In 2022, the bank vocational qualification examination was affected by the epidemic, and the specific time of the examination was postponed for two months. This is undoubtedly a good opportunity for candidates to fight back. During these two months, you can review the knowledge points. I brought you the content analysis and examination subjects of the 2022 bank vocational qualification examination for your reference. Welcome to read!
Testing Center China Financial Market Organization System 1, Monetary Authority (People's Bank of China, State Administration of Foreign Exchange)
People's Bank of China: The People's Bank of China is the central bank of China, one of the constituent departments of the State Council, and a state organ that intervenes in economy and manages finance on behalf of the government.
State Administration of Foreign Exchange: The State Administration of Foreign Exchange is an administrative organ that conducts foreign exchange management according to law. It is a national bureau managed by various ministries in the State Council and managed by the People's Bank of China.
2. Financial supervision institutions (China Banking Regulatory Commission,)
China Banking Insurance Regulatory Commission: To supervise and manage the banking and insurance industries in a unified way according to law, safeguard their lawful and steady operation, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers and maintain financial stability.
Securities Regulatory Commission: China Securities Regulatory Commission is a ministerial organization directly under the State Council. According to the laws, regulations and the authorization of the State Council, supervise and manage the national securities and futures market in a unified way, maintain the order of the securities and futures market and ensure its legal operation.
3. Banking financial institutions
(1) Development financial institutions and policy banks
Development financial institution: China Development Bank
Policy banks: Agricultural Development Bank of The Export-Import Bank of China and China.
(2) Commercial banks
Large commercial banks, joint-stock commercial banks, city commercial banks, rural small and medium-sized financial institutions, China Postal Savings Bank, foreign banks, etc.
(3) Other banking financial institutions.
Financial asset management companies, trust companies, enterprise group finance companies, financial leasing companies, auto finance companies, money brokerage companies, loan companies and consumer finance companies.
4. Securities and futures financial institutions
Securities and futures financial institutions mainly include securities companies, stock exchanges, China Securities Depository and Clearing Co., Ltd., fund management companies, futures companies and China Financial Futures Exchange.
5. Insurance financial institutions
Insurance financial institutions mainly include insurance companies, insurance professional intermediaries and insurance asset management companies.
6. Other financial institutions
Other financial institutions are an important part of the financial system. It mainly includes financial holding companies, companies, third-party payment companies, financing guarantee companies and other quasi-financial institutions.
7. Self-regulatory organizations in the financial industry
(1) China Banking Association: China Banking Self-discipline Organization is a national non-profit social organization.
(2) China Securities Industry Association: a national securities industry self-regulatory organization established in accordance with the relevant provisions of the Securities Law of People's Republic of China (PRC) and the Regulations on the Administration of Registration of Social Organizations. It is a non-profit social organization legal person.
(3) China Futures Association: the national futures industry self-regulatory organization, which is a non-profit social group legal person.
(4) China asset management association of China: China Asset Management Association is a national, industrial and non-profit social organization established by relevant institutions in the securities investment fund industry according to law, engaged in non-profit activities.
(5) insurance association of china: insurance association of china is a national insurance industry self-regulatory organization approved by the former China Insurance Regulatory Commission and registered in People's Republic of China (PRC) and the Ministry of Civil Affairs of the People's Republic of China. It is a non-profit social group legal person.
(6) China Inter-bank Bond Market Dealers Association: The self-regulatory organization of the inter-bank market, including the inter-bank bond market, the inter-bank lending market, the foreign exchange market bill market and the gold market, is a national non-profit social group legal person.
(7) china trustee association is a non-profit social organization legal person approved by the Insurance Regulatory Commission of the Bank of China and registered in People's Republic of China (PRC) and the Ministry of Civil Affairs. Accept the guidance, supervision and management of the China Banking Regulatory Commission, the competent business unit of China, and the Ministry of Civil Affairs, the organization registration authority.
(8) China Internet Finance Association: 20 15 The People's Bank of China, together with China Banking Regulatory Commission, China Insurance Regulatory Commission and other relevant ministries and commissions, established a national self-regulatory organization for the Internet finance industry.
The essence of stock: stock is a certificate issued by a joint-stock company to prove the identity and rights of investors as shareholders and obtain dividends and bonuses.
② Classification of stocks
Shareholders' rights
Common stock and preferred stock
Common stock rights: the right to participate in business decisions; The right to distribute the company's surplus; The right to claim surplus property; Preemptive right
The right of preferred stock: get the interest first in the agreed way; Priority of payment; Restrict participation in business decision-making; Preferred stock has a fixed dividend.
Are the names of shareholders recorded?
Registered shares: shares and shares in which the names of shareholders are recorded in the register of shareholders of joint-stock companies.
Bearer stock: refers to the stock whose face value or name is not recorded in the register of shareholders of a joint-stock company.
Is the amount indicated on the face value of the stock?
Stock with par value: a stock with a certain amount of par value recorded. The book amount recorded is called face value.
No par value stock: refers to the stock that does not record the par value of the stock, but only indicates its proportion in the company's total share capital. No par value stocks have no par value, but they have book value.
Is there a physical carrier?
Entity stock: refers to the paper bill issued by a joint-stock company to shareholders as the form of its holding of shares.
Bookkeeping stock: refers to the stock that is not issued but only registered on the register of shareholders.
Listing place
A-shares: Shares with a face value in RMB, which are subscribed and traded in RMB for domestic investors to buy and sell.
B shares: Shares denominated in RMB, subscribed and traded in foreign currency, and exclusively traded by foreign investors and investors from Hongkong, Macao and Taiwan Province provinces.
H shares: Shares issued by companies registered in China and directly listed in China and Hongkong.
N shares: shares issued by companies registered in China and directly listed in new york, USA.
Nature of investment subject
State-owned shares: shares formed by departments or institutions that have the right to invest on behalf of the state by investing in the company with state-owned assets, including shares converted from the company's existing state-owned assets.
Legal person shares: the shares formed by an enterprise as a legal person or a public institution or social organization with legal person qualifications and invested in the company with its legally disposable assets.
Social public shares: refers to the shares formed by the public (individuals and institutions) investing their own property in shares that can be listed and circulated according to law.
③ Multi-level capital market in China.
Main board market in Shanghai and Shenzhen: the main place for securities issuance, listing and trading.
SME board market: mainly serving small and medium-sized enterprises and high-tech enterprises. (The main board and small and medium-sized board have been merged)
Growth Enterprise Market: Most companies listed on the Growth Enterprise Market are engaged in high-tech industries, often with short establishment time, small scale and outstanding performance, but there is great room for growth.
National share transfer system for small and medium-sized enterprises: the main business scope is to organize and arrange the public transfer of shares of unlisted joint-stock companies. As long as the shareholding structure of the applicant company is clear, the operation is legal and standardized, the corporate governance is sound, and the business and information disclosure obligations are clear, even if it is not profitable, it can be recommended by the sponsoring brokerage firm to apply for listing in the national share transfer system.
Regional equity trading market: it is a private equity market that provides equity, creditor's rights transfer and financing services for enterprises in a specific region. Most of the enterprises served by the regional property rights exchange market are in the initial stage, with small scale, insufficient product maturity and high risk.
OTC market of securities companies: OTC market of securities companies refers to the place or platform where securities companies provide services for trading with specific counterparties or investors outside the centralized trading place.
Science and technology innovation board: Science and technology innovation board is a newly established board independent of the existing main board market in Shanghai Stock Exchange. It is a local priority to support enterprises that conform to the national strategy, have key core technologies, have outstanding scientific and technological innovation capabilities, mainly rely on core technologies to carry out production and operation, have high market recognition, good social image and strong growth.
Investigation content 1. Compulsory subjects: banking laws and regulations and comprehensive ability.
Examination purpose: Through the undergraduate purpose examination, test candidates' ability to analyze and judge problems and handle basic business by using basic banking knowledge, banking-related laws and regulations, basic principles of banking practitioners and professional ethics.
Mainly investigate knowledge points: economic and financial basis, banking business, banking management, legal basis of banking practice, banking supervision and self-discipline.
2. Elective Subject: Banking Professional Practice-Banking Management
Purpose of the examination: Through the examination of this professional category, we can examine whether the candidates have reached the qualification level of banking managers and have the ability to perform the duties that match the positions, including mastering the relevant economic and financial systems and regulations, managing banking financial institutions, and protecting the rights and interests of financial consumers. And highlight the practical application and control ability of compliance management of banking financial institutions, risk control points of various basic businesses and corresponding regulatory requirements.
The main knowledge points are: economic policy, supervision system, basic banking business, banking management and innovation, non-bank financial institutions and business, internal control, compliance management and audit, banking risk management, protection of banking consumer rights and social responsibility.
3. Elective Subject: Banking Professional Practice-Risk Management
Purpose of the examination: Based on the authoritative framework system of domestic and foreign regulatory standards, the risk management examination closely combines the basic practice of domestic banking business and risk management, unifies the basic concepts and terms of risk management according to the basic cognition of all employees of banking institutions, especially grass-roots employees, grasps the basic knowledge of risk management, risk culture, risk limit, risk preference and three lines of defense, and pays attention to the credit risk and operational risk related to grass-roots practical work.
The main knowledge points are: risk management foundation, risk management system, capital management, credit risk management, market risk management, operational risk management, liquidity risk management, country risk management, reputation risk and strategic risk management, other risk management, stress testing, risk assessment and capital assessment, banking supervision and market restraint.
4. Elective course: banking professional practice-personal finance.
Examination purpose: to test the mastery of personal financial basic knowledge and skills, including the application of professional knowledge and skills such as financial investment market, financial products and financial business management, through the undergraduate examination; Test candidates' mastery of laws and regulations related to personal financial services, customer classification and demand analysis, and financial calculation tools. Comprehensive use of the knowledge and skills of this discipline, legal compliance to do a good job in personal finance business.
The main knowledge points are: personal finance, laws and regulations related to personal finance business, financial investment market, financial products, customer classification and demand analysis, financial planning calculation tools and methods, work flow and methods of financial planners, financial service skills of financial planners and other laws and regulations related to personal finance business.
5. Elective Subject: Banking Professional Practice-Corporate Credit
Purpose of the examination: To test the ability of candidates to handle the basic business of bank corporate credit by using the relevant knowledge in the field of bank corporate credit, including the basic knowledge, operation process, analysis method and management requirements of corporate credit, as well as the relevant laws and regulations of corporate credit.
The main knowledge points are: enterprise credit, loan application acceptance and pre-loan investigation, loan demand analysis, loan environmental risk analysis, loan environmental risk analysis, customer analysis and credit rating, guarantee management, credit approval, loan contract and payment, post-loan management, loan risk classification and loan loss reserve provision, and non-performing loan management.
6. Elective course "Banking Professional Practice-Personal Loan"
Examination purpose: Through the undergraduate purpose examination, test the candidates' ability to use the relevant knowledge of personal loan business in banks, including the basic knowledge and business management of personal loans, operational processes and risk management of various business types, and laws and regulations related to personal loans. , handle the basic business of bank personal loans.
Mainly investigate knowledge points: personal loan business foundation, personal loan management, personal housing loan, personal consumption loan, personal business loan, credit card business, personal credit information system.
2. Is there a test center in Guiyang for the bank qualification examination?
Yes Guiyang is one of the test sites for the qualification examination of banks. 20 19 The qualification examination for banking in the second half of the year is scheduled to be held in Guiyang on 19126 and 27 October. This exam takes the form of personal online registration. Examination registration and related information are through the website of China Banking Association (
3. What subjects are there in the banking qualification examination?
First, the examination subjects
1, Basic subject of banking qualification examination (required): public foundation.
Bankers who pass the public basic subject examination and certificate examination will get the public basic certificate.
2. Professional subjects of banking qualification examination (optional examination): personal finance, risk management, corporate credit and personal loans.
Candidates can choose one or more subjects to apply for the exam, and the banking practitioners who pass the examination and assessment of professional subjects will get the corresponding professional qualification certificate of single subject.
Second, matters needing attention
1. passing the "public * * * basic" examination and obtaining the public * * * basic certificate is a necessary prerequisite for obtaining certificates of other professional subjects:
Bankers who have passed the public basic examination alone but have not applied for other professional subjects may apply for the public basic certificate.
Candidates who have passed the examination of professional subjects (personal finance, risk management, enterprise credit and personal loans) alone, but failed the basic examination and obtained the public basic certificate can only obtain the qualification certificate of the professional subject, and cannot apply for the certificate. The results of this major subject are valid for 2 years, and those who pass the public * * * basic examination within 2 years can apply for the certificate of public * * * basic and professional courses at the same time. 2. You can't choose two subjects at the same time. Please pay attention to the candidates when registering.
Three, the difficulty of the bank qualification examination subjects
Difficulty level: You can choose either personal finance or risk management. With regard to the order of difficulty, the common bank exams are public foundation (public foundation is a compulsory subject) and personal finance, which are relatively low in difficulty. Others, such as risk management, personal loans and corporate credit, are slightly more difficult.
To work in a bank, you can choose to take Public Foundation and Personal Finance in the initial stage.
If you already work in a bank, it depends on what position you are in or which direction you want to develop. For example, the general account manager requires risk management, and it is best to add corporate credit and personal loans, mainly corporate funds and personal funds; Personal finance is required by the sales department.
4. When is the examination time for the banking industry in 2022?
In 2022, the banking examination time165438+1October 26-27, the number of applicants was 3.25 million, the number of people who passed the written test was 265438+ million, and the number of people who participated in the interview was 1.49 million.