1.
The "Commercial Bank Law" stipulates that the capital adequacy ratio of commercial banks (A).
A.
Not less than 8% B.
Not higher than 8% C.
Not less than 10% D.
Not higher than 10% 2.
Which of the following statements about commercial bank loans is incorrect (C).
A.
Commercial banks have the right to refuse any unit or individual to force them to grant loans or provide guarantees B.
Commercial bank loans should strictly examine the borrower's purpose of borrowing, etc. C.
If the borrower fails to repay the guaranteed loan when due, the commercial bank can only require the guarantor to return the deposit or the collateral will be repaid first, but cannot require the guarantor to repay interest D.
Commercial banks cannot use the borrowed funds to issue fixed asset loans or for investment 3.
The regulatory agency for auto finance companies is (B).
A.
People's Bank of China b.
Banking Regulatory Commission c.
China Securities Regulatory Commission D.
China Banking Association 4.
The member units of China Banking Association include (C).
A.
People's Bank of China b.
Banking Regulatory Commission c.
ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications D.
Central Huijin Company 5. On March 20, 2007, (D) was listed.
A.
Bohai Bank B.
Zhangjiagang Rural Commercial Bank C.
Bank of Shanghai d.
Postal Savings Bank of China 6.
According to the "Administrative Measures for Financial Leasing Companies", financial leasing companies mainly operate (D) business.
A.
Operating lease b.
Sublease C.
Lease D.
Financial leasing 7.
Economic growth refers to the growth of a country (or region) (C) within a specific period.
A.
Economic output b.
Resident income C.
Economic output and residents’ income D.
Economic income 8.
Price stability is to maintain the general stability of (D) and avoid high inflation.
A.
Producer price level B.
Consumer price level C.
Gross Domestic Product 9.
The consumer price index, which is most commonly used to measure inflation, refers to the change in prices of a group (B) of goods.
A.
Wholesale of factory products B.
Relevant to residents’ lives C.
Relevant to production and consumption D.
Export and import 10.
The promotion effect of financial market development on commercial banks does not include (B).
A.
Can directly promote the business development and operation management of commercial banks in many aspects B.
When a bank goes public and issues stocks, the prices of its stocks and bonds will affect the operation and management of commercial banks, and in particular may lead to short-term behavior of bank managers C.
Provides reference standards for commercial banks' customer evaluation and risks D.
The money market and capital market can provide commercial banks with a large number of risk management tools and transfer risks through normal transactions in the market 11.
The central bank sells a large amount of securities to commercial banks in the market, thereby reducing the excess deposit reserves of commercial banks, causing a reduction in the money supply and an increase in market interest rates. The monetary policy tool used by the central bank is (A).
A.
Open market business B.
Open market operations and deposit reserve ratio C.
Open market operations and interest rate policy D.
Open market operations, deposit reserve ratio and interest rate policy 12.
Banks should adopt the assessment method (D) when conducting customer credit ratings.
A.
Qualitative analysis b.
Quantitative analysis c.
Mainly qualitative analysis, combining qualitative analysis with quantitative analysis D.
Mainly quantitative analysis, combining quantitative analysis with qualitative analysis 13.
my country's current personal housing loan interest rate (B).
A.
Relax the lower limit and implement upper limit management B.
Relax the upper limit and implement lower limit management C.
Both upper and lower limits are released D.
Implement upper and lower limit management 14.
(C) Also called syndicate loan.
A.
Project loan b.
Working capital revolving loan C.
Syndicated loan D.
Trade finance loans 15.
(B) refers to the act of a bank financing bills under a letter of credit or export collection with recourse by virtue of obtaining the pledge rights of shipping documents.
A.
Import bill transfer B.
Export bill C．
Factoring D.
Forfeiting D.
Overall price level 16.
From the essence of business operations, forfaiting is (C).
A.
Guaranteed agency b.
Bank guarantee c.
Discounting forward bills D.
Pledge loan 17.
The object of issuance of short-term financing bills is (B).
A.
Institutional investors in the exchange market B.
Institutional investors in the interbank bond market C.
Individual investors in the exchange market D.
State-owned large and medium-sized enterprises 18.
Financial institutions issuing financial bonds in the inter-bank market must obtain administrative permission from (B).
Do you want to close the fund as soon as it is good?