1.(b) is the central bank of China, responsible for formulating and implementing monetary policy.
A. Bank of China and People's Bank of China
C. China Development Bank D. China Banking Regulatory Commission
2. The CBRC's examination and approval of the qualifications of senior managers of financial institutions belongs to (1) of the Supervision Measures.
A. Market prospective person B. Off-site supervision C. Supervision talk D. Information disclosure supervision
3. "Banking Supervision and Management Law" does not include (c) in the description of banking supervision and management objectives.
A. Promote the legal and steady operation of the banking industry. B. Maintain public confidence in the banking industry.
C. Safeguarding the legitimate rights and interests of the banking industry D. Improving the competitiveness of the banking industry
4. The full name of the CBRC is (B).
A. China Banking Regulatory Commission
C. China Banking Regulatory Commission
The Chinese name of 5. CBA is (a).
A. China Banking Association B. China Banking Association C. China Banking Association D. Certified Banking Analyst
6. (1) It is the highest authority of the China Banking Association.
A. General Assembly B. Secretariat C. Council D. Five professional committees
7. The following banks are not policy banks (D).
A. China Agricultural Development Bank B. China Development Bank C. The Export-Import Bank of China D. China Postal Savings Bank
8.5438+2007 10 The National Financial Work Conference held in Beijing decided to "promote the reform of policy banks according to the classification guidance and the principle of" one line, one policy ". First, promote (b) reform, fully implement commercial operation, mainly engaged in medium and long-term business. (2) It shall be implemented for policy business. "
A. China Development Bank has a clear responsibility examination and approval system. B. China Development Bank has an open and transparent bidding system.
C. The Export-Import Bank of China, an examination and approval system with clear responsibilities D. The Export-Import Bank of China, an open and transparent bidding system.
9. At present, the "five major banks" we refer to (a).
A. China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications.
B China People's Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank.
C. China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, The Export-Import Bank of China
D China Industrial and Commercial Bank, China Construction Bank, Bank of Communications, China Postal Savings Bank and China Development Bank.
Look. One of the following bank names does not exist, and it is (b).
A. Bank of Beijing B. Beijing Zhongguancun Development Bank C. Bank of Shanghai D. Shanghai Pudong Development Bank
1 1. The first foreign bank in China approved the establishment of a domestic representative office is (D).
A. Citibank B. Standard Chartered Bank C. Bank of East Asia D. Export-Import Bank of Japan
12. New China Di Yi Trust Company is (1).
A. China International Trust and Investment Corporation
C. Shanghai International Trust and Investment Corporation China Xinda Asset Management Corporation
13.GDP refers to (b).
A. Gross national product B. Gross domestic product C. National income D. Net national product
14. From the perspective of expenditure, the expenditure on purchasing private houses is included in item (b).
A. Private consumption B. Fixed capital formation of investment C. Inventory increase of investment D. Government consumption
15. The most important and basic function of the financial market is (c).
A. Optimizing resource allocation function B. Economic adjustment function C. Monetary fund financing function D. Pricing function
16. The following financial markets do not belong to the OTC market (C).
A. Shanghai Stock Exchange Dalian Commodity Exchange
C. State-owned banks ask the bond market D. China Financial Futures Exchange
17. The main difference between the distribution market and the circulation market is (c).
A. Different delivery dates of financial instruments B. Different financing methods
C. Trading at different stages D. Different types of trading tools
18. Among the following statements about financial instruments, (b) is wrong.
A. According to the rights of investors, securities investment funds are mixed tools.
B. According to the function of financial instruments, stocks are tools for hedging and speculation.
C. Repurchase agreements are short-term financial instruments by term.
D. From the perspective of financing methods, corporate bonds are direct financing tools.
19.2003 The People's Bank of China began to issue central bank bills to commercial banks. This monetary policy tool belongs to (b), and issuing bills will be (b).
A. interest rate policy, reduce money supply B. open market business, reduce money supply
C. Open market business, increase money supply D. Interest rate policy, increase money supply
20. The following statement about monetary policy is correct (D).
Monetary policy is the only means for the state to regulate and control the macro-economy.
B. Open market business, deposit reserve policy and interest rate policy are called "three magic weapons" of monetary policy.
C. Money supply is the operational goal of monetary policy.
D In 2004, China further reformed the deposit reserve system and implemented the differential deposit reserve ratio system.
2 1. The main source of funds for commercial banks is (a).
A. deposits B. loans C. interest income D. fee income
22. Personal deposits can be divided into (b).
A. Current deposit, lump-sum deposit and withdrawal, fixed deposit and convenient deposit, personal notice deposit and education savings deposit
B. demand deposits, time deposits, time deposits, personal notice deposits and education savings deposits.
C. Demand deposits, time deposits, time deposits, personal agreement deposits and education savings deposits
D. Demand deposits, lump-sum deposits and withdrawals, financial special account deposits, personal notice deposits and education savings deposits.
23. In demand deposits, the bank adopts the annual interest rate divided by the daily interest rate converted into 360 days, and the specific annual interest rate divided by the daily interest rate converted into 365 days (the actual interest-bearing days) (A).
A. high B. low C. same D. not necessarily
24. The deposit method in time deposit does not belong to lump-sum deposit and withdrawal (D).
A. lump-sum deposit and withdrawal B. lump-sum deposit and withdrawal C. lump-sum deposit and withdrawal D.
25. A customer deposited in 12.28 in 2006.
000 yuan, deposited for half a year, assuming that the interest rate is 2.70%, the maturity date is June 28, 2007, and the withdrawal date is July 18, 2007. Suppose that on July 18, 2007, the interest rate of current savings deposit is 0.72%, the interest tax rate is 20%, and the interest earned by customers is (d) yuan.
a 135 b 108 c 139d 1
1 1.2
26.(d) is the corporate depositor's escrow account.
A. General deposit account B. Special deposit account C. Temporary deposit account D. basic deposit account
27. Individual foreign exchange accounts are classified into category (B) according to the nature of the accounts.
A. Personal foreign exchange account, foreign exchange settlement account and capital account
B. foreign exchange settlement accounts, capital accounts and foreign exchange savings accounts
3. Domestic personal foreign exchange accounts and overseas personal foreign exchange accounts.
D. foreign exchange savings accounts, capital accounts and personal foreign exchange accounts
28. The benchmark interest rate for loans of financial institutions is determined by (a).
A. People's Bank of China B Ministry of Finance C State Administration of Foreign Exchange D the State Council
29. The main risks of loan business are (a).
A. Credit risk B. Strategic risk C. Market risk
D. operational risk 30. According to the "five-level classification" of loans, non-performing loans refer to (c).
A. Pay attention to loans, subprime loans and doubtful loans
C. Subprime loans, doubtful loans and loss loans D. Normal loans, doubtful loans and loss loans
3 1. The term of post-loan management is (d).
A. From the date when the loan problem occurs to the time when the loan principal and interest are recovered.
B from the date when the loan cannot be fully recovered to the date when the loan principal and interest are recovered.
C. from the date of loan problem to the date of completion of NPL restructuring.
D. from the date of loan issuance to the time when the principal and interest of the loan are recovered.
32. On February 8, 2007, Mr. Wang bought a commercial house with a total price of 400,000 yuan, with a down payment of 200,000 yuan and the remaining 200,000 yuan paid by mortgage. The loan term is 65,438+00 years. Assuming that the loan interest rate is 5.8 14%, if the repayment method of equal principal and interest is adopted, the total principal and interest that Mr. Wang needs to repay every month is (a).
A.2 20 1.78 yuan B. 1.666.67 yuan C.969.00 yuan D. 1
232.78 yuan
33. In syndicated loans, the bank invited to participate in the syndicate and provide loans according to the share determined through consultation is (C).
A. Lead bank B. Agent bank C. Participating bank D. Arranging bank
34. The following statement about factoring business is incorrect (D).
A. it is divided into single factoring and double factoring. B. The full name of factoring business is secured payment agency business.
C. It is a comprehensive financial service integrating trade financing, business credit investigation, accounts receivable management and credit risk guarantee.
D in single factoring and double factoring, the export-import bank has signed guarantee agency agreements with importers and exporters.
35. Short-term financing bonds in China are short-term bonds issued by enterprises, similar to American commercial paper. The market for issuing and trading short-term financing bonds is (a).
A. interbank market B. exchange market C. bill market D. floor market
36. In the direct quotation, the highest bid price, selling price and middle price quoted by the bank are (B).
A. buying price B. selling price C. middle price D. equally high
37. The following statement about bank forward foreign exchange transactions is incorrect (B).
A the currency, amount and exchange rate of the transaction need to be agreed in advance.
B Forward foreign exchange premium means that the forward exchange rate is less than the spot exchange rate under direct quotation.
C. Forward foreign exchange transactions have the advantage of hedging exchange rate risks.
D delivery can be made on a fixed delivery date, or on any day within a certain period of time at the option of one party to the transaction.
38. Among the following financing methods, (c) is not suitable for commercial banks to obtain funds in the case of short-term capital shortage.
A. sell the central bank bills held by B. interbank borrowing funds
C. Listing and issuing stocks D. Converting commercial paper into cash.
39. The main purpose of banks trading financial derivatives should be (D).
A. Get higher income B. Earn the difference C. Speculate for customers D. Risk management
40. In (c) business, both parties to the transaction are financial institutions.
A. note issuance facilities B. Bill Discount C. Bill Discount D. Bill Acceptance
4 1.(b), also known as guaranteed or buyout, refers to the non-recourse discount (that is, buyout) of the long-term acceptance bills or promissory notes held by exporters in the form of deferred payment in international trade.
A. guarantee agent B. forfaiting C. bank guarantee D. letter of credit
42. Enterprise A signs a contract with Enterprise B to provide the construction of a project. If enterprise B is worried that enterprise A will not be able to complete the project on schedule, which will cause losses to its own operation, it may require enterprise A to apply to bank (C).
A. Project loan commitment B. Business credit certificate C. Performance guarantee D. Loan guarantee
43. Personal online banking belongs to (D).
A. Private banking B. Telephone banking C. Mobile banking D. Electronic banking
44. The product that customers can't buy through the bank is (A).
A. stock bond fund insurance
45. Bank collection and payment services do not include (c).
A. collect telephone charges B. collect tuition C. issue lottery bonuses D. pay wages
46. The risk most likely to directly lead to the loss of intangible assets of banks is (c).
A. Operational risk B. Liquidity risk C. Reputation risk D. Market risk
47. Country risk in bank risk does not include (b).
A. Political risk B. Market risk C. Social risk D. Economic risk
48. After 1980s, the risk management of banks entered the stage (C).
A. Liability risk management B. Asset-liability risk management C. Overall risk management D. Asset risk management
49. Regarding the purpose of the Basel Committee, the following statement is incorrect (b).
A. strengthening international cooperation in banking supervision B. promoting mergers and acquisitions in international banking
C.* * * Preventing and controlling financial risks D. Ensuring the safety and development of the international banking industry
50. The business objective of listed banks in China is generally (C).
A. Maximize assets B. Maximize profits C. Maximize shareholder value D. Maximize company value
Calculation formula of 5 1 Roe is (a).
A. Net profit/capital B. Net profit/assets C. Income/capital D. Income/assets
52. In the balance sheet of Company A on June 5438+February 3, 2006, the total assets were 1 billion yuan and the liabilities were 60 million yuan, so the owner's equity was (c) yuan.
A.600,000 B.65438+600 million C.400,000 D. 1 100 million
53. Administrative sanctions do not include (a).
A. Administrative detention B. Gross demerit C. Gross demerit D. Expulsion
54. When the CBRC conducts on-site inspection of banking financial institutions, the investigators shall not (d).
A. More than 3 people but less than B, more than C and less than D.
55. When a financial institution goes bankrupt or disbands, it shall submit customer identity information and customer transaction information (B).
A. Destruction
B. Transfer to institutions designated by relevant departments in the State Council.
C. sold to other financial institutions D. returned to customers
56. The current Anti-Money Laundering Regulations for Financial Institutions were formulated by the People's Bank of China and came into effect on (d) 1, and the original Anti-Money Laundering Regulations for Financial Institutions promulgated on (1) 3, 2003 were abolished at the same time.
In 2004
In 2007
57. The Law on Commercial Banks stipulates that the capital adequacy ratio of commercial banks is (a).
A. not less than 8% B. not more than 8% C. not less than 10% D. not more than10%.
58. The following statement about commercial bank loans is incorrect (c).
A commercial bank has the right to refuse any unit or individual to force it to issue loans or provide guarantees.
B. Commercial bank loans should strictly examine the borrower's borrowing purposes.
C. If the borrower fails to return the secured loan at maturity, the commercial bank can only ask the guarantor to return the deposit or give priority to the repayment of the collateral, and cannot ask the guarantor to return the interest.
D. Commercial banks cannot issue fixed assets loans or make investments with borrowed funds.
59. Commercial banks may not use interbank funds for (a).
A. Issuing loans or investing in fixed assets B. Making up for the shortage of bill settlement
C. Meet the needs of temporary liquidity D. Make up for the shortage of foreign exchange positions of peers
60. According to the provisions of the Law on Commercial Banks, the following provisions concerning the handling of business by commercial banks are correct (C).
A. Commercial banks can shorten their business hours by themselves when there are no customers to handle business.
B. Commercial banks can't charge for business and services.
C. Commercial banks are not allowed to bid for settlement business.
D. commercial banks can freely reduce interest rates and issue loans.
6 1.(b) is a person without civil capacity.
A. a natural person who has reached the age of 18 and is mentally normal B. a minor who has not reached the age of 10 and is mentally normal.
C. Adult mental patients who can't fully recognize their own behavior
D a natural person who has reached the age of 16, but has not reached the age of 18, and whose main source of income is his own labor, and is mentally normal.
62. The legal consequences of legal agency behavior directly belong to (a).
A. Principal B. Agent C. Third Party D. Agent and Principal
63. The following statement about the legal characteristics of a contract is wrong (B).
A. concluding a contract is a civil legal act.
B. A contract can be divided into an agreement concluded by both parties on the basis of equality and voluntariness and mandatory provisions issued by the superior unit to the subordinate unit.
The purpose of a contract is to establish, change and terminate the civil rights and obligations between the parties.
D. a contract is legally binding when it is established according to law.
64. According to the company law, in the following statement, (c) is correct.
A. both branches and subsidiaries have legal personality. B. Neither the branch nor the subsidiary has legal person status.
C. The branch company does not have legal person status, and its civil liability shall be borne by the head office.
D. A subsidiary has legal person status, and its civil liability shall be borne by the parent company.
65. After the enterprise was declared bankrupt according to law, after distributing bankruptcy expenses and debts, the bankruptcy property totaled 200 million yuan. The enterprise owes 5 taxes.
0 million yuan, 50 million yuan owed to employees' wages and labor insurance expenses, and 65.438+0.5 billion yuan owed to banks, so the creditor's rights that banks can recover are (c).
A.200 million yuan B.65438+500 million yuan C. 1 100 million yuan D.50 million yuan
66. Bill Law was first adopted in May 1995, and the current Bill Law was revised and came into effect on August 28th (c).
In 2000
67. According to the provisions of the Guarantee Law, if the parties have not agreed or the agreement is unclear, the following statement is correct (B).
A. assume the guarantee liability according to the general guarantee B. assume the guarantee liability according to the joint and several liability guarantee
C. the guarantee contract is invalid D. the guarantor can choose general guarantee or joint liability guarantee at will.
68. The following acts do not constitute an illegal act (c).
A. exchange homemade RMB for real money B. sell homemade RMB.
C. I used counterfeit money, and I didn't know it was counterfeit money. D. I help my friend transport counterfeit money, but the amount is small.
69. In the process of using the credit card, Zhang overdrafted 65,438+10,000 yuan beyond the prescribed limit, and the issuing bank repeatedly urged him to pay the arrears, which Zhang deliberately ignored. After verification by the bank, Zhang was completely unable to repay. Zhang's behavior (C).
A. It is legal, because Zhang uses his own credit card, and the credit card itself has an overdraft function.
This is legal, because Zhang has not forged, invalid or fraudulently used other people's credit cards.
C. This is illegal because Zhang maliciously overdraws his credit card.
D is illegal because Zhang used someone else's credit card.
70. When the bank staff learned that the customer's funds came from smuggling criminal activities, the following statement was correct (D).
A. an account that can provide funds for it B. property can be converted into financial bills for it.
C.you can send money abroad for them. D. None of the above three practices is legal.
7 1. The following statement about bribery is correct (D).
A. it is not a bribe to bear the tuition fees for the children of superiors to study abroad. B. Bribery is only a personal matter, and the unit does not constitute bribery.
C even if the briber voluntarily confessed the fact of accepting bribes before being prosecuted, it is impossible to reduce his punishment.
D state functionaries who accept gifts in domestic official activities and fail to hand them in according to state regulations may be subject to criminal punishment.
72. Employees of the following institutions must abide by the professional ethics of banking practitioners, except for item (b).
A. employees of rural banks B. employees of fund management companies
C. Employees of finance companies of enterprise groups D. Employees of trust companies
73. A listed bank employees can provide external information is (D).
A. The specific business plan of the bank for the next year B. List of customers without contact information
C. List of senior managers and middle managers of the Bank D. Financial statements publicly disclosed by the Bank in the past five years
74. Employees of a bank are diligent and eager to learn business knowledge from colleagues in other positions in another department, and occasionally colleagues offer to perform their duties on their behalf when they go out. This behavior (d).
It embodies the spirit of unity and cooperation among colleagues and should be encouraged.
B.it reflects the diligence and earnest spirit of employees and should be praised.
This is ok if the skills and knowledge of employees meet the requirements of colleagues.
D. no, unless it is properly approved.
75. When handling foreign exchange business, a customer asked the bank staff how to convert the extra $30,000 in cash exceeding the prescribed limit of $50,000 into RMB (settlement of foreign exchange). What this staff member did was inappropriate.
A. I told my customers that there was nothing I could do for fear of violating the regulation of "evading supervision".
B Advise the customer to transfer USD 30,000 to family account and settle the foreign exchange.
C. if it is not urgent, it is recommended that customers come back early next year to settle foreign exchange.
D. It is suggested that customers can choose to buy relevant foreign exchange products when there is no urgent need.
76. A bank recently ended its business relationship with a customer 10. The bank shall submit the customer's previous financial data and transaction records (D).
A. destroy it immediately. B. return it to the customer. C. sell to other companies. Preserved for more than 5 years
77. The staff of a listed bank knew that the bank was facing a lawsuit, but the outside world did not know. As soon as the news comes out, the bank's share price is likely to fall, (D).
A. The clerk should advise his friend to sell the shares in the bank immediately.
B employees should disclose the information to the public to fulfill their information disclosure obligations.
accountability
C this employee can sell his shares in the bank, but he can't disclose the news to others.
The employee can't use this information to buy or sell bank shares, nor can he disclose this information to others.