Answers to Test Questions of Credit Information Competition in Colleges and Universities

The basic concept and theory of credit information contest 1. In ancient China, the earliest saying about credit investigation was that "a gentleman's words are a lost cause", which originated from C. A, Tao Te Ching B, The Analects of Confucius C, Zuo Zhuan D and Chunqiu 2, B refers to the activities of establishing credit files for enterprises and individuals by professional independent third-party institutions, collecting and objectively recording the credit information of enterprises and individuals according to law, and providing credit reports to the outside world according to law. A, Credit B, Credit C, Credit D, Credit 3. As a credit information service activity, what is the original intention of this credit information service activity? A: Guard against the risk of credit transactions. 4. The core of credit information is C. A, spouse information B, self-owned assets information C, debt information D, litigation information 5, credit report name B. A, economic express B, economic ID card C, economic brand D, all of which are 6. The credit information system records A's credit behavior. A, past B, present C and future D are all on it. 7. Credit investigation is the activity of D to establish credit files for enterprises and individuals, collect and objectively record the credit information of enterprises and individuals according to law, and provide credit reports to the outside world according to law. A, financial institutions B, guarantee companies C, local governments D, professional independent third-party institutions 8. In addition to market-oriented professional institutions, credit reporting agencies can also be a country. A, central bank b, commercial bank c, rural cooperative bank d, foreign banks 9. Contrary to the positive information, C refers to the information that in the past credit transactions, the loan was not repaid in full and on time, and various expenses have been paid. A default information b, overdue information c, negative information d, abnormal information 10, and information on credit transactions and normal performance in credit transactions obtained in the past refer to A.A. Positive information b, scoring information c, negative information d, basic information 1 1. In a transaction, the other party provides funds, goods or services to the other party on the premise of promising future repayment, which refers to negative information such as C.A. credit transaction B, barter transaction C, credit transaction D, service transaction 12, overdue repayment, etc. It is not always recorded in personal credit reports. According to international practice, most negative records are kept for d. A, 1 year b, 3 years c, 5 years d and 7 years 13. According to international practice, most bankruptcy records should be kept in d..a, 7 years B, 8 years C, 9 years D, 10 14. The following explanations about the retention period of negative records are incorrect: a. The retention period of negative records is calculated from the date when the loan is paid off, and is generally reserved for life. B, according to American practice, general negative information is retained for seven years, and bankrupt, particularly serious and obviously malicious negative information is retained for ten years. C. After the retention period expires, negative information will be deleted from the credit report. D China will also stipulate the retention period of negative records as soon as possible. 15. The information collected by credit reporting agencies includes: C. Personal deposit information B. Personal religious beliefs C. Credit information generated by individuals in economic and financial activities D. Sexual orientation 16. Information collected by credit reporting agencies does not include C. A. Credit information B. Non-bank credit information C. Personal deposit information and personal religious beliefs 17. Credit information mainly comes from institutions, courts and government departments that provide post-consumer payment. A. institutions providing loans B. People's Bank C. My work unit D. Public Security Bureau 18. Positive information refers to the credit transactions obtained by enterprises and individuals in the past and the information normally performed in credit transactions. Simply put, it is the information of corporate and individual loans and A.A. information of timely repayment B. information of repayment C. information of non-timely repayment D. None of the above is correct 19. Negative information refers to the information of enterprises and individuals in past credit transactions, that is, default information. A. The loan has been repaid. B. The loan has not been repaid in full and on time and various expenses have been paid. C. Various expenses D. Various loans and payment expenses 20. Credit transaction refers to the activities that enterprises and individuals, as one party to the transaction, provide funds, goods or services to each other on the premise of promising future repayment. The following are not credit transactions: D A. Commercial banks issue loans B. Enjoy services first and then pay C. Products are sold on credit D. Cash shopping 2 1. Which of the following is not a credit transaction? C A, the bank gives you a loan B, buys products on credit C, farmer A exchanges wheat for farmer B's corn D, and borrows money from friends 22. The following activities belong to credit transactions B.A. Buying stocks online B. Buying products on credit from merchants C. Buying funds from banks 23. The three well-known personal credit reporting agencies in the United States are D.A. Andersen's "loan policy" eBay, Huanlian B. eBay, Xerox, Aquifax C. Xerox, Huanlian, Aquifax D. eBay, Huanlian and Aquifax 24. The "loan policy" of commercial banks refers to the sum of various policies, measures and procedures of commercial banks to guide and standardize loan business, manage and control risks. The loan policy of commercial banks is the same. B, not the same; C, it depends on the bank leaders; D, related to the bank loan officer. 25. Will banks take the credit status of enterprise representatives as one of the contents when examining the loan applications of SMEs? C A, yes, because the business owner is the legal representative of the enterprise, and the enterprise is equivalent to the business owner. B, no, in practice, the owner's personal property and enterprise property are separated. C, yes, their personal behavior habits and credit status often determine the financial style and operating conditions of enterprises. D, no, in practice, their personal behavior habits and credit status have nothing to do with the operation of the enterprise.