Physical examination test

I. Right and wrong issues

(√) 1. In the personal/family balance sheet, early mortgage repayment cannot increase the net asset value.

(√)2. The goal that customers hope to achieve or achieve through financial planning is the financial goal.

(√)3. Under the condition of inflation, fixed interest rate assets depreciate.

(√)4. The analysis of cash flow statement can be used as the basis for estimating future income and expenditure.

(×)5. Among customer liabilities, those with a starting and ending period of 3-5 years are medium-term liabilities.

(×)6. Time deposits are current assets in personal balance sheets.

(×)7. Different financial plans have different forms of return, and the common form of return of personal financial plans of commercial banks is only the lowest rate of return.

(√)8. If a customer signs a non-guaranteed floating income financing plan with a commercial bank, the bank will pay the customer income according to the agreed conditions and actual investment income. .

(×)9. Expectations for future life are judgmental information.

(√) 10. The index foreign exchange personal wealth management products launched by domestic and foreign banks are suitable for individual investors with high liquidity demand.

(√) 1 1. Among the customer information collection methods, data questionnaire is the main information collection method.

(×) 12. Personal finance mainly considers asset appreciation, so personal finance is how to invest.

(√) 13. At present, the personal financial management business of securities companies mainly focuses on investment on behalf of customers.

(√) 14. The customer's demand for financial management is mainly to increase the financial position.

Second, multiple-choice questions: 14, 3 points for each question, with a total score of 42.

1. If personal bank wealth management products are subject to a fixed interest rate, when the price increase rate (b) is the after-tax rate of return of bank wealth management products, individual investors will suffer actual losses.

A, less than b, greater than c and equal to d, it doesn't matter.

2. (1) It is the most basic theory of personal finance.

A, life cycle theory B, modern portfolio theory C, capital asset pricing theory D, option pricing theory.

3. (1) The concept of cash flow discount was first put forward.

A, Williams B, Sharp C, markowitz D, Modigliani

4. According to the life cycle theory, what kind of consumption pattern do people prefer? (3)

A, consume more when you are young, and consume less when you are old; B, spend less when you are young and spend more when you are old.

C, the consumption level remains quite stable in a person's life D, everyone's hobbies are different, and there is no unified model.

5.(B) Financial information belonging to customers.

A. Investment preference B. Income and expenditure C. Risk tolerance D. Age

6. The customer's conversation style is quite personal. In the personality model, the customer is (b).

A, perfectionist B, creator C, exultant D, challenger

7. "I don't want to use stock investment in my investment plan" is (b) information type.

A, fact B, judgment C, inference D, financial information

8. The theoretical basis of personal finance comes from (b).

A, Economics B, Modern Finance C, Financial Market D, Investment Science

9. The fundamental difference between bank wealth management products and general material management enterprise products is that the personal wealth management products of banks are essentially a kind of (D).

A, monetary deposit b, bank transfer c, bank consultation d, service

10. An investor bought a foreign exchange structured wealth management product with an interest rate of USD 50,000 (calculated by 360 days a year), linked to LIBOR. The agreement stipulates that when LIBOR is in the range of 2% to 2.75%, it will give a high yield of 6%; If LIBOR exceeds the range of 2%-2.75% on any day, it will be calculated as a low yield of 2%. If LIBOR is in the range of 2%-2.75% for 90 days in an actual year, the investor's income in this product is (B) USD.

750 B、 1500 C、2500 D、3000

1 1. Taboos in negotiation do not include (b).

A, interrupt others' words B, show sincerity to each other C, seize each other's faults and attack each other D, talk too much

12. The asset value in the personal balance sheet is calculated according to (b).

A, the purchase price b, the current market price c, the average purchase volume ......

I hope it helps you.