1. In the personal housing loan business, the "guarantee magnification" of the guarantee company refers to ().
A, the proportion of the guarantee company's own paid-in capital and external guarantee balance.
B the proportion of the guarantee balance provided by the guarantee company to its paid-in capital.
C the ratio of the total assets of the guarantee company to the external guarantee balance.
D, the proportion of the guarantee balance provided by the guarantee company to its total assets.
Correct answer: b
Analysis: The guarantee magnification is the multiple of the balance provided by the guarantee company and its paid-in capital.
2. The main means of post-loan inspection does not include ().
A. Monitor the loan account and inquire about the subsidiary ledger of non-performing loans.
B. Spot check of non-performing loans
C. Telephone interviews and face-to-face interviews
D, on-site inspection, monitoring the use of funds
Correct answer: b
Analysis: The main means of post-loan inspection include monitoring loan accounts, inquiring the detailed account of non-performing loans, telephone interviews, face-to-face interviews, on-site inspections, and monitoring the use of funds.
3. When handling individual housing loan transfer. If the borrower entrusts another natural person as an agent, the agent does not need to hold the certificate or material ().
My identity document.
B. the identity document of the borrower
C. power of attorney of the borrower
D. Loan application form
Correct answer: D.
4. The following statement about the Interim Measures for the Administration of Basic Data of Personal Credit Information is wrong ().
A, it is clear that the personal credit database is a national unified personal credit information sharing platform established by commercial banks organized by the People's Bank of China.
B, stipulated the principle of personal credit information confidentiality.
C, specifies the scope and method of personal credit information collection by personal credit database.
D stipulates that commercial banks and credit service centers should combine their own subjective judgments when collecting information.
Correct answer: D.
Analysis: The Interim Measures for the Management of Basic Data of Personal Credit Information stipulates the objectivity principle of personal credit information, that is, the information collected by the personal credit database is the original record of personal credit transactions, and commercial banks and credit service centers are not allowed to add any subjective judgment.
5, the national student loan belongs to ().
I. Personal consumption loans
B. Personal consumption line loan
C. Special loans
D. Personal secured loans
Correct answer: a
Analysis: According to the different nature of loans, personal education loans are divided into national student loans and commercial student loans.
6. If the borrower violates the loan contract and fails to repay the loan principal and interest as agreed, the collection measures generally taken by the loan bank do not include ().
A, within 30 days after the deadline, select SMS, telephone and letter for collection.
B if the repayment obligation is not fulfilled within B.90 days, an early repayment notice shall be issued.
C. If the prepayment notice fails to fulfill the repayment obligation, an agreement will be reached with the borrower on the disposal of collateral.
D if the payment is overdue for more than 180 days, bring a lawsuit against the borrower who refuses to repay the loan.
Correct answer: a
7. According to the Interim Measures for the Administration of Personal Loans, the lender shall establish and strictly implement the loan () system. If the loan () is issued through the electronic banking channel, the lender should at least take effective measures to determine the true identity of the borrower.
I. Interview and low-risk housing loan
B. Face-to-face, low-risk housing loans
C, interview, low-risk pledge loan
D. Face-to-face signing of low-risk pledged loans
Correct answer: C.
Analysis: The loan investigation should be based on field investigation, supplemented by indirect investigation, and adopt ways and methods such as on-site verification, telephone inquiry and information consultation. The lender shall establish and strictly implement the system of loan interview, face-to-face signing and home visit. Where low-risk pledged loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.
The lender shall establish and strictly implement the loan interview system. Before the loan, the investigators should know the basic information of the loan applicant, the purpose of the loan and other contents that the investigators think should be investigated through interviews, learn as much information as possible that will affect the customer's repayment ability, and verify whether the personal information involved in the application materials is consistent with the statements of the interviewers.
8. If a commercial bank inquires about personal credit reports in violation of regulations, it shall be ordered to make corrections, and a fine of not less than () ten thousand yuan but not more than () ten thousand yuan shall be imposed.
a、 1，2
b、 1，3
c、2、3
d、2、4
Correct answer: b
Analysis: If a commercial bank inquires about a personal credit report in violation of regulations, it will be ordered to make corrections and be fined between 654.38 million yuan and 30,000 yuan.
9. The Regulations on the Management of Housing Provident Fund stipulates that the deposit ratio of housing provident fund for employees and units shall not be lower than the average monthly salary of employees in the previous year ().
A: 3%
B, 5%
c、7%
d、 10%
Correct answer: b
Analysis: Article 18 of the Regulations on the Management of Housing Provident Fund.
10. When the credit information service center considers the information submitted by a commercial bank suspicious and issues a review notice to the commercial bank, the commercial bank shall give a reply within () working days from the date of receiving the review notice.
Answer, 5
b、 10
c、 15
Ahau
Correct answer: a
Analysis: When the credit service center considers the information submitted by the commercial bank suspicious and issues a review notice to the commercial bank, the commercial bank shall give a reply within 5 working days from the date of receiving the review notice.
1 1. The fraud risk of real estate developers and intermediaries is mainly manifested as "fake personal loans". The "fake" of "fake personal loan" does not mean ().
First, the fictitious purchase behavior makes it have a "realistic" appearance.
B, do not have the real purpose of buying a house
C all the assets of the borrower are insufficient to purchase the house at one time.
Forge borrower information or other relevant information
Correct answer: C.
Analysis: The so-called "fake personal loan" generally means that the borrower does not have the real purpose of buying a house and takes various means to obtain personal housing loans from the bank. The "fake" of "fake personal loan" means that it has no real purpose of buying a house; Second, the fictitious purchase behavior is its "real" appearance; The third refers to fabricating borrower information or other relevant information.
12, the following understanding about the brand of commercial banks is wrong ().
A. Brand is the core competitiveness of banks.
B, brand is a symbol that makes a bank stand out from the industry.
C, the change of bank president has a significant impact on the brand.
D. Brand is a powerful tool for banks to maintain their competitive advantage.
Correct answer: C.
Analysis: Brand is the core competitiveness of a bank, and it is a sign that a bank stands out among its peers. With this logo, even if the brand manager leaves, even if the president changes, it will have little impact on the bank's brand.
13. If the commercial student loan is guaranteed by a third party, the guarantor shall bear ().
I. Revocable joint and several liability
B. Irrevocable joint liability
C, revocable general liability
D. Irrevocable general liability
Correct answer: b
Analysis: Article 17 of the Measures for the Administration of Commercial Student Loans: If the commercial student loan is guaranteed by a third party, the guarantor shall bear irrevocable joint and several liabilities.
14, in the personal car loan, the statement that the insurance company performs the role of guarantee insurance is correct ().
A performance guarantee insurance can cover global loan risks.
B, it plays a great role, and can relieve all worries of loan banks.
C. The scope of liability of guarantee insurance includes loan principal and interest, liquidated damages, damages and expenses for realizing creditor's rights, etc.
D, the insurance company can use the exemption clause not to bear the insurance liability.
Correct answer: D.
15. The loan amount of commercial housing usually does not exceed the value of the purchased or rented commercial housing (). The specific loan amount shall be determined by commercial banks independently according to the relevant principles of loan risk management.
A: 50%
B, 55%
c、60%
d、70%
Correct answer: a
Analysis: The loan amount of commercial housing usually does not exceed 50% of the value of purchased or rented commercial housing, and the specific loan amount is determined by commercial banks independently according to the relevant principles of loan risk management.
16. From the practice of existing individual housing loans and auto loans, it is very important to strengthen the risk management of individual loan cooperative institutions. The main risks that cooperative institutions may bring to lending banks do not include ().
A. Fraud risk of real estate developers
B. Fraud risk of intermediaries
C. Guarantee risks of guarantee companies
D, the dealer's business risk
Correct answer: D.
Analysis: The main risks that cooperative institutions may bring to lending banks include: 1, the fraud risk of real estate developers and intermediaries; 2. Guarantee risks of guarantee companies; 3. Risks of other cooperative institutions.
17. When the affiliation, nature, name and address of the borrower and the guarantor change, they shall notify the lending bank in advance () and sign a revised loan contract and guarantee contract with the lending bank.
Answer: 5 days.
B, 10 days
C.20 days
D.30 days
Correct answer: D.
Analysis: In personal commercial housing loans, when the affiliation, nature, name and address of the borrower and the guarantor change, they should notify the lending bank 30 days in advance and sign a revised loan contract and guarantee contract with the lending bank.
18. Personal investment and business loans issued by China Bank belong to ().
I. Personal consumption loans
B. Personal investment loans
C. Personal commercial loans
D. Personal secured loans
Correct answer: C.
Analysis: Personal business loans refer to loans issued by banks to individuals, which need guarantees to meet the liquidity needs of production and operation, such as personal investment and business loans of China Bank and personal business loans of China Construction Bank.
19, the Measures for the Administration of Auto Loans stipulates that the amount of first-hand auto loans granted by the lender shall not exceed the price of the car purchased by the borrower ().
A: 50%
b、70%
c、80%
d、90%
Correct answer: C.
Analysis: Article 22 of the Measures for the Administration of Automobile Loans stipulates: "The amount of loans for personal use by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The amount of used car loans issued shall not exceed 50% of the price of the car purchased by the borrower. "
20. The following statement about prepayment in personal car loan is wrong ().
The borrower shall submit an application for prepayment to the bank.
B, prepayment improves the security of bank loans, so banks don't charge any fees.
C the borrower's loan account has no default of principal and interest and other expenses.
The borrower shall repay the current loan principal and interest before prepayment.
Correct answer: b
Early repayment refers to the behavior that the borrower proposes to repay part or all of the loan in advance to the loan bank when he has certain repayment ability. Early repayment includes early partial repayment and early settlement. The borrower can decide the way of prepayment according to the actual situation.
Analysis: Generally speaking, the basic agreements of prepayment banks are as follows: the borrower submits an application for prepayment to the bank; The borrower's loan account has no arrears of principal and interest and other expenses; Early repayment belongs to the borrower's breach of contract, and the bank will charge liquidated damages according to regulations; The borrower shall repay the current loan principal and interest before prepayment.
2 1. The following statement about interest rate is incorrect ().
A, interest rate is an indicator to measure the level of interest.
B, interest rate is the ratio of interest to principal in a certain period.
C interest rate is the price of borrowing money or the reward of borrowing money.
D in real life, the interest rate department exists in a specific form.
Correct answer: C.
Analysis: The loan interest rate is the price that the borrower pays to the bank in order to obtain the right to use monetary funds, and the interest is the reward that the monetary owner gets from the borrower for temporarily transferring the right to use certain monetary funds, which is actually the "cost" of the borrowed funds. The level of interest is expressed by the size of interest rate.
Interest rate is the ratio of interest amount to principal in a certain period, and the formula is: interest rate = interest amount/principal, which is an index to measure interest level, sometimes called the price of monetary funds. In real life, the interest rate department exists in a certain form, such as deposit interest rate and 1 year deposit interest rate.
22, personal housing renovation loans can be used to pay the money does not include ().
A. purchased household appliances
B. Family decoration construction funds
C, maintenance engineering construction.
D, related decoration materials and kitchen and bathroom equipment
Correct answer: a
Analysis: Personal housing decoration loan can be used to pay the construction cost of home decoration and maintenance projects, related decoration materials and kitchen and bathroom equipment.
23. The following statement about national student loans and commercial student loans is correct ().
A, national student loans need to provide guarantee, commercial student loans do not need to provide guarantee.
B, national student loans and commercial student loans need to provide guarantees.
C, national student loans do not need to provide guarantees, and commercial student loans need to provide guarantees.
D, national student loans and commercial student loans do not need to provide guarantees.
Correct answer: C.
Analysis: Student-origin student loan is a kind of credit loan. Students do not need to apply for loan guarantee or mortgage, but they need to repay on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school to handle the national student loan.
Commercial student loans are based on the principle of "partial self-financing, effective guarantee, earmarking and timely repayment".
24, commercial student loans, the main content of the borrower after the loan inspection does not include ().
A. Does the borrower repay in full and on time?
B. Is there any change in the domicile and telephone number of the borrower?
C. Is the borrower married?
D. Are there any emergencies that may affect the borrower's repayment ability or willingness?
Correct answer: C.
Analysis: The main contents of the borrower's post-loan inspection include: whether the borrower repays in full and on time; Whether the domicile and telephone number of the borrower have changed; Whether there are unexpected events that may affect the borrower's repayment ability or willingness, such as major economic disputes, litigation or arbitration procedures, the borrower's physical condition deterioration or sudden death, etc.
25, the following does not belong to the characteristics of personal loans is ().
A. there are many types of loans and wide uses.
B. Loan facilities
C. Flexible repayment methods
D. Low interest rates
Correct answer: D.
Analysis: the characteristics of personal loans include many types of loans and wide uses; Loan facilities; Flexible repayment methods, etc.
26. The following certificate of rights () cannot be used as the pledge of individual housing loans.
I. Certificate-type treasury bonds issued by the Ministry of Finance
B, national key construction bonds
C. financial bonds
D. houses
Correct answer: D.
Analysis: If the personal housing loan is secured by pledge, the pledge can be securities such as voucher-type treasury bonds, national key construction bonds, financial bonds, corporate bonds that meet the requirements of the lending bank, corporate certificates of deposit, personal certificates of deposit and so on.
27. According to Michael Porter's competitive strategy theory, the foothold of () is to retain old customers.
First, cross-marketing strategy
B, hierarchical marketing strategy
C, mass marketing strategy
D, single marketing strategy
Correct answer: a
Analysis: The foothold of cross-marketing is not to win new customers, but to spend time on retaining old customers. The more products customers have in the bank, the greater the chance of being retained.
28. In the commercial student loan, when the work unit and communication mode of the borrower and the natural person witness change, the borrower shall notify the loan bank () days in advance.
a、 10
b、 15
c、20
d、30
Correct answer: D.
Analysis: In the commercial student loan, the borrower should notify the loan bank 30 days in advance when the work unit and communication mode of the borrower and the natural person witness change.
29, personal consumption loans refers to the bank loans to individuals for consumption, the following statement about loans is wrong ().
A, personal medical loans are generally handled by loan banks and insurance companies in conjunction with local special cooperative hospitals.
B, personal car loans to buy vehicles can be divided into new cars and used cars according to registration.
C. National student loans refer to commercial loans independently issued by banks to individuals to finance tuition fees, accommodation fees and basic living expenses of students in domestic institutions of higher learning.
D. Personal consumption line loans refer to RMB loans issued by banks to individuals for consumption, which can be recycled within a certain period and line.
Correct answer: C.
Analysis: The national student loan is a loan issued by a commercial bank designated by the state to undergraduates (including higher vocational students), postgraduates and students with second bachelor's degrees in full-time ordinary colleges and universities to help them pay tuition fees and daily living expenses during their school days. The education department sets up a "special account fund for student loans" to give financial discount. Commercial student loans refer to commercial loans granted by banks to individuals in accordance with commercial principles to finance tuition, accommodation and basic living expenses of poor students in domestic universities.
30, commercial housing loan cooperative risk prevention and control measures do not include ().
A, strengthen the audit of developers and cooperative projects.
B. strengthen the access management of cooperative institutions such as valuation institutions.
C, choose as many cooperative institutions as possible to spread risks.
D. business cooperation should not rely too much on cooperative institutions.
Correct answer: C.
Analysis: There are three measures to prevent and control the risks of commercial housing loan cooperative institutions: (1) Strengthen the audit of developers and cooperative projects; (2) Strengthen the access management of evaluation agencies, real estate brokers, law firms and other cooperative institutions; (3) Don't rely too much on cooperative institutions for business cooperation.
3 1. New employees shall pay the housing accumulation fund from the first () month of employment.
a、 1
b、2
c、3
d、6
Correct answer: b
32. The Credit Information Service Center shall conduct internal verification within () working days after receiving the objection application.
A, 2
b、3
c、4
d、5
Correct answer: a
Analysis: The Credit Information Service Center conducts internal verification within 2 working days after receiving the objection application.
33, a school student to a commercial bank to apply for personal education loans, because during the school was expelled from the school, illegal loan risk belongs to ().
A. the risk of the borrower's willingness to repay
B, the borrower's repayment ability risk
C. the borrower's fraud risk
D, the borrower's behavior risk
Correct answer: D.
Analysis: The borrower's behavioral risk means that the borrower may be punished for violating rules and laws, such as being expelled from school, failing to get a diploma or degree certificate due to poor academic performance, and failing to find a job after graduation.
34. At present, the most common personal loan marketing channels of banks do not include ().
I. Marketing of cooperative units
B. Network marketing
C, online banking marketing
D, door-to-door visit marketing
Correct answer: D.
Analysis: From the current situation, the most common personal loan marketing channels of banks mainly include cooperative agency marketing, network agency marketing and e-banking marketing.
35, provident fund personal housing loan interest rate policy is ().
First, low in and low out
B, low into the higher
C, AG is low.
D, AG is higher.
Correct answer: a
Analysis: The personal housing loan of provident fund is not for profit, and the interest rate policy of low in and low out is implemented.
36. The marketing cost of the selected market segment is economical, the market scale is reasonable, and commercial banks are profitable in this market, which refers to the principle of market segmentation ().
I. Measurability
B. Accessible
C. differences
D. economy
Correct answer: D.
Analysis: The principle of economy means that the marketing cost of the selected market segment is economical, the market scale is reasonable, and commercial banks are beneficial to the profit in this market.
37, individual customers unified credit management should follow the principle does not include ().
First, unified management
B, dynamic management
C, comprehensive calculation
D, classified management
Correct answer: D.
38, for the approval of personal mortgage credit loans, the correct process is (). ① Fill in the contract; (2) apply for expenses; (3) review the contract; (4) mortgage registration procedures; ⑤ Sign a contract; ⑥ Support and recognition; ⑦ Relevant texts, voucher signing and loan issuance; 8 expenditure review
a、④①②③⑤⑥⑧①
b、①③⑤④②⑧⑥⑦
c、①④③⑤②⑧⑥
d、4①③⑤②⑧⑥
Correct answer: b
Analysis: For the approved personal mortgage credit loan, the lending process is generally as follows: fill in the contract → review the contract → sign the contract → go through mortgage registration procedures → apply for lending → review lending → approve lending → sign relevant documents and vouchers and issue the loan.
39. When handling personal education loans, the operational risks faced by the acceptance and investigation links do not include ().
A. The loan applicant uses a fake ID card to defraud the loan.
B. Authenticity of the materials submitted by the loan applicant
C. For commercial student loans, the loan applicant's guarantee measures are sufficient and effective.
D. Whether the loan business is compliant and whether the business risks and benefits match.
Correct answer: D.
Analysis: The acceptance and investigation of the loan is an important link in the process of personal education loan, and the risks in this link mainly lie in the following aspects: whether the subject qualification of the loan applicant meets the relevant provisions of the bank's personal education loan; The authenticity of the materials submitted by the loan applicant, including whether the borrower's identity is true, whether the poverty certificate is true and effective, and whether the results are excellent. ; For commercial student loans, whether the loan applicant's guarantee measures are sufficient and effective, including whether the mortgage ownership is legal, true and effective, whether the authorization of the mortgage owner or the owner is verified, and whether the third-party guarantor has the guarantee qualification and ability; Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required; Instruct the borrower to make up a plot to get a loan, etc.
40, bank marketing organization usually has a variety of models, when the product market can be divided, that is, each different market segment has different consumer groups with different preferences, the most suitable marketing organization model is ().
I. Product Marketing Organization
B, regional marketing organization
C, functional marketing organization
D, market-oriented marketing organization
Correct answer: D.
Analysis: Market-oriented marketing organization: When the market of products can be divided, that is, when each different sub-market has different consumer groups with different preferences, this marketing organization structure can be adopted.
4 1. After the lender and the mortgagor sign the mortgage contract, both parties shall register the mortgaged property according to the relevant laws and regulations, and the mortgage contract shall take effect from ().
I. Date of signing the contract
B, the date of establishment of the contract
C, the date of registration of collateral
D. Date of delivery of collateral
Correct answer: C.
Analysis: After the lender and the mortgagor sign the mortgage contract, both parties shall register the mortgaged property according to relevant laws and regulations. The mortgage contract shall take effect from the date of registration of the collateral and shall be terminated when the borrower pays off all the loan principal and interest.
42, in the personal housing loan business, the main business risk control points of the loan approval link do not include ().
First, the examination and approval is not carried out according to the principle of independence and impartiality.
B. Failing to examine and approve loans as authorized, resulting in granting loans beyond authorization.
C, examination and approval personnel to review the corresponding content is lax, resulting in loans to unqualified borrowers.
The contract signed with the borrower is invalid.
Correct answer: D.
Analysis: "The contract signed with the borrower is invalid" is the characteristic of signing risk.
43. According to the Interim Measures for the Administration of Personal Loans, the cumulative extension period of personal loans within one year (inclusive) shall not exceed ().
One or six months
B, 1 year
C, 2 years
D, 3 years
Correct answer: b
Analysis: Article 39 of the Interim Measures for the Administration of Personal Loans may be extended with the consent of the lender. For personal loans within one year (inclusive), the extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.
44. After the individual housing loan contract is filled in correctly, the lender shall sign a contract with the borrower and guarantor. The following statement about contract signing is incorrect ().
A. If the guarantor is a legal person, the signatory of the guarantor shall be a senior manager within the legal person.
B if the borrower and the guarantor are natural persons, the identity certificate of the signatory shall be verified in person and signed by the signatory on the spot.
C. If the signatory entrusts others to sign on his behalf, the signatory must issue a notarized power of attorney from the principal.
D before signing the relevant contract, the lender shall fulfill the obligation of full disclosure.
Correct answer: a
Analysis: Before signing the relevant contract text, the borrower and the guarantor should be fully informed of the contract contents, rights and obligations, repayment methods and problems that should be paid attention to in the repayment process; If the borrower and guarantor are natural persons, the identity certificate of the signatory shall be verified in person and signed on the spot; If the signatory entrusts others to sign on his behalf, the signatory must issue a notarized power of attorney from the principal. If the guarantor is a legal person, the signatory of the guarantor shall be its legal representative or its authorized agent, and the authorized agent shall provide valid written authorization documents.
45. If you apply for a personal credit report, you must verify the identity of ().
I. Enterprises
B. individuals
C. Applicant
D. Approver
Correct answer: C.
46, personal pledge loans are generally handled in ().
A. counter
B, online
C, the applicant unit
D. Pledge notary office
Correct answer: a
Analysis: Personal pledged loans are generally handled at the counter and approved according to the authorized scale of outlets. It is easy and efficient to verify the pledge loan with the certificate of rights issued by peers.
47. According to the Interim Measures for the Administration of Personal Loans, the lender shall recover the loan principal and interest in accordance with the loan contract. For the loan that is not repaid according to the loan contract, the lender shall take measures to collect it, or ().
First, private sale
B. filing for bankruptcy
C, public auction
D. Agreement reorganization
Correct answer: D.
Analysis: The lender should recover the loan principal and interest according to the loan contract. For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement.
48, the bank before signing the "commercial housing sales loan cooperation agreement" with developers, to conduct a comprehensive review of real estate developers and their projects, the review content does not include ().
A, the average education level of the developer's employees
B, the project's own funds in place
C, the developer's credit and operating conditions
D, understand the housing sales prospects
Correct answer: a
Analysis: Before signing an agreement with the developer, the bank should conduct a comprehensive review of the real estate developer and its development projects, including the review of the developer's credit standing and operating conditions, the legality of project development and sales, the availability of the project's own funds and the understanding of the housing sales prospects. After the relevant approval is passed, a contract shall be signed with the developer according to the regulations, and the cooperation matters between the two parties shall be clarified, such as the total loan amount, the limit of a single loan, the margin ratio, the rights and obligations of both parties, etc.
49. Accurately grasping the operation process of personal loan business can effectively avoid loan risks. The following link does not belong to the loan operation process is ().
A. Acceptance and investigation
B. review and approval
C. issuance
D, loan recovery management
Correct answer: D.
Analysis: The operation process of personal loan business includes acceptance and investigation, examination and approval, signing and issuance, payment management and post-loan management.
50. The term of commercial housing loan usually does not exceed () years.
Answer, 5
b、 10
c、 15
Ahau
Correct answer: b
Analysis: The loan term of commercial housing usually does not exceed 10 year.