed time. See textbook P59.

2. The general minimum deposit amount for personal call deposits is ( ) 10,000 yuan.

　A, 2

　B, 3

　C, 5

　D, 6

　Correct answer C

Answer analysis: This question examines personal deposit business. The general minimum deposit amount for personal call deposits is 50,000 yuan. See textbook P62.

This question is based on the knowledge point of "liability business"

3. Interest on large-denomination certificates of deposit will be calculated from the date of subscription, and the interest payment method does not include (　).

A. One-time repayment of principal and interest when due

B. Regular interest payment

C. Repayment of principal when due

D. Agreed to repay principal and interest

Correct answer D

Answer analysis This question examines the unit's deposit business. Interest will be calculated on large-denomination certificates of deposit from the date of subscription. Interest payment methods include one-time payment of principal and interest upon maturity, regular interest payment, and repayment of principal upon maturity. See textbook P65.

4. ( ) is the most important asset of commercial banks.

A. Cash assets

B. Securities investment

C. Loans

D. Fixed assets

Correct answer C

Answer analysis This question examines the loan business. Loans are the most important assets of commercial banks and their main use of funds. See textbook P72.

5. ( ) refers to loans issued independently by banks with funds raised in a legal manner. The risks are borne by the bank and the principal and interest are recovered by the bank.

A. Credit loan

B. Specific loan

C. Self-operated loan

D. Entrusted loan

Answer analysis This question examines the loan business. Self-operated loans refer to loans issued independently by banks with funds raised in a legal manner. The risks are borne by the bank and the principal and interest are recovered by the bank. See textbook P74.

6. ( ) is currently one of the most important credit varieties of domestic banking financial institutions and plays an important role in supporting national construction and promoting economic development.

A. Working capital loan

B. Fixed asset loan

C. Project financing

D. M&A loan

Correct answer B

Answer analysis This question examines corporate loans. Fixed asset loans are currently one of the most important credit types of domestic banking financial institutions and play an important role in supporting national construction and promoting economic development. See textbook P82.

7. The syndicate ( ) shall represent the interests of the syndicate, and shall not be affiliated or related institutions of the borrower.

A. Leading bank

B. Agent bank

C. Participating bank

D. Related bank

Correct answer B

Answer analysis This question examines corporate loans. The syndicate agent bank shall represent the interests of the syndicate, and the borrower's subsidiaries or related institutions shall not serve as agent banks. See textbook P87.

8. The investment goal of commercial bank bonds is mainly balance (　).

A. Liquidity and risk

B. Liquidity and profitability

C. Profitability and risk

D , profitability and controllability

Correct answer B

Answer analysis This question examines investment business. The bond investment objectives of commercial banks are mainly to balance liquidity and profitability, reduce the risk of asset portfolios, and improve capital adequacy ratios. See textbook P90.

9. ( ) is a popular and widely used settlement tool in remote settlement.

A. Commercial draft

B. Bank draft

C. Cashier's check

D. Check

Correct answer B

Answer analysis This question examines bank drafts. A bank draft is a kind of instrument that is payable on sight and does not need to be presented for acceptance. The bill goes with the person, and when the money arrives, the person can withdraw the money by presenting the bill, and it can be endorsed and transferred. It is characterized by convenience, flexibility, strong liquidity and cashability, and is a popular and widely used settlement tool in remote settlements. See textbook P97.

10. Banks can provide limited-amount consumption and payment services to depositors through () category accounts.

　A, Ⅰ

　B, Ⅱ

　C, Ⅲ

　D, Ⅳ

　Correct answer C

Answer analysis This question examines the payment and settlement business. Banks can provide limited-amount consumption and payment services to depositors through Type III accounts. See textbook P100.

11. The agency business of commercial banks does not include ().

A. Agency for salary payment

B. Agency for financial deposits

C. Agency for financial investment

D. Agency for sales of open-end funds

Correct answer C

Answer analysis This question tests agency business. The agency collection and payment business mainly includes agency for various public utility charges, agency for administrative charges and financial charges, agency for salary payment, withholding of housing mortgage consumer loans, etc. Agency policy banking business mainly includes: agency fund settlement, agency cash payment, agency special fund management, agency loan project management and other businesses. The agency business of the central bank mainly includes: agency for fiscal deposits, agency for the treasury, agency for gold and silver and other businesses. Agency commercial banking business includes: agency settlement business, agency foreign currency clearing business, agency foreign currency cash business, etc. See textbook P105.

12. According to the regulations of the China Banking Regulatory Commission, when domestic commercial banks open credit card issuance business, the registered capital shall be paid-in capital and shall not be less than RMB ( ) billion or the equivalent in convertible currency.

A. 3

B. 5

C. 8

D. 10

Correct answer B

Answer analysis This question examines the credit card business. According to the regulations of the China Banking Regulatory Commission, when a domestic commercial bank opens a credit card, the registered capital shall be paid-in capital and shall not be less than RMB 500 million or the equivalent in convertible currency. See textbook P108.

13. According to commercial banks’ classification of the degree of protection of principal income of financial products, (　) is not included.

A. Non-guaranteed floating-income financial products

B. Capital-guaranteed floating-income financial products

C. Non-guaranteed financial products

D. Guaranteed income financial products

Correct answer C

Answer analysis This question tests financial business. According to the degree of protection of the principal income of financial products by commercial banks, they are divided into: non-principal guaranteed floating income financial products, principal guaranteed floating income financial products, and guaranteed income financial products. See textbook P113.

14. Among the following options, the one that does not meet the requirements for banks to carry out inter-bank business is ().

A. A specialized department established or designated by the legal person headquarters to be responsible for the operation

B. The specialized department for interbank business of commercial banks can entrust the interbank business that can be traded electronically through the financial trading market. Handled by other departments or branches

C. The legal person headquarters shall centrally and uniformly authorize the specialized departments of the inter-bank business

D. The specialized departments of the inter-bank business shall not be sub-authorized

Correct answer B

Answer analysis This question examines interbank business. Specialized departments for interbank business of commercial banks shall not entrust other departments or branches to handle interbank business that can be traded electronically through the financial trading market, such as interbank lending, resale and repurchase bonds, and interbank certificates of deposit. See textbook P119.

2. Multiple-choice questions

1. Corporate deposits, also known as corporate deposits, are (　) monetary funds deposited in banks with other organizations and individual industrial and commercial households, and can be deposited at any time Or a credit act in which money is withdrawn at an agreed time.

A. Institutions

B. Groups

C. Troops

D. Enterprises

E. Causes Unit

Correct answer ABCDE

Answer analysis This question examines the deposit business of the unit. Unit deposits, also known as corporate deposits, are a credit behavior in which agencies, groups, military units, enterprises, institutions and other organizations, as well as individual industrial and commercial households, deposit monetary funds in banks and can withdraw the money at any time or at an agreed time. See textbook P62.

2. The assets of commercial banks mainly include (　).

A. Cash assets

B. Securities investment

C. Loans

D. Fixed assets

E. Other assets

Correct answer ABCDE

Answer analysis This question examines the loan business. The assets of commercial banks mainly include: cash assets, securities investments, loans, fixed assets, and other assets. See textbook P72.

3. According to different sources of loan funds and business models, commercial bank loans can be divided into (　).

A. Credit loan

B. Guaranteed loan

C. Self-operated loan

D. Entrusted loan

Correct answer CDE

Answer analysis This question examines the loan business. According to different sources of loan funds and business models, commercial bank loans can be divided into: self-operated loans, entrusted loans, and specific loans. See textbook P74.

4. According to the different uses of personal loans, personal loan products can be divided into (　).

A. Personal housing loan

B. Personal consumption loan

C. Personal business loan

D. Personal investment loan

E. Trade financing

Correct answer ABC

Answer analysis This question tests personal loans. According to the different uses of personal loans, personal loan products can be divided into personal housing loans, personal consumption loans, and personal business loans. See textbook P79.

5. The following are customer access and business processes (　).

A. Business acceptance

B. Due diligence

C. Risk review

D. Contract signing

E. Loan issuance and payment

Correct answer ABCDE

Answer analysis This question examines corporate loans. Customer access and business processes: business acceptance, due diligence, risk review, contract signing, loan issuance and payment, and post-loan management. See textbook P83-84.

6. Bank payment and settlement principles include (　).

A. Keeping promises

B. Performance payment

C. Whose money goes into whose account and who controls it

D , The bank does not advance funds

E. The bank handles it on its behalf

Correct answer ABCD

Answer analysis This question examines the payment and settlement business. Bank payment and settlement principles: abide by credit, perform payment; whose money goes into whose account, and who controls it; banks do not advance funds. See textbook P96.

7. According to different issuing institutions, the major credit cards in the world currently include (　).

A. Visa card

B. MasterCard

C. Diners Club

D. JCB card

Correct answer ABCDE

Answer analysis This question examines the credit card business. Depending on the issuing institution, the major credit cards in the world currently include Visa, MasterCard, Diners Club, JCB, American Express and China UnionPay. See textbook P108.

3. True or False Questions

1. Financial bonds issued by Chinese policy banks to commercial banks often choose public offerings. (　)

Correct answer Wrong

Answer analysis This question examines the issuance of financial bonds. Private placement means that the issuer directly issues financial bonds to specific investors. Financial bonds issued by Chinese policy banks to commercial banks often choose private placement. See textbook P69.

2. Short-term working capital loans are all fixed-rate loans, that is, the interest rates stipulated in the contract are implemented. (　)

Correct answer Yes

Answer analysis This question examines the loan business. See textbook P74.

3. After accepting a customer’s loan application, a commercial bank shall conduct an on-site investigation and form a written report, and shall be responsible for its authenticity, completeness and validity. (　)

Correct answer Wrong

Answer analysis This question examines corporate loans. After accepting a customer's loan application, a commercial bank shall conduct on-site and off-site investigations, form a written report, and be responsible for its authenticity, completeness and validity. See textbook P81.

4. Policy financial bonds include bonds issued by three policy banks: China Development Bank, Export-Import Bank of China, and Agricultural Development Bank of China. (　)

Correct answer Yes

Answer analysis This question examines investment business. See textbook P91.

5. The paying agent bank shall not accept bank drafts submitted directly by the bearer who has not opened a deposit account with the bank. (　)

Correct answer Yes

Answer analysis This question examines the payment and settlement business. See textbook P97.

6. In the entrusted loan business, the lender only charges a handling fee and does not bear the loan risk. (　)

Correct answer Yes

Answer analysis This question examines agency business. See textbook P107.