1. Multiple choice questions
1. Credit cards do not have () functions.
A. Means of circulation B. Means of payment C. Consumer credit D. Cash deposits and withdrawals
2. Among the basic functions of bank credit cards, the following ( ) are the most important functions of credit cards
A. Payment and settlement B. Cash deposit and withdrawal
C. Consumer credit D. Savings deposit
3. It is helpful to understand the ( ) characteristics of personal credit Use credit reviewers to analyze the applicant's personal character and credit awareness
A. Resource B. Externality
C. Complexity D. Sociality
4. As far as credit review is concerned, the ultimate purpose of understanding the applicant’s character is to judge the applicant’s ( )
A. Reliability B. Credit rating
C. Willingness to repay D. Repayment ability
5. The credit review staff’s investigation of the “ability” item mainly examines the applicant’s ( )
A. Work ability B. Work stability
C. Debt and expenses D. Cash flow
6. Credit card consumer credit belongs to ( ).
A. Production credit B. Circulation credit C. Consumption credit D. Sales credit
7. The applicant’s ( ) status is very important for the credit review staff to effectively contact the applicant
A. Capital B. Guarantee
C. Environment D. Stability
8. The following ( ) are the most important specific factors that need to be investigated in the credit investigation Items
A. Income B. Payment records
C. Employment status D. Debt and expenses
9. Characteristics of credit review ( ) require credit review The reviewers "boldly assume and carefully verify" and objectively and fairly reflect the applicant's true situation:
A. Comparative B. Truth-seeking
C. Forward-looking D. Continuity
10. Essentially, a bank credit card is a type of ( )
A. Transfer settlement voucher B. Cash payment voucher
C. Credit Payment voucher D. Payment settlement voucher
11. Which of the following bank cards has the consumer credit function ( ).
A. Special card B. Debit card C. Stored-value card D. Quasi-credit card
12. The characteristic of credit card "consumption first, repayment later" reflects the characteristics of credit card ( ) function
A. Payment and settlement B. Cash deposit and withdrawal
C. General deposit and redemption D. Consumer credit
13. A person has credit Due to bad problems, the bank refused to lend, which is the result of the characteristics of personal credit ( )
A. Sociality B. Externality
C. Logic D. Resource
14. The focus of qualitative analysis of personal credit assessment involves six aspects, namely "5C 1S", which refers to ( ).
A, academic qualifications, moral character, ability, capital, guarantee, stability
B, moral character, ability, capital, environment, guarantee, stability
C , moral character, occupation, capital, environment, guarantee, stability
D. occupation, moral character, income, guarantee, guarantee, stability
16. Which of the following is not an IC card? Characteristics ( ).
A. Non-online operation B. High security C. Small storage space D. High technical requirements
17. Among the following card types, which one does not require real-time debit ( ) .
A. Debit card B. Special card C. Quasi-credit card D. Deposit card
18. Which of the following should not appear on the back of a credit card ( ).
A. Service telephone number of the card-issuing bank B. Cardholder’s signature
C. Statement of the card-issuing bank D. Name of the card-issuing bank
19. Credit investigation can use many methods There are several ways, among which the ( ) method is the simplest and easiest to implement.
A. Telephone investigation B. Door-to-door investigation C. Official letter investigation D. Judicial investigation
20. Credit investigation can be carried out in many ways, among which ( ) method can obtain first-hand information .
A. Telephone investigation B. Door-to-door investigation C. Official letter investigation D. Judicial investigation
21. In daily economic life, if a person often fails to repay debts without reason, it will If a partner loses his or her bank loan and defaults on it, the bank will inevitably refuse a loan in the future. In this way, it will be difficult to continue his normal business activities and even his daily life. This phenomenon is called ( )
A. Personal credit The social nature of personal credit B. The externality of personal credit
C. The resource nature of personal credit D. The positive externality effect of personal credit
22. The credit review staff passes the customer’s request to the bank Credit record, transaction status, and understanding of applicants through industrial and commercial, public security departments, community streets, etc., mainly to examine applicants from ( ) aspects.
A. Ability B. Capital C. Morality D. Environment
23. The "Shanghai Trial Measures for Personal Credit Information Management" were officially implemented in ( ).
A. January 1, 2004 B. February 1, 2004
C. September 1, 2003 D. October 1, 2003
24. ( ) is the first hurdle in credit card risk management.
A. Risk identification B. Risk management C. Risk digestion D. Credit review
25. If a person can abide by social norms, he will be recognized or accepted by society. If you always fail to comply with social norms, you will be punished exclusively, which illustrates the ( ) of personal credit.
A. Sociality B. Externality C. Negative externality effect D. Positive externality effect