In 219, the answer questions of student-origin credit student loans in Guizhou Province were attached with the complete version of the answers
The credit network answer papers of graduate students of student loans in Guizhou Branch of China Development Bank
1. Multiple choice questions (1 point for each question, ***4 points) This big question * * answered 37 questions correctly. Get 37 points
Question 1. Student-origin credit student loans are mainly used for () A, tuition B, accommodation C, tuition and accommodation D, tuition, accommodation and living expenses
Correct
Question 2. Personal credit reports are currently mainly used for () A, helping commercial banks and other institutions to fully understand personal credit status B, providing decision-making reference for clients in choosing trading partners C, and handling for clients. Provide decision-making reference for clients in dealing with the economy
Correct
Question 3. The most important information in the basic database of personal credit information is () A, transaction information between individuals, credit transaction information between individuals and banks, personal identity information D, and housing provident fund loan information
Correct
Question 4. () refers to that individuals have objections to the wrong information in the credit report and still handle it through normal procedures. It can be pointed out that it is wrong to protect one's personal rights and interests A, the right to know B, the right to dissent C, the right to correct mistakes D and the right to judicial relief by legal means. The correct answer is: D
Question 5. Personal credit information is caused by (). As long as individuals who have opened settlement accounts in commercial banks or had credit transactions with banks, they have all joined the basic database of personal credit information A, B applied by commercial banks, C voluntarily applied by individuals, and actively collected by credit reporting agencies, and no individual application D is required. None of the above is correct < P > P > Question 6. Zhang San is now a sophomore majoring in clinical medicine in Guiyang Medical College (five-year undergraduate program, who will graduate), and his family is poor. Meet the requirements for applying for student-origin student loan from Development Bank, and the following statements are true: (a) The longest loan period is 13 years b, and the shortest loan period is 7 years c. If Zhang San applies for a loan for 12 years, he will start to pay interest on September 1 and repay the principal on December 2; if Zhang San applies for a loan for 12 years, he will start to pay interest on September 1 and repay the principal on December 2, 217 < () A. Go to the data reporting agency that has business dealings with you to verify the situation and settle it through consultation. You can also apply to the credit management department of the People's Bank of China for objection B, to the agency of China Banking Regulatory Commission for objection C, to the relevant departments of the local government for objection D, and to the local bank for objection
Correct
Question 8. How can I know the details of my student-origin credit student loan () A, the online student loan system of China Development Bank B, Alipay website C, Consult the student financial aid center D, A or C that accepts loans < P > Correct < P > Question 9. The following behaviors belong to the good habit of credit card consumption: (a) After the annual fee owed to the credit card leads to negative records in the credit report, cancel the card immediately; (b) Your wallet holds an idle bank card for a long time; (c) After the credit card is lost or stolen, you fail to report the loss in time; (d) Open the SMS function. Understand the information such as the amount and date of repayment from the mobile phone short message bill
Correct
Question 1. Except for (), it is not necessary to obtain the written consent of the inquired person. A commercial bank must obtain the written authorization of the inquired person to inquire about the personal credit report, handle the examination of personal loan application B, examine the application of personal credit card and quasi-credit card C, examine the application of individual as guarantor D, and conduct post-loan risk management
Correct
Question 11. The application date for early repayment of student loans of China Development Bank (including college student loans and student loans from places of origin) is () A, and B before the 2th of January-October. You can apply for D every day except November 1-1th C and January-October, and you can apply for it all year round
Correct
Question 12. The conditions for others to check your credit report are () A. The financial institution agrees B. The local government approves C. After I authorize D, I don't need to be
Correct
Question 13. () A, the real estate agent shall bear B, and none of them shall bear C, and the original owner shall bear it, but he may bring a lawsuit to the relevant parties that have adverse effects on personal credit records respectively. D. If it is determined by the judicial department that you are not responsible, you can ask the relevant financial institutions to modify the credit information
Correct
Question 14. What should I do if the credit report omits personal credit transaction information? () A. It is temporarily impossible to modify B. It is impossible to modify C. You can apply for objection handling through the credit information management department of the local People's Bank of China. The credit information management department or credit information center of the People's Bank of China requires commercial banks and other institutions to supplement the missing credit transaction information with D. You can apply to financial institutions for modification
Correct
Question 15. Overdue credit information refers to () A. When an individual has a credit relationship with a bank, Relevant information due to failure to repay the due amount in full and on time b, relevant information due to failure of individuals to repay the due amount in time when borrowing money c, relevant information due to failure of individuals to repay the due amount in full and on time when handling credit cards at banks d, none of the above is correct
Correct
Question 16. Positive information refers to the credit transactions you obtained in the past and the information that you normally performed in credit transactions. To put it simply, the information about your borrowing money and () A, the information about paying back the money on time B, the information about paying back the money C, and the information about not paying back the money on time D are all incorrect < P > Correct < P > Question 17. The prepayment dates of the student loans of China Development Bank (including the student loans from universities and students' places of origin) are () A, January 15th B, July 15th C, 2th D of each month, except 11. The due repayment date of college student loans is () a, January 1st b of the last year of the loan term, August 31st c of the last year of the loan term, D, December 31st of the last year of the loan term
Correct
Question 19. According to the requirements of the Interim Measures for the Administration of Basic Database of Personal Credit Information, all commercial banks, whether Chinese-funded financial institutions or A. Enterprise credit database B, China People's Bank C, personal credit information database D, and head offices of commercial banks
Correct
Question 2. Collecting national student loans is a personal credit loan issued by financial institutions such as commercial banks to college students with financial difficulties in accordance with national policies. Since (), Commercial banks and other financial institutions will submit relevant information such as student loans and repayment to the basic database of personal credit information A, the date of repayment of college students B, the date of loan issuance C, the date when college students graduate and enter the repayment period D, and the date of applying for loans
Correct
Question 21. To inquire about personal credit report, you should fill in () A, resume B, personal bank credit situation C, personal credit report, personal inquiry application form D, Personal income is
correct
Question 22. The following is true about prepayment application: (a) prepayment application can be divided into one-time repayment and partial repayment; (b) Borrowing students can submit prepayment application in the student online system; (c) Students need to submit prepayment application to the county student financial assistance management center; (d) If loans issued before 21 need to be repaid in advance, they can only do so through the agent bank mode, and students cannot repay in advance through Alipay
Error. () A, system program error B, system operator did not delete C, business operator error D, in order to truly and objectively reflect personal credit status, personal credit report should reflect not only the current situation of personal credit transactions, but also the historical situation of their credit transactions. Therefore, even after the arrears are repaid, the overdue records should be kept in the credit report for a period of time
Correct
Question 24. Is it a negative message that the credit card only pays the minimum repayment amount on schedule? () A, counting B, not counting C, being listed as D after 3 days, and still not being listed as < P > after the grace period, the correct answer: B
Question 25, 1. The following statement about "the difference between overdue by one day and overdue by 18 days" is correct: () A, whether overdue by one day or overdue by 18 days, it will be the same as the entity's current credit report. It will be as if the entity is now in the credit report, but there is no difference in judging the risk of commercial banks. C. Whether it is overdue for one day or 18 days, it will be as if the entity is now in the credit report and listed as a bad record. D. None of the above is correct. P. Question 26. If individuals have different opinions on the information in their credit reports, they can raise them with the credit reporting agency and the credit reporting agency will handle them according to procedures. This is () A, the right to know B, the right to dissent C, the right to correct mistakes D, and the right to judicial relief
Correct
Question 27. At present, the limited number of personal credit report inquiries is () A, 1 B, 2 C, 3 D, unlimited
Correct
Question 28. Negative information refers to That is, default information A, repaid loan B, failure to repay loan on time and in full, payment of various fees C, various fees D, various loans and payment fees
Correct
Question 29. In addition to post-loan risk management of personal credit that has been issued, commercial banks should obtain () A, direct B, oral C, written authorization D and telephone consent of the inquired personal credit report. () A, Yes, B, No, C, Different banks handle it differently, and different regions handle it differently
Correct
Question 31. The biggest benefit of personal credit report is to accumulate for individuals (). It is convenient for individuals to handle credit business A, credit wealth B, knowledge wealth C, money D, and reputation < P > Question 32. To inquire about personal credit report, you should provide () information A, the original and photocopy of my valid identity certificate B, my company certificate C, my company certificate D, personal loan contract < P > Correct < P > Question 33, and the highest and lowest amount of student-origin credit loan is accurately stated. 1B、6; 5C、6; 1D、8; 15%C
Correct
Question 34. In (), you can inquire about the personal credit report A, the location of my account B, the local area C, the province D, and all parts of the country
Correct
Question 35. If the loan student fails to return the loan principal on time, the Development Bank will charge a penalty interest according to the overdue principal amount and the overdue days, and the penalty interest rate is () A and 13%B of the loan interest under this contract. () A, as long as you have a good credit, you can get a loan from a commercial bank immediately. B, as long as you have a good credit, you may get preferential treatment in terms of loan interest rate, term and amount. C, as long as you have a good credit, you can definitely enjoy a low-interest loan from a commercial bank. D, as long as you have a good credit, you can definitely enjoy a low-interest loan from a commercial bank. < P > Correct < P > Question 37, Zhang San applied for a student-origin credit student loan in 29. In 21, I applied for a student source credit loan of 6, yuan, and my account was Alipay. After graduation, Zhang San applied for early repayment. Should the money be deposited? () A, the loans in 29 were deposited in the Agricultural Bank of China card account, the loans in 21 were deposited in Alipay account B, the loans in 29 and 21 were deposited in Alipay account C, and the loans in 29 and 21 were deposited in Agricultural Bank of China card account D. You can choose to deposit them in the Agricultural Bank of China card account or Alipay account
Correct
Question 38, 1. The following describes the obligations of individuals in credit investigation activities. The mistakes are () A, providing correct personal basic information B, updating your own information C in time, returning bank loan D in advance, caring about your credit record
Correct
Question 39, overdue repayment and other negative information are not recorded in your personal credit report forever. According to the international practice, most negative records are kept for () a, 7 years b, 3 years c, 5 years d, 5-7 years
Correct
Question 4. The annual interest repayment date of student loans of China Development Bank (including college student loans and student loans from places of origin) is () a, January 15th b, July 15th c and 2th of each month. ***4 points) Answer 15 questions correctly in this big question * * *, and get 3 points
Question 1. The following are contract changes () A, account information change in Alipay mode B, school information change
C, identity information change D, contract repayment plan change
Wrong, correct answer: B,C,D
. In order to ensure timely notification, in case of any of the following (1) situations, the loan student shall notify the financial aid center handling the student loan in writing within 2 working days. And log on to the student online service system to change personal information. A, the student's home address, mailing address, contact telephone number and work unit have changed. B, the loan student is unemployed, seriously ill, and has an accident. C, the loan student can't complete his studies normally, such as dropping out of school, being expelled from school, and going abroad. D, the loan student and * * * the borrower's domicile and residence are
correct
. The basic database of personal credit information has covered all levels of credit business outlets of banking financial institutions in China, including () and some housing provident fund management centers, microfinance companies and auto finance companies, etc. A, policy banks B, national commercial banks
C, local commercial banks D, rural credit cooperatives and finance companies
Correct
Question 4, personal credit reports are wrong. You can report the error information through the channel () and ask for verification and correction. A. You or someone entrusted to report it to the credit management department of the local branch of the People's Bank of China. B. You can directly report it to the credit center. D. You can entrust a commercial bank agency directly involved in the error information to report it. D. You can file a lawsuit to protect your rights and interests by legal means. The correct answers are: A,B,C B, C., D
Question 5. If the ID card is stolen without my knowledge, the individual should () a, report it to the public security organ as soon as possible; b, immediately publish a statement that the ID card is invalid
C, inquire about the personal credit report, and object to the information record of the stolen ID card; d, immediately report the
error to the credit bureau. The correct answer is: A,C
Question 6, the following.