The 2015 Banking Professional Qualification Examination "Risk Management" real questions and answers (2) The Banking Professional Qualification Examination column for studying abroad provides candidates with the 2015 Banking Professional Qualification Examination corporate credit real questions and answers. You are welcome to refer to it.

2. Multiple choice questions.

If two or more of the five options given in the following questions meet the requirements of the question, please select the corresponding option. No points will be awarded for multiple choices, few choices, or wrong choices.

(***40 questions. 1 point each. ***40 points) 1. In order to avoid excessive concentration of risks in regions, products, industries and customer groups, commercial banks can adopt a series of new risk management technologies such as ( )

and methods to prevent and transfer category risks.

A. Personnel training B. Overall portfolio limit C. Asset securitization D. Credit derivatives E. Credit concentration limit 2. In the following credit risk identification process for a single legal person customer, the following is not a non-financial factor analysis ( )

.

A. Management risk analysis B. Regional risk analysis C. Production and operation risk analysis D. Microeconomic analysis E. Natural environment analysis 3. In 2007, the subprime debt crisis broke out in the United States.

For a long time, some employees of US-funded commercial banks have illegally provided loans to people with low credit scores, missing income certificates, and heavy debts. Due to the downturn in the real estate market, the burden on customers has gradually reached the limit, and a large number of defaulting customers have appeared and no longer repay the loans.

Bad debts formed, and the subprime debt crisis occurred.

The crisis caused a sharp decline in the credit derivatives market, damaging the investments of many institutions, and further causing a shortage of inter-bank funds.

The crisis has affected many world-renowned commercial banks, investment banks and hedge funds, greatly eroding their long-standing image of sound operations in the public mind.

The above information includes ( ) and other risks in the business process of commercial banks.

A. Market risk B. Credit risk C. Operational risk D. Liquidity risk E. Reputation risk 4. The indicators that can be used to quantify the risk of return or volatility of return include ( ).

A. Expected rate of return B. Median C. Variance D. Standard deviation E. Mode 5. As an organizational body for risk management, the company’s board of directors has its responsibilities and requirements mainly reflected in the following ( ).

A. The board of directors is the highest risk management organization of commercial banks. B. The board of directors is responsible for identifying, measuring, monitoring and controlling various risks. C. The board of directors is a unique organization of commercial banks in my country. D. The risk management director should be a member of the board of directors. E. The board of directors is responsible for determining The overall risk level that commercial banks can bear 6. In addition to risk identification and assessment, the components of internal control of commercial banks also include ( ).

A. Good corporate spirit and control culture B. Scientific and effective incentive mechanism C. Information exchange D. Supervision and evaluation E. Establishment of internal control measures 7. In the following circumstances, the debtor may be deemed to have breached the contract: (

).

A. A borrowing company has filed for bankruptcy and will postpone the repayment of the debt. B. A borrowing company has gone bankrupt and will not repay the debt. C. A customer's credit card debt balance exceeds the newly approved overdraft limit and is 50 days overdue.

Not repaid D. A certain mortgage borrower cannot repay the loan in full, and the collateral cannot be liquidated. E. The bank agrees to restructure the debt of a certain borrowing company, which may lead to a reduction in debt. 8. The following correct statements about gap analysis are (

).