I. Right and wrong issues
(√) 1. In the personal/family balance sheet, early mortgage repayment cannot increase the net asset value.
(√)2. The goal that customers hope to achieve or achieve through financial planning is the financial goal.
(√)3. Under the condition of inflation, fixed interest rate assets depreciate.
(√)4. The analysis of cash flow statement can be used as the basis for estimating future income and expenditure.
(×)5. Among customer liabilities, those with a starting and ending period of 3-5 years are medium-term liabilities.
(×)6. Time deposits are current assets in personal balance sheets.
(×)7. Different financial plans have different forms of return, and the common form of return of personal financial plans of commercial banks is only the lowest rate of return.
(√)8. If a customer signs a non-guaranteed floating income financing plan with a commercial bank, the bank will pay the customer income according to the agreed conditions and actual investment income. .
(×)9. Expectations for future life are judgmental information.
(√) 10. The index foreign exchange personal wealth management products launched by domestic and foreign banks are suitable for individual investors with high liquidity demand.
(√) 1 1. Among the customer information collection methods, data questionnaire is the main information collection method.
(×) 12. Personal finance mainly considers asset appreciation, so personal finance is how to invest.
(√) 13. At present, the personal financial management business of securities companies mainly focuses on investment on behalf of customers.
(√) 14. The customer's demand for financial management is mainly to increase the financial position.
Second, multiple-choice questions: 14, 3 points for each question, with a total score of 42.
1. If personal bank wealth management products are subject to a fixed interest rate, when the price increase rate (b) is the after-tax rate of return of bank wealth management products, individual investors will suffer actual losses.
A, less than b, greater than c and equal to d, it doesn't matter.
2. (1) It is the most basic theory of personal finance.
A, life cycle theory B, modern portfolio theory C, capital asset pricing theory D, option pricing theory.
3. (1) The concept of cash flow discount was first put forward.
A, Williams B, Sharp C, markowitz D, Modigliani
4. According to the life cycle theory, what kind of consumption pattern do people prefer? (3)
A, consume more when you are young, and consume less when you are old; B, spend less when you are young and spend more when you are old.
C, the consumption level remains quite stable in a person's life D, everyone's hobbies are different, and there is no unified model.
5.(B) Financial information belonging to customers.
A. Investment preference B. Income and expenditure C. Risk tolerance D. Age
6. The customer's conversation style is quite personal. In the personality model, the customer is (b).
A, perfectionist B, creator C, exultant D, challenger
7. "I don't want to use stock investment in my investment plan" is (b) information type.
A, fact B, judgment C, inference D, financial information
8. The theoretical basis of personal finance comes from (b).
A, Economics B, Modern Finance C, Financial Market D, Investment Science
9. The fundamental difference between bank wealth management products and general material management enterprise products is that the personal wealth management products of banks are essentially a kind of (D).
A, monetary deposit b, bank transfer c, bank consultation d, service
10. An investor bought a foreign exchange structured wealth management product with an interest rate of USD 50,000 (calculated by 360 days a year), linked to LIBOR. The agreement stipulates that when LIBOR is in the range of 2% to 2.75%, it will give a high yield of 6%; If LIBOR exceeds the range of 2%-2.75% on any day, it will be calculated as a low yield of 2%. If LIBOR is in the range of 2%-2.75% for 90 days in an actual year, the investor's income in this product is (B) USD.
750 B、 1500 C、2500 D、3000
1 1. Taboos in negotiation do not include (b).
A, interrupt others' words B, show sincerity to each other C, seize each other's faults and attack each other D, talk too much
12. The asset value in the personal balance sheet is calculated according to (b).
A. Purchase price B, current market price C and average purchase price D, as the case may be.
13. The core of personal financial management is to realize the needs and objectives according to the financial manager's asset status and risks (D).
A, situation b, size c, prediction d, preference
14. The following is an open question (b).
A. Do you want to add XX shares to your portfolio?
The Bank of China raised the deposit reserve ratio again last week. What do you think of this?
Can you tell me your age?
D. I plan to start planning retirement at the age of 50. Will it be too late?
3. Multiple choice questions: 10, each with 3 points, with a total score of 30. Multiple choice questions: 10, 3 points for each, with a total score of 30.
1. The following statement about personal/household assets and liabilities is true (CD).
A, the value of depreciable assets generally decreases with the increase of its service life.
B. The large amount of net assets may mean that some assets of customers are not fully utilized.
C, for those debt relations have been formed, but the customer has not received a formal payment notice, it should not be included in the debt project.
D, the ideal net asset holdings should be based on the actual situation of customers.
2. At present, the basic business of personal finance in China's commercial banks includes: (ABCD).
A. Fund B, RMB wealth management products C, foreign exchange wealth management products D and card wealth management products
Generally speaking, in the same period of economic growth slowdown and recession, the measures that individuals and families do not take include (ABCD).
A, reduce fixed income products.
Buy assets from industries sensitive to cyclical fluctuations.
Increase the allocation of stocks, real estate and other assets.
D, reduce defensive low-yield assets
4. Financial planners usually need to analyze the assets and liabilities of families when making financial planning. The following (CD) belongs to current liabilities.
A, car loan b, education loan c, credit card loan d, consumer loan
5. Under normal circumstances, the wealth management products are sorted according to certain standards. Then the following statement is incorrect (ABC).
A according to the risks of financial products, the order is: derivatives, stocks, savings products and convertible bonds.
B, according to the liquidity of financial products from big to small, they are: national debt, time deposit and large negotiable certificate of deposit.
C, according to the yield of wealth management products, the order is: foreign currency wealth management planning, futures and savings products.
D. According to the interest rate of wealth management products, the order is: fixed deposit, fixed term and current account.
6. Different financial plans have different forms of income. Among the following options, the common forms of rate of return for personal financial planning of commercial banks are: (ABCD).
A, fixed rate of return B, lowest rate of return C, expected highest rate of return D, floating rate of return
7. The following statement about the characteristics of each stage of the life cycle is true (BCD).
A. When the wealth management customers are in middle-aged maturity, their financial management strategies are the most conservative.
B, bank deposits are more suitable for customers in the juvenile growth period to deposit surplus consumption funds.
C. In the youth development period, the general financial management concept of wealth management customers is to pursue rapid capital accumulation.
D, customers in the pension period should pay attention to the stability of asset value rather than growth in financial management.
8. In the preparation before communication, the customer information that needs to be studied and collected is (ABD).
First, the customer's personality characteristics and family situation
B. Related problems and special needs of customers at present
C. Collecting information about wealth management products
D, master the knowledge related to the interests of customers.
9. When facing different customers, the following coping skills are appropriate (BCD).
A, for people who are silent, try to induce him to speak.
B. For those who are indecisive, the account manager should actively and confidently give him positive suggestions in public relations language, and use affirmative language.
C. For chronic people, you should not be impatient, anxious or put pressure on him. You should try your best to cooperate with his pace and prove and guide him in a down-to-earth manner.
D, for a suspicious person, let him know your sincerity or let him feel that you attach great importance to his problems.
10. The external environment that affects the development of personal finance mainly includes: (ABC).
A, social environment B, economic environment C, financial environment D, technical environment
Second physical examination test
1. True or false: 10 channels, 3 points for each channel, with a total score of 30 points.
(√) 1. Universal life insurance is a kind of life insurance with flexible premium payment and adjustable insurance amount.
(×)2. The surplus of insurance companies operating life insurance wealth management products mainly comes from the dead profit of premiums, spread profit and fee difference profit.
(×)3. If the asset allocation of a fund is maintained at the following level for a long time: 75% stocks, 20% bonds and 5% cash, it can basically be judged that the fund is a balanced fund.
(×)4. Compared with traditional insurance products, modern insurance products reduce the rate of return to a certain extent.
(√)5. Securities investment fund is an indirect way of securities investment.
(√)6. Closed-end funds can be traded at the market price in the stock exchange.
(×)7. Insurance products have investment functions that cannot be replaced by other investment and financial management tools.
(×)8. The manager shall bear the investment risk for the operating income of the fund.
(√)9. Pay attention to the long-term growth of funds, and emphasize that it is income-based funds that bring regular returns to investors.
(×) 10. The parties to an insurance contract are the subjects involved in concluding the contract, including the insurer and the beneficiary.
Second, multiple-choice questions: 10 channel, 3 points for each channel, with a total score of 30.
1. The biggest feature of personal insurance financing is to organically combine the function of insurance (c) with the function of capital appreciation.
A, social management b, financing c, basic guarantee d, risk management
2. For a retiree with a pension of only 654.38 million yuan and a millionaire with millions of assets, the situation is completely different, because they have different (A).
A. Actual risk tolerance B. Risk preference C. Risk dispersion D. Risk perception
3. Among the following financial assets, the order of risk from low to high is (A).
I. Bank deposits, government bonds, corporate bonds and stocks
B. Stocks, corporate bonds, national debt and bank deposits
C. Treasury bonds, bank deposits, stocks and corporate bonds
D. Treasury bonds, bank deposits, corporate bonds and stocks
4. In the investment-linked insurance, the profit and loss risk of the investment part shall be borne by (b).
A, insurer b, insured c, insurance company d, policyholder
5. Annuity insurance is a kind of (b) insurance product.
A, innovative life insurance B, traditional life insurance C, innovative non-life insurance D, innovative investment insurance
6. From the risk of personal securities wealth management products, the unique risk of bond wealth management products is mainly (D).
A. policy risk b, interest rate risk c, market risk d and default risk
7. (2) The fundamental role of individual securities financing.
A, avoid risks B, gain income C, liquidity D, convenience
8. The terms of the insurance contract are drawn up by the insurer in advance, and the insured only needs to fill in the application form, and the insurance contract is established after the insurer confirms it. Therefore, we say that the insurance contract is (b) contract.
A, Annex B, Conditional C, Compensatory D, Lucky.
9. For the stock-debt balance fund, the difference between the median allocation ratio of stock investment and the median allocation ratio of bond assets is generally not more than (D).
A, exceeding 10% b, 10% C, 5%- 10% d, 5%.
10. According to the legal form of funds, the funds currently established in China are (a) funds.
A contract b company c closed d open
3. Multiple choice questions: 10, each with 4 points, with a total score of 40. Multiple choice question: 10 channel, with 4 points, with a total score of 40.
1. The risk factors of bond investment are: (ABCD).
A, interest rate risk B, inflation risk C, default risk D, prepayment risk
2. The following statements about investment insurance products are incorrect:
A, the investment premium in the premium enters the savings account.
B the investment premium in the premium is operated by the fund management company (ABD).
C. The investment income of the investment premium belongs to the customer.
D, policy holders can't get dividends.
3. If customers want to force themselves to save some money through some financial management method, they will generally not choose (ACD).
A, property insurance b, whole life insurance c, fund d and stocks.
4. The following is life insurance (ABC).
A, life insurance b, accident insurance c, health insurance d, liability insurance
5. The following is the risk (AC) of insurance wealth management products.
A. Management risk B, default risk C, policy risk D and interest rate risk
6. The following are the characteristics of bonds and stocks. The wrong statement is (AD).
A, the rate of return will not affect B, all belong to securities C, all are financing methods D, and all have stipulated repayment periods.
7. The following (ABC) can be used as bond issuers.
A, the central government b, enterprise organizations c, financial institutions d, social organizations.
8. The following (ACD) does not belong to the characteristics of national debt investment.
A, high rate of return B, high safety C, tax-free treatment D, strong liquidity
9. When purchasing insurance wealth management products, the principles to be adhered to include (AB).
A, transfer risk B, do what you can C, the principal is safe D, and the income is high
10.(BDE) is an open-end fund.
A. The fund size remains unchanged. B. The fund price is calculated according to the net asset value of the fund.
C. Fund share D is generally traded on the exchange, and E can be redeemed, with unlimited duration.
The third physical examination test
1. True or false: 8 tracks, 4 points for each track, with a total score of 32.
(√) 1. The business activities of commercial banks in the foreign exchange market include buying and selling on behalf of customers and self-supporting business.
(×)2. Among foreign exchange wealth management products, floating income products refer to composite products that combine basic products such as savings and floating income products with interest rate options and exchange rate options, and embody such options in contracts.
(×)3. If USD appreciates 10% against JPY, JPY depreciates 10% against USD.
(√)4. In China, the indirect pricing method is not used to price the exchange rate.
(×)5. Option fee refers to the exercise price of the option.
(√)6. Customers selected by personal trusts are usually people with certain wealth accumulation.
(×)7. After the trust relationship is established, the trustee obtains the ownership of the trust property.
8. As long as you have legal capacity, you can be the beneficiary.
Second, multiple-choice questions: 8 questions, 4 points for each question, with a total score of 32 points.
1. A typical feature of personal foreign exchange structured deposit is (b) the right to terminate the deposit in advance.
Depositor b, bank c, agent d and a third party.
2. The following statements about real estate investment trust wealth management products are incorrect: (d)
First, real estate mortgage loans that can be invested.
B. The source of income includes the value-added income of the real estate itself.
C sources of income include real estate rental income.
D, generally there is a government financial guarantee.
3. Compared with commercial banks, among the following options, trust companies are in an advantageous position in personal financial services (B).
A, the possibility that trust products with obvious private placement nature are sold by banks is gradually shrinking.
B In principle, trust companies can invest in infrastructure, real estate projects, stocks, bills and other industrial and financial assets.
C. When issuing a collective fund trust plan, a trust company can't make a promise to customers to guarantee the principal security and expected income.
D Trust companies have limited influence and domestic residents know little about trust products.
4. Conservative investors with medium-sized funds can hand over the funds in (b) to the professional financial planning of the bank on the basis of savings and trust varieties.
a、20% B、30% C、40% D、50%
5. Two treasures are investors' (A) options.
A, sell B, buy C, choose D, and combine
6. The following statement about trust is incorrect: (c)
The trustee shall manage or dispose of the trust property in accordance with the agreed conditions.
The trustor is the legal owner of the trust property.
The beneficiary of the trust property can only be the principal himself.
D, the purpose of the trust should be possible to achieve or realize.
7. Personal firm foreign exchange transactions in China are transactions in (C).
A, between RMB and foreign currency b, between RMB and foreign currency c, between foreign currency and foreign currency d, between foreign currencies
8. Among foreign exchange wealth management products, (a) refers to the composite products that combine basic products such as savings and floating income products with interest rate options and exchange rate options, and embody such options in the contract.
A. Structured investment instruments B. Floating income products C. Firm foreign exchange transactions D. Option products
3. Multiple choice questions: 6 questions, 6 points for each question, with a total score of 36 points. Multiple choice questions: 6 questions, 6 points for each question, with a total score of 36 points.
1.(AC) can act as the trustee of the trust.
I. Professional trust and investment companies
B. Natural persons with limited capacity
A natural person with full capacity for civil conduct
D. Natural persons with only legal capacity
Is anybody there
2. The correct statement about trust is (CD).
A trustee may be the sole beneficiary of the same trust.
B, the client can't be the beneficiary.
Anyone who has the ability to sign a contract can become a trustee.
The trustee has the obligation to manage the trust property separately.
E, the client has the obligation to give up property rights.
3. The reasons for the foreign exchange market include (ACD).
A speculation B central bank intervention C trade investment D hedging
4. In the long run, the factors that affect the exchange rate trend include (BCD).
A, official intervention B, balance of payments C, inflation rate D, interest rate
5.(ABC) is the basic element of trust.
A. Trust behavior B. Trustee C. Trust purpose D. Trust rate of return E. Trust period
6. The following statement about foreign exchange options trading is correct (ABC).
A, the trading object of foreign exchange options is not the currency itself, but a right to buy and sell currency in the future.
B. The buyer of the option can decide whether to exercise the right according to the market situation.
C. The option seller shall bear the risk, fulfill the trading obligation and collect the option fee.
D, the option fee is generally paid in one lump sum on the expiration date of the option, which is non-refundable.
The fourth physical examination test
1. True or false: 13 channels, with 3 points for each channel and a total score of 39.
(√) 1. Generally speaking, an increase in market interest rates will lead to a downturn in the real estate market.
(×)2. The correlation of various asset returns will affect the expected return of the portfolio, but it will not affect the risk of the portfolio.
(×)3. The adoption of educational trust funds can prevent children from developing bad habits.
(×)4. A portfolio consists of 60% stocks, 20% bonds and 20% demand deposits. This combination is most suitable for middle age.
(×)5. Children's education savings belong to the short-term goal of financial management.
(√)6. Speculation for capital gains is one of the reasons why consumers at home and abroad buy houses.
(×)7. In China, the enterprise annuity payment is borne by the enterprise.
(×)8. Education can be divided into compulsory education and non-compulsory education according to different educational objects.
(×)9. A complete retirement plan includes two parts: post-retirement life design and self-raised pension savings investment design.
(√) 10. Area size is the most important factor affecting house prices.
(√) 1 1. Property management is an important guarantee for maintaining and increasing the value of houses. Without good property, there will be no good house.
(√) 12. Social security mainly refers to the pension social insurance plan organized by the government and the supplementary pension insurance plan organized by enterprises.
(×) 13. Compared with the repayment method of equal principal and interest, the repayment pressure of average capital is less.
Second, multiple-choice questions: 13, 3 points for each question, with a total score of 39.
1. Education savings is a savings item stipulated by the state, which is free of interest tax, with lump-sum deposit and withdrawal, and bears interest in the way of (d).
A, lump-sum deposit and withdrawal b, deposit withdrawal c, lump-sum deposit and withdrawal d, lump-sum deposit and withdrawal
2. According to China's economic affordability and the actual needs of China's education development, and referring to the historical level of relevant countries, by the end of the 20th century, the proportion of national fiscal education expenditure to GDP should reach (b), and the proportion of educational expenditure to annual fiscal expenditure should reach ().
a、4%、 10% B、4%、 15% C、5%、 12% D、5%、20%
3. At present, the repayment methods of housing loans adopted by domestic commercial banks are mainly equal principal and interest repayment method and (a).
A. average capital repayment method b, equal ratio repayment method c, proportional repayment method d and equal interest repayment method.
4. Since (b), China has gradually established a multi-level old-age insurance system.
A, 1990b, 199 1 year c, 1992d, 1993.
5.9 years ago, a 200-bed general hospital was built at a cost of 7.853 million yuan (excluding land, movable property and site improvement expenses). The construction cost index of this kind of real estate shows that the hospital construction cost has increased by 68.3% since 9 years ago, and the replacement cost evaluated by index adjustment method is: A.
A, 132 16600 yuan b, 5.363600 yuan c, 2.489400 yuan d, 10727200 yuan.
6. In order to control the overheated investment in the real estate market, (b) does not belong to the regulatory measures of the People's Bank of China.
A, issue a large number of central bank bills b, lower the benchmark mortgage interest rate c, increase the deposit reserve ratio d, and increase the down payment ratio of loans.
7. Generally speaking, the financial management concept of investors in (d) is to avoid the rapid loss of wealth, bear low risks and obtain guaranteed income at the same time.
A, juvenile growth period b, youth growth period c, middle-aged stability period d, retirement pension period
8. Employee's personal savings endowment insurance is an integral part of China's multi-level endowment insurance system, and it is a form of (c) insurance in which employees voluntarily participate and choose their own agencies.
A, basic B, auxiliary C, supplementary D, main
9. Due to the failure of business planning, the actual investment income is lower than the expected income or the investment fails. From the perspective of investment management, such risks are (b) risks.
A, system risk B, non-system risk C, non-dispersible risk D, financial risk
10. The independence of education finance is (d) the characteristic of education finance.
A, China b, Britain c, Japan d and the United States.
1 1. The general factors affecting urban land price refer to the macro factors that have (c) influence on the land price level of the whole society and region.
A, general B, specific C, decisive D, universality
12. According to the general idea of the country on the basic old-age insurance system, the target replacement rate of the basic old-age insurance in the future is (D).
a、28.50% B、38.50% C、48.50% D、58.50%
13. In order to ensure that customers have a self-reliant, dignified and high-quality retirement life in the future, the financial planning that needs to be actively implemented from now on is (b).
A, cash planning B, retirement planning C, investment planning D, risk management and insurance planning
Three. Multiple choice questions: 1 1, 2 points for each question, with a total score of 22. Multiple choice questions: 1 1, 2 points for each question, with a total score of 22.
1. The statement about equal principal and interest repayment method and average capital repayment method is incorrect (ACD).
A, according to the equal principal and interest repayment method, the proportion of principal in the monthly payment will gradually decrease.
B, according to the repayment law of average capital, the proportion of interest in monthly payment is decreasing step by step.
C, according to the equal principal and interest repayment method, reduce the monthly payment by stages.
D, according to the repayment law of average capital, the monthly contribution amount is equal.
2. In the following financial services, the role of (BCD) is not to alleviate the economic pressure brought by housing expenditure.
A. Home insurance B. Personal housing mortgage loan C. Provident fund loan D. Personal housing decoration loan.
3. Advantages of real estate investment include (ABD).
A, it has the function of diversifying investment; B, it can resist inflation; C, small personality differences, easy to operate; D, you can use financial leverage.
4. Real estate investment methods include: ABCD
A, real estate purchase b, real estate lease c, real estate trust d, real estate mortgage loan application.
5. The enterprise annuity plan can bring some benefits to the enterprise, which are shown in ABCD.
A, attract talents B, provide auxiliary functions for basic old-age insurance C, establish a good corporate image D, and bring tax incentives to enterprises.
6. The following statement about retirement planning is incorrect (BCD).
First, the plan should not start too late.
B. The schedule should be about five years.
C, information should be extremely conservative.
D, should be quite optimistic about investment and risk.
7. The following statement about the characteristics of endowment insurance is correct (AC).
First, the old-age insurance is to achieve the purpose of protection by means of social insurance.
B, the cost of endowment insurance is entirely borne by the unit and individual * * *.
C. The purpose of endowment insurance is to ensure the basic needs of the elderly and provide them with a stable and reliable source of life.
D Endowment insurance is one of the most important social insurances, and it is also a kind of commercial insurance in essence.
8. The difference between children's education investment and housing investment lies in (BC).
A. the amount is large; B, there is no time flexibility; C, the cost cannot be accurately predicted; D, affected by inflation.
9. The following statement about education investment planning is true (ABCD).
A, the cost of education cannot be accurately predicted in advance.
B, education investment planning scheme should pay attention to adjust according to the actual situation.
C, education investment planning should pay attention to communication with children.
D among children of different ages, they should choose not to use investment products.
10. The factor that should be considered when determining children's educational goals is (ABCD).
A, the characteristics of the school B, the level of tuition C, children's hobbies D, children's learning ability
The fifth physical examination test
1. True or false: 10 channels, 3 points for each channel, with a total score of 30 points.
(×) 1. Commercial banks should provide financial advisory services with standard service processes, reflecting the professional characteristics of financial advisory services.
(×)2. China does not levy individual income tax on income obtained by residents from abroad.
(×)3. Financial planning is a high-tech industry, and service attitude will not directly affect the level of financial services.
(×)4. The greater the circulation of collectibles, the greater the volume of the world.
According to the relevant laws of our country, it is illegal to collect cultural relics privately.
(√)6. Foreigners' insurance claims in China can be exempted from personal income tax.
(√)7. In China's current tax structure, the only tax with natural persons as taxpayers is personal income tax.
(×)8. After the bank wealth management personnel provide financial advisory services to customers, the rights and risks arising from the management and use of funds by customers according to financial advisory services shall be borne by both banks and customers.
(√)9. Personal tax planning is an important part of personal financial planning, and it is a low choice of tax burden within the scope permitted by law before tax obligation occurs.
(√) 10. Collectibles are usually appreciated assets.
1. Multiple choice question: 10 channel, 3 points for each channel, with a total score of 30.
1. The art market first appeared in the economically developed west, with a history of about (b) years.
a、200 B、250 C、300 D、350
2. China's ancient coin collection flourished after the reform and opening up, and the lifting of the ban on cultural relics transactions began in (a).
A, calligraphy and painting B, ceramics C, classical furniture D, ancient coins
3. The applicable tax rate range of individual income tax in China is (b).
a、5%~50% B、5%~45% C、5%~40% D、5%~35%
4. The process of standard personal financial planning includes the following steps: i. Collecting customer information and personal financial objectives; Integrate comprehensive financial planning strategies; Establish customer relationship; Fourth, analyze the current financial situation of customers; Implement and monitor financial planning. The correct sequence should be _ _ _ _ d _ _ _.
One, three, six, five, four, two.
B, three, one, four, five, six, two
C, three, five, two, one, six, four
D, three, one, four, two, five, six
5.(C) is a more appropriate method for financial planners.
First, modify and beautify their own practical experience
B, follow the customer's ideas for talks.
C, don't do income guarantee in investment planning.
D. ask questions through induced questions.
6. (1) It has always been the backbone of the art market.
A, enterprise investors B, state-owned enterprises C, government-owned institutions D, private collectors
7. Personal income tax shall be levied according to item _ _ _ _ _ for the labor dividends obtained by employees of the company from purchasing state-owned shares of the enterprise.
First, wage income is omitted.
8. Personal finance business is banking business based on (b).
A. legal agency relationship B. principal-agent relationship C. deposit business relationship D. loan business relationship
9. According to the basic provisions of China's tax rate, the proportional tax rate applicable to income from labor remuneration is (D).
a、5% B、 10% C、 15% D、20%
10. According to the relevant regulations of our country, the following personal income tax is (c).
A, debt interest b, insurance indemnity c, China Railway Construction Bond d, interest on education savings deposit.
3. Multiple choice questions: 10, each with 4 points, with a total score of 40. Multiple choice question: 10 channel, with 4 points, with a total score of 40.
1. The personal income tax in China adopts the tax rate table (AD).
Proportional tax rate
B. Full progressive tax rate
C. Excess progressive tax rate
D. Excess progressive tax rate
E. Fixed tax rate
2. The three most profitable investment projects recognized by the world include (ACD).
A, financial securities investment B, real estate investment C, insurance wealth management products investment D, art investment
3. The following are the characteristics of art investment (AB).
A, low risk B, free from political influence C, high income D and good liquidity.