Part One Multiple Choice Questions
1. Single multiple choice questions (this major question has 20 sub-questions, each sub-question is worth 1 point, and each sub-question is worth 20 points). Only one of the four options listed meets the requirements of the question. Please fill in the letters before the correct option in the brackets after the question.
1. Bank A issued a 6-year loan to a customer. After the loan expired, the customer requested a loan extension. According to regulations, the cumulative extension of the loan shall not exceed ()
A. 1 year B. 3 years C. 6 years D. 4 years
2. Wahaha Company borrowed 10 million yuan from the bank using Wahaha's trademark rights as guarantee. This kind of guarantee belongs to ()
A. Chattel pledge B. Rights mortgage C. Real estate mortgage D. Rights pledge
3. The agency that manages national savings in our country is ()
A. Industrial and Commercial Bank of China B. People's Bank of China C. China Savings Association D. Ministry of Finance
4. For personal savings deposits, commercial banks have the right to reject inquiries and inquiries from any organization or individual. Freeze and deduct unless ()
A. Otherwise provided by law B. Otherwise provided by administrative regulations
C. Otherwise provided by laws and administrative regulations D. Otherwise provided by the central bank Regulations
5. When A was withdrawing money from an automatic teller machine, the machine malfunctioned and spit out an extra 300 yuan. A should ()
A. Return the full amount to bank B .Give the money to the Public Security Bureau
C. Donate the money to Project Hope D. Keep the money for yourself
6. A is a foreign-invested enterprise that obtained the money from a foreign bank Loans must be ()
A. Approved by the State Administration of Foreign Exchange B. Approved by the local administration of foreign exchange
C. Approved by the competent industry department D. Reported to the foreign exchange administration authority for filing
7. Company A is a Chinese enterprise. In order to obtain foreign exchange, it reached an agreement with an American company C. The expenses of C’s branch in China will be paid by A in RMB, and C will pay an equal amount for A’s purchase of goods in the United States. U.S. dollar, A’s behavior is ()
A. Escape from foreign exchange B. Disrupt the financial market C. Arbitrage D. Legal swap behavior
8. July 24, 2000, my country The published exchange rate of USD to RMB is 100:829. This pricing method is ()
A. Composite pricing method B. Direct pricing method
C. Indirect pricing method D. Single pricing method
9. When Xiao Huo went to securities company A to entrust stock trading, A guaranteed an annual return on investment of 20%. Does A’s behavior belong to ()
A. Fraudulent customers B. Trust C. False statement D. Guarantee
10. A listed company declared bankruptcy. Among the following people, which one has the highest priority in claiming the company’s property is ()
A. State-owned shareholders B. Public shareholders
C. Corporate bond holders D. Preferred shareholders
11. The stock price of a listed company has been high for three consecutive months At 15 yuan, and the conversion price of the convertible bonds it issued is 10 yuan, which of the following terms may the company exercise ()
A. Redemption terms B. Interest rate terms
C. Sale-back clause D. Conversion price adjustment clause
12. A certain securities investment fund manager *** manages three funds, which hold shares of a certain listed company. The total proportion shall not exceed () of the company’s issued shares
A.20%B.10%C.5%D.30%
13. August 7 is Monday, A commodity futures exchange has calculated that the balance of member A's margin account is less than the maintenance margin amount. On what day should A increase margin before the market opens ()
A. August 11 B. August 10 C. August 9 D. August 8
14. The direct leadership agency of the Central Bank of China is ()
A. National People’s Congress B. People’s Bank of China
C. State Council D. Ministry of Finance
15. Which of the following businesses can a commercial bank engage in in China ()
A. Trust investment B. Trading Stocks
C. Invest in banks D. Invest in buildings for sale
16. The total assets of foreign-funded banks in my country shall not exceed the sum of their paid-in capital plus reserves ()
A. 10 times B. 20 times C. 50 times D. 100 times
17. After Company A and the German manufacturer negotiated the supply conditions for the purchase of German cranes, Ding Financial Leasing The company agreed to sign a lease contract. Company D places an order with a German manufacturer and delivers the goods directly to A from Germany. A receives the goods after inspection.
What kind of financial lease does this financial leasing behavior belong to ()
A. Leaseback lease B. Sub-lease C. Direct lease D. Self-operated lease
18. Xiao Zhu If he wants to sell the open-end securities investment fund units he holds, he can ()
A. Entrust a securities company to sell them at the market price on the stock exchange
B. Press Sold to securities companies at market price
C. Request fund management company to redeem according to fund quotation
D. Transfer to third party at market price through agreement
19. In the futures market, traders must pay a certain amount of funds according to a certain ratio of the futures contract price as a financial guarantee for the performance of the futures contract before they can participate in the purchase and sale of futures contracts. This kind of funds is called ()
A. Futures trading settlement funds B. Futures settlement funds
C. Futures trading deposit D. Futures margin
20. Xiao Wang obtained from the Anshun Securities Investment Fund he held The form of income should be ()
A. Stocks B. Cash
C. Cash and stocks D. Cash and fund units
2. Multiple choice questions (This major question has 10 sub-questions, each sub-question is worth 2 points, max. 20 points) Among the five options listed in each sub-question, two to five options meet the requirements of the question. Please enter the correct option. Fill in the letters in the brackets after the question. There will be no points for multiple selections, few selections or incorrect selections.
21. Company D was invested and established by the president of Bank A. Bank A provided Company D with a loan of 3 million yuan for the construction of a real estate project that had not yet been approved, and did not require Company D to Provide guarantee.
Bank A’s behavior violated ()
A. The regulation that banks cannot issue loans to related parties
B. The regulations that banks cannot issue loans to unapproved construction projects
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C. Banks cannot grant credit loans to related parties
D. Banks cannot provide loans of more than 2 million yuan at one time
E. Banks cannot invest Provisions on non-own-use real estate
32. A provides guarantee for B’s loan in the bank. It is stipulated in the guarantee contract that A’s guarantee is a general guarantee, so ()
A. In When the loan is due, the bank can directly require A to repay the loan
B. When the loan is due, the bank should first make a written request to B. Only when B still fails to repay the loan will the bank have the right to require A to bear the guarantee. Responsibility
C. A believes that he will only bear the guarantee responsibility if the bank files a lawsuit or arbitration against B and is still unable to fulfill the debt after enforcement
D. Change of B's ??residence , when the bank cannot find B, it can directly require A to bear responsibility
E. If A writes to the bank to waive the right to refuse to perform the guarantee obligations stipulated in the law, the bank can refuse to perform the guarantee obligation when the loan expires. In case of debt, A is directly required to bear responsibility
23. A deposits 100 yuan in a bank every month and agrees to withdraw it once after 3 years. This is ()
A. Regular reserve B. Regular savings with principal and interest
C. Long-term value preservation savings D. Regular savings with lump sums
E. Fixed and living savings
24 .A commercial bank is preparing to absorb a large amount of deposits this year, and it must ()
A. Announce the deposit interest rate, which is determined based on the upper and lower limits of deposit interest rates stipulated by the People's Bank of China
B. Pay deposit reserves to the Industrial and Commercial Bank of China after absorbing deposits
C. Keep sufficient reserves after absorbing deposits
D. Significantly increase deposit interest rates and attract deposits with high interest rates< /p>
E. Pay deposit reserves to the People’s Bank of China after receiving funds
25. At present, the basic contents of China’s foreign exchange management system include ()
A. RMB Becoming a freely convertible currency
B. The RMB has achieved free convertibility under the current account
C. The RMB has achieved conditional freedom of convertibility under the current account
D. The RMB under the capital account is still subject to foreign exchange controls
E. The RMB under the capital account can be conditionally freely convertible
26. The bank canceled X’s credit card account , the bank’s behavior is legal only under the following circumstances ()
A. A. A died for some reason, and the card-issuing bank has withdrawn the credit card for 45 days
B. A’s credit card There has been no transaction on the account for 1 year
C. There has been no transaction on A’s credit card account for 3 years
D. A’s credit is not good and he has been included in the stop payment list. The issuing bank has withdrawn the credit card for 45 days
E. A’s guarantor has revoked the guarantee
27. Juxiang Company holds a listed company through transactions on the Shanghai Stock Exchange When the company acquires 30% of the issued shares, it shall ()
A. Make an offer to all shareholders
B. When continuing to acquire, make an offer to all shareholders
< p> C. When the acquisition continues, adopt the acquisition method of agreementD. When the acquisition continues, the proportion of shares held in the listed company increases by 2%. Disclosure will be made
E. When continuing the acquisition, acquire shares after being exempted from the obligation to offer by the China Securities Regulatory Commission
28. A joint-stock company intends to apply for the issuance of corporate bonds. The conditions it should meet include ()
A. Net assets are not less than RMB 30 million
B. The average distributable profits in the past three years are sufficient to pay one year’s interest on corporate bonds
C. The bonds mature once The total face value of the cumulative outstanding bonds shall not exceed 40% of the net assets
E. The interest on the bonds shall not exceed the interest rate level specified by the State Council
29. Which of the following behaviors by a futures trading company is prohibited ()
A. Taking risks with customers B. Keeping business secrets for customers
< p> C. Accept discretionary trading orders from customers D. Hedging transactions entrusted by customers outside the exchange If it is closed due to poor management, which of the following methods may the People's Bank of China take to deal with it ()A. Additional capital B. Loan
C. Custody D. Takeover
E. Directly enter the liquidation procedure
Part II non-choice questions
III. Short answer questions (this major question has 4 small questions, each question is 5 points ,***20 points)
31. Briefly describe the purpose of China’s central bank supervision.
32. Briefly describe our country’s regulations and practices on withdrawals and early withdrawals of savings deposits.
33. Briefly describe the main contents of my country’s current account foreign exchange management of domestic institutions.
34. Briefly describe the conditions that listed companies should meet when issuing convertible bonds.
4. Essay questions (this major question has 2 small questions, each question is 10 points, 20 points each)
35. Discuss the relationship between my country’s commercial banks and customers principle.
36. Let’s discuss the embodiment of the principle of publicity in the legal system of stock issuance and trading and the significance of this principle to China’s securities market.
5. Case analysis questions (this major question has 2 small questions, each question is 10 points, ***20 points)
37.A applied at Bank B After using a personal credit card, I spent many times at special institutions. On July 15, 1999, someone reported the loss to Bank B, claiming that the credit card with the name of the cardholder A was lost. The bank immediately issued a stop payment notice. On July 16, A purchased electrical appliances worth about 20,000 yuan from a special agency. When swiping the card, the special agency refused to accept it. After making inquiries, A pointed out that someone reported the loss under his/her name. According to the investigation, Bank B did not require the person who reported the loss to produce an identity document when reporting the loss. A therefore filed a lawsuit against the court, requiring Bank B to compensate for its round-trip travel expenses for investigating the matter.
Questions: (1) What procedures should be followed to report the loss of a credit card (3 points)
(2) Is it legal for the special agency to refuse to swipe card for A (3 points)< /p>
(3) Whether Bank B should compensate A for its losses (4 points)
38. On August 2, 1997, A entrusted Bank B to grant a loan of 10 million yuan to C. The loan period was In 1 year, in order to guarantee the due repayment, C provided two guarantees to Bank B: D provided a joint guarantee, and in addition, C also mortgaged a certificate of deposit due on February 5, 1998 to Bank B. The amount of the certificate of deposit is RMB 6 million. On February 6, 1998, C proposed to Bank B that the company was in urgent need of funds and hoped to use the funds on the deposit certificate first. Bank B unilaterally agrees that C withdraws the deposit certificate. On August 2, 1998, the loan expired and C was unable to repay the loan. A therefore requires Bank B to repay all the principal and interest of the loan on behalf of C, but B believes that the guarantor D should bear all the responsibilities.
Question: (1) Is A’s request reasonable and why (3 points)
(2) Should D bear full responsibility and why (4 points)
(3) How should the responsibilities in this case be divided (3 points)