Overview

(1) Be familiar with the relevant entities of personal financial management business;

(2) Understand the classification of bank personal financial management business;

(3) Understand foreign and The development and status of domestic personal financial management business;

(4) Understand the team status and professional characteristics of financial planners;

(5) Master the professional qualification requirements of financial planners;

(6) Understand the standards of qualified financial planners and the social responsibilities of financial planners.

Error-prone test questions for junior personal finance in the Banking Qualification Examination

Multiple choice questions

1. The requirements of my country’s financial institutions for the professional ethics of financial planners are (　) .

A. Observe disciplines and laws

B. Be honest and trustworthy

C. Be objective and fair

D. Be professional and competent

Reference answers: A, B, C, D, E

Question difficulty: This question was answered ***3 times.

Reference analysis: The professional ethics requirements of my country's financial institutions, especially bank financial planners, are summarized as six professional ethics principles: abide by the law, keep secrets, be honest and trustworthy, be objective and fair, be diligent and conscientious, and be professional and competent.

2. The following factors that will affect the development of personal financial management business are (　).

A. Allow domestic investors to invest in Hong Kong stocks

B. The Ministry of Finance issues special treasury bonds

C. In-depth reform of the medical system

D .The launch of stock index futures

E. Population aging

Reference answers: A, B, C, D, E

Question difficulty: This question*** Answered 4 times.

Reference analysis: Personal financial management business will be affected by various macro, micro and other factors, and all the above options are involved.

3. Personal financial management business has advantages such as (　) and occupies an important position in the development of commercial banking business.

A. Large batch volume

B. Low risk

C. High risk

D. Wide business scope

Reference answers: A, B, D, E

Question difficulty: This question was answered 3 times.

Reference analysis: Personal financial management business has the advantages of large volume, low risk, wide business scope, and stable operating income, and occupies an important position in the development of commercial banking business. Therefore, options A, B, D, and E are consistent with the meaning of the question.

True or False Question

1. Residents’ increasing awareness of financial management and their increasing demand for financial management are important driving forces for the development of my country’s personal financial management business. (　)

A.√

B.×

Reference answer: Yes

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: The reasons for the rapid development of personal financial services in our country are: residents’ wealth accumulation, rising residents’ demand for financial management, lack of residents’ financial management skills, increasingly abundant investment and financial management tools, and the objective needs of financial institutions’ transformation.

2. Individual customers are the suppliers of personal financial management services. (　)

A.√

B.×

Reference answer: Wrong

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: Individual customers are the demanders of personal financial management services.

3. Subjects related to personal financial management business include individual customers, commercial banks, non-bank financial institutions, regulatory agencies, etc. These entities have the same status in personal financial management business. (　)

A.√

B.×

Reference answer: Wrong

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: The entities related to personal financial management business include individual customers, commercial banks, non-bank financial institutions, regulatory agencies, etc. Individual customers are the demand side; commercial banks are the supply side; non-bank financial institutions are the providers. Business; regulatory agencies are mainly responsible for supervision, and the status of the four is different.

4. Private banking is a service only provided to high-end customers. (　)

A.√

B.×

Reference answer: Yes

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: Wealth management business is a service provided to mid-to-high-end customers, while private banking business is a service provided only to high-end customers.

5. Private banking services can be provided to all customers.

(　)

A.√

B.×

Reference answer: Wrong

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: Private banking is a full range of services provided only to high-net-worth clients.

6. Private banking is a financial service provided to all customers. (　)

A.√

B.×

Reference answer: Wrong

Question difficulty: This question was answered 2 Second-rate.

Reference analysis: Private banking is a financial service provided to high-net-worth customers.