2012Banking personal loan. Fifth chapter prediction test

The fifth chapter personal auto loan

A, single choice

1Personal auto loan business. An important feature not included ().

AAs one of the main contents in the field. The automobile finance service, occupy a space for one person in the car industry and car market

B. has a close connection with the various industry mechanism of automobile market

CLoan amount is not large, mostly belonging to the long-term loans

DRisk management is relatively large

2On the principle of personal loans, the following statements are correct ().

APersonal auto loan"Set the security, classification management, special use"Principle

B．"Set the security"Refers to the borrower to apply for individual car loans must purchase the car as collateral

C．"Classification management"In accordance with loans to buy vehicle types and different purposes, different loan conditions on personal auto loan

D．"Specific use"Personal loans for the borrower to buy special automobile, does not allow for other purposes

3The following code"- type"Personal auto loan mode parlance, the error is ().

A．"- type"Mode of operation in the current personal auto loan market dominant

BIn simple terms,"- type"Operation mode is"The first loan, after the purchase of a car"

CSince the distributor or the third party. In the loan process is taking a risk and pay a certain amount of manpower and material resources, so they tend to charge a certain percentage of the management fees or charges

DThe model involves third parties including the insurance company, Guarantee Corporation

4．"Straight type"Personal auto loan customer marketing process for the ().

ATo fill in personal loans. The bank loan application--Credit investigation to customer bank--Bank loan approval--The customer signed loan contract with the bank--Customers to the dealers selected vehicle and purchase a car to the bank to pay the first payment--The car, on the bank and mortgage registration to a bank loan--Provide vehicle

BCustomers to dealers selected vehicle and purchase a car to the bank to pay the first payment--Credit investigation to customer bank--To the bank outlets to fill in personal loan application form--The customer signed loan contract with the bank--The car, on the bank and mortgage registration--Bank loan approval--Bank lending--Provide vehicle

CCustomers to dealers selected vehicle and purchase a car to the bank to pay the first payment--To the bank outlets to fill in personal loan application form--Credit investigation to customer bank--Bank loan approval--The customer signed loan contract with the bank--The car, on the bank and mortgage registration--Bank lending--Provide vehicle

DBanking outlets. To fill in personal loan application for credit investigation on a bank customer book--Bank loan approval one one customers to the dealers selected vehicle and purchase a car to the bank to pay the first payment--The customer signed loan contract with the bank--The car, on the bank and mortgage registration--Bank lending--Provide vehicle

5．2009Years5Month1Day, yellow for the purchase of a second-hand car to the bank to apply for a personal car loan. Assessment of the relevant agencies, the present value of the car's90Million yuan, is Miss Daisy can obtain the maximum loan amount for the () million.

A．36

B．45

C．63

D．72

6. the focus of pre loan investigation does not include ().

AThe consistency of the survey materials

BInvestigation of the borrower. Identity, credit, economic status and use of the loan

CIn the way of security

DCredit investigation automobile dealers

7. is not correct the following approval about personal car loan accounts ().

AAt the loan approval should be according to review signed approval, not agree to loan, shall state the rejected reason

BApproval of the need to supplement the materials. Then after, should specify the need to add material name and content

CFor consent or conditionally agreed to loan, such as loan conditions and declare the loan plan approval content inconsistent, should adjust ideas clear

DAt the loan approval signed approval, approval form together with the relevant materials shall be properly documented

8Personal auto loan. Before, shall implement the relevant loan conditions, the following conditions for granting, incorrect is ().

AThe natural person as a guarantee, should be clear and the implementation of specific operating procedures to ensure the responsibility

BOn arrival (quality). Take charge and mortgage guarantee plus guarantee loans, to implement the loan (matter) and procedures

CThe need for insurance, notary. Such procedures, the relevant formalities shall be completed within the specified period in obtaining loans

DThe first payment. Ensure that the borrower has paid in full or in place

9Personal auto loan. The loan period, the borrower shall continue in accordance with the provisions of the bank loan for the vehicle insurance loans purchased the vehicle purchase designated insurance, and the insurance policy clearly first beneficiary ().

ABorrower

BGuarantee

CLoan bank

DThe specified object

10The following. Recovery about personal car loan accounts, the error is ().

ALoan recovery refers to the borrower according to the loan contract agreed repayment, repayment time, repayment of the loan principal and interest in full

BLoan payment methods are of entrustment and counter repayment in two ways

CCan be selected. The borrower repayment of a contract, also can according to the specific conditions in the loan period of change

DLoan recovery principle is to accept this, after collecting interest, all due, with the benefit of clear

11For personal auto loan loan modification and rescission of contract claims, the error is ().

AThe borrower repayment deadline. In death, death declaration, the declaration of a missing or incapacitated, without heirs or legatee, or the heir, legatee refuse to perform a contract for loan of money, no bank loans to recover the loans, the bank suffered unexpected losses

BWhen people lose. Ensure the assurance ability or guarantor bankruptcy, merger, separation occurs, the borrower shall notify the bank loan in a timely manner, and to provide the bank approved loans secured

C. for arrival (quality) and the change of registration, should be to the original arrival (quality) and the registration department to change against (quality) and registration and other related procedures

DIn accordance with the law. A contract for loan of money needs to change or cancel, must be approved by the lending agreement, negotiation is not reached before the loan contract shall continue to be valid

12Personal auto loan. The loan period (including the extension shall not exceed () years).

A．3

B．4

C．5

D．6

13In our country, () is a personal loan credit risk causes large.

APeople lack the spirit of good faith

BPersonal credit system is not perfect

CPersonal loan program is not reasonable

DBank management is not standard

14To meet the conditions of the loan customers, as the capital turnover are cyclical, based on accurate grasp of the repayment ability, can also choose the monthly interest, scheduled principal repayment methods, but the repayment of the borrower must in the loan after the occurrence of the () month first loan repayment the principal.

A．2

B．3

C．4

D．5

15At banks in handling personal auto loan business, the credit risk prevention and control measures do not include ().

A. authenticity review client information

BDetailed investigation of the repayment ability of customers

CAnd dealers to strengthen cooperation, only accept his trusty dealers to provide customer information

D. scientifically and reasonably determine the customer repayment

16The following about personal car loans, bank risk may exist in the cooperation with the insurance company, the expression is not correct is ().

AEnsure that insurance coverage includes the loan principal and interest, liquidated damages, damages and achieve debt costs, guarantee insurance liability limitation creates the risk gap

BCooperation agreement. Effect of bancassurance is still to be confirmed, bank risk reduction efforts to achieve the desired effect

CAnd the insurance company to terminate the insurance contract in accordance with the law, bank loans can not guarantee the creditor's rights

D. exemption clauses into the insurance company"The amulet", bank loans difficult to pursue insurance liability

17The car loan business of banking in China originated from the () years.

A．1993

B．1995

C．1996

D．1997

18The following about personal auto loan line of credit accounts, the right is the ().

AAt the purchase of vehicles for commercial vehicles, the loan amount may not exceed the purchase price of the vehicle50%

BThe purchase of vehicles. For the car, the loan amount may not exceed the purchase price of the car70%

CAt the purchase of vehicles for commercial vehicles, the loan amount may not exceed the purchase price of the vehicle80%

DThe purchase of vehicles. For the second-hand car, the loan amount may not exceed the borrower purchased car prices50%

19Personal auto loan can not be implemented. The guarantee is ().

AMortgage

BThe pledge

CPromise

DGuarantee

20All applicants. The following, most likely apply to personal car loan is ().

AA yearL6Years old, the affluent families, can the property as collateral for loans to buy a car

B. B personal credit good, after graduation from the university has not found a permanent job, now want to loan to buy a car to run transport

CPurchase a car. C have the idea, but now the price is more expensive, the estimated future prices will fall, want to be in a bank loan to buy the price drop

DDing director in a state-owned enterprise, had many loans, and good credit, loans to buy a new car to replace the old one

Two, multiple choice questions

1According to the "Regulations of car loan management approach", can apply for a car loan is ().

AAt a fixed residence of residents in the China territory

B. registered in domestic lenders

CContinuous residence in Chinese territory2Years of foreigners

DIn the first half of China. Continuous residence within the territory of Hong Kong, Macao, Taiwan compatriots

EDomestic car dealers

2Including personal auto loan repayment ().

AMatching interest repayment method

BMatching principal repayment method

CA debt service

DMonthly interest free repayment law

EAt any other borrower willingness repayment

3At the loan before the survey can be taken by way of a ().

AReview the loan application materials

BInterview the loan applicant

CThe query personal credit

DField investigation

EA telephone inquiry

4Review personal auto loan ago, to ensure the security of the investigation should include ().

AEnsure compliance with regulations. People "guarantee law" and its judicial interpretation have to ensure qualification

BEnsure that a corporation, to investigate that people have the qualification of a guarantor, whether has the compensatory ability

CWhich is a natural person, should require the guarantor to submit the relevant materials, inspection loan guarantor information provided are true and valid proof materials, including the basic situation, economic income and property certificates, and the need to ensure the unit where the guarantee certificate

DEnsure that the relationship between people and the borrower

E. ensure that the implementation of responsibility, check guarantee have intention guarantee and inform its guarantee liability

5. need to pay attention to personal auto loan approval include ().

ATo ensure the business with the bank. The policy and system

BLoan application materials. To ensure compliance, data review process closely

CTo ensure loan scheme is reasonable, comprehensive judgment on the risk of each loan application, examination and approval of quality assurance

DEnsure compliance with the provisions. The delegation, for single loan approval authority over the line, must be individually or together as the loan application and approval materials to the superior for subsequent examination and approval

E. strict implementation of customer manager, business executives, professional examination and approval level approval system led

6. loans for the former, shall implement the relevant conditions of loans. It mainly includes the ().

AThe first payment. Ensure that the borrower has paid in full or in place

BThe need for insurance, notary. Such procedures, the relevant formalities have been completed

COn arrival (quality). Take charge and mortgage guarantee plus guarantee loans, to implement the loan (matter) and procedures

DThe natural person as a guarantee, should be clear and the implementation of specific operating procedures to ensure the responsibility

EOn arrival (quality). Take charge and mortgage guarantee plus guarantee loans, mortgage or pledge has been transferred to the bank

7The business department. No error in the audit of accounts, loans, the following statement on the bank loan, the right is the ().

APersonal auto loan lending. Including loans to dealers in the bank to open a savings account and transferred directly to the borrower in the loan bank deposit accounts opened in two ways

BBank loans to borrowers. And in the contract or agreement in the form of the use of funds and extraction content will be agreed in writing, guarantee the loan in accordance with the contract

CShould pay attention to in the bank loan.: the borrower and the lender to sign, by default on loan in the adjustment of the legal interest rate, loan interest rates should be executed on the day of the

DWhen the loan contract, the case of legal loan interest rate adjustment, business bank loan, found"Loan notice"Loan interest rates and loan account executive rate inconsistent, should inform the relevant departments according to the latest interest rate level to modify the credit information, and to account for loan formalities

EBank loan. The last part of the personal car loan process

8Include operational risk prevention and control measures. ().

APersonal auto loan business. To master the rules and regulations

BTo standardize the business operation

CFamiliar with the management policy of operational risk

DGrasp the main points. The operation risk of personal auto credit business process

EFor the key operation, should be completed after the record filing, duty exemption, enhance self - protection ability

9At present our personal auto loan repayment willing is not high, mainly due to higher credit risk in commercial bank car loan is ().

A. banks personal auto loan business, as it is difficult to evaluate the analysis company loans as judging the individual borrower's credit status, income, assets and liabilities, debt repayment ability of borrowers, generally only rely on the self evidence

BAt present, personal loans default cost is very low, not high penalty and the penalty, there is no effective blacklist system of sanctions

CA lot of people on the loan funds. The nature of the lack of correct understanding, think the bank money is the country's money, borrowing money is borrowed money from the state, the emergence of a large number of bad assets makes many borrowers are bank loans can not also do not have the idea of

DChina's commercial banks risk control ability is weak, the risks do not recognize the auto loan faces

EDefault. Countries also lack legal measures on car loans

10Personal auto loan. About the price of the car, which of the following statements are correct ().

AThe new car is a car. The actual transaction price and car manufacturers announced price in the low two

BFor a second-hand car is a car the actual transaction price and bank loans approved by the assessment of the price in the low two

CThe new car is high. The car the actual transaction price and car manufacturers announced price of two

DFor a second-hand car is a high car the actual transaction price and bank loans approved by the assessment of the price of two

E. price cars can contain all kinds of additional taxes, fees and insurance premiums

11Personal auto loan risk management risks associated with partner institutions including ().

AInsurance guarantee insurance contract

BAuto dealers. Third party guarantee

CThe professional Guarantee Corporation. The third party guarantee

DAuto dealers in the risk of fraud

EAuto loan signing and issuing risk

12The following can be used as a personal car loan guarantee way have ().

AThe pledge

BLoans to buy cars. With the mortgage

CReal estate mortgage

DThird party guarantee

EBuy auto loan guarantee insurance

13For second-hand car. Personal auto loans, also need special provides information ().

AProof of purchase a car intention

BAssessment report issued by a vehicle. The book bank accepted assessment institution lending

CVehicle. Vehicle property seller proof

DThe trading vehicles"Certificate of registration of motor vehicles"

EVehicle inspection certificate

14Personal auto loan. The archives management and content ().

AThe loan recovery

BThe contract changes

CCredit check

DThe management of non-performing loans

EArchives management after loan

15In the personal car loans, fraud belongs to automobile dealers have ().

AA car loan

BA - B used

CFalse prices

DOperation failed

ETake another's place by counterfeiting

16The operation process. The bank for personal auto loans (including).

ALoans to receive and investigate

BReview and approve the loan

CSigning and issuing loans

DThe contract signed purchase a car

EAfter the loan and archives management

17The following about personal auto loan development view, right there ().

ACar loan business of banking originated fromL996Years, when the industrial and Commercial Bank of China and FAW Group to establish a long-term strategic cooperative partnership

B．1998Years9On "auto loan management approach (pilot)" promulgated, is the second1997After the introduction of individual housing loan business policy, and new measures to promote consumer credit of the people's Bank of China

C．2004Years8Month, the people's Bank, China China CBRC jointly issued the "auto loan management approach", instead of "auto loan management approach (pilot)"

D."Auto loan management approach" and before the "auto loan management approach (pilot)" little difference, is determined to put matters in the Pilot Measures

EAccording to the "auto loan management approach" article3The provisions of article, can provide auto loans can only be established according to law within the territory of the people's Republic of China, the China CBRC and its dispatched institutions approved to operate RMB business loans of commercial banks

18The following about personal auto loan operation mode of the statement, the error is ().

APersonal auto loan. Including the main operation mode"- type"And"Straight type"Two

B．在"- type"Mode since the distributor or the third party in the loan process is taking a risk and pay a certain amount of manpower and material resources, so they tend to charge a certain percentage of the management fees or charges

C．"Straight type"Auto loans mode is actually"The first loan, after the purchase of a car"

D．"Straight type"Mode of operation in the current personal auto loan market dominant

E．"- type"Customer first to the bank to apply for personal car loans, the banks directly face the customer, to investigate the role of customer information, in the comprehensive evaluation to the customer a certain amount of the loan, and the loan agreement signed with the

19. the main contents of personal auto loan credit risk has ().

AThe borrower's repayment ability of the risk

BThe risk of the borrower's repayment willingness

CThe risk of fraud

DThe risk of death of the borrower

EChanges in income risk borrowers

20The main risk points. Personal auto loan and archives management including (link).

AWithout the loan. Track the use of survey, collection of overdue loans, inadequate disposal, resulting in loan loss

B. management after loan and loan size does not match, post loan management is weak, the loan before the survey materials of relatively simple, loans are often only concerned about the borrowers monthly repayment repayment; in normal circumstances, continuous monitoring is not the value of the mortgaged property and use changes

CNot keeping loan contract, the guarantee contract and other important loan file data in accordance with the provisions, the contract caused by damaged

DAt his right certificate is not required for safekeeping, cause of items of his loss, he right loss

ENot in accordance with the provisions of the loan amount and loan term, loan guarantees, interest settlement way, way, way of repayment, interest rate, interest rate adjustment and payment and other loans, loans and loans caused the error error calculation

Three, determine the title (the right judgment of right and wrong, correct useASaid, wrong withBExpress.

1. personal auto loan refers to the issuing bank to personal loan to buy a car. ()

2Personal auto loan. The loan period (including the extension) shall not exceed3Years. ()

3. in personal auto loan the loan before the survey, when the borrower's residential address and residence booklet records address consistent, must provide proof of residence. ()

4. refers to the early repayment the borrower has a certain ability to repay, offered some or all of the early repayment of the loan to the bank loan behavior. ()

5. personal auto loan guarantee insurance, the insured intentionally fails to perform his duty of disclosure, the insurer for the insurance contract contact before the insurance accident, the insurance company may refuse compensation. ()

6. according to "car loan management approach", in addition to the CBRC and its dispatched institutions approved to operate RMB business loans of commercial banks, other institutions may operate personal auto loan business. ()

7. "car loan management approach" provisions of the lenders to make second-hand car loans the minimum down payment ratio70%. ()

8. "car loan management approach" to facilitate the auto loan risk management, the borrower is subdivided into individual, auto dealers and lenders, and for the first time in addition to clear Chinese citizens, continuous residence in China territoryLYears above (contain1Years) residents of Hong Kong and Macao, and Taiwan as well as foreigners can apply for personal auto loan. ()

9. in acceptance and payment of personal car loans, loans shall request the applicant to fill in personal auto loan application form, and submit the relevant materials according to the requirements of bank. One must include proof issued by the intention to purchase a car dealer. (

10Responsible person. Loan review submitted to the loan applicant material compliance review, on pre loan investigation to submit application materials and interview records of pre loan investigation content is complete, review. The review of the loan that the need for additional materials and improve the investigation content, whether by the applicant. (

11To loans to buy vehicles as collateral, the loan period, the borrower shall continue in accordance with the provisions of the bank loan for the vehicle insurance loans purchased the vehicle purchase designated insurance, and the insurance policy clearly first beneficiary bank loans. (

12Bank loan. When completed, bank loans should be notice,"Personal loans information card"All documentation. ()

13Loan recovery refers to the borrower according to the loan contract agreed repayment, repayment time, repayment of the loan principal and interest in full. Loan payment methods are of entrustment and counter repayment in two ways. The borrower may select a repayment in the contract, but in the loan period may not change. (

14Wang came in2004At the beginning of the year by personal auto loan to buy a new car, Wang2009At the beginning of the year has not repaid the loan, then he can also apply for an extension, but only one time, in2010Wang has to pay off the loan early. ()

15. for arrival (quality) and the change of registration, should be to the original arrival (quality) and the registration department to change against (quality) and registration and other related procedures. (

16After the loan examination. Its purpose is to monitor the possible influence factors of loan quality, early warning signal, so as to take preventive or remedial measures. The main contents of the loan after the inspection includes two aspects of inspection and guarantee the borrower circumstances check. (

17Loan files include information management after loan borrowers and related information, must be original, not to use the copy. ()

18And the borrower. Dealer collusion, to reduce vehicle price contract, signed with the actual sale of car models of different contract, false price purchase a car, and the price to the bank to apply for loans, the purchase a car people virtually to zero Shoufu even negative Shoufu form to buy a car, so that the bank interests. (

19Personal auto loan guarantee insurance liability is limited to the principal, interest on loans, damage compensation, and not like a guarantee that include the loan principal and interest, liquidated damages, damages and claims costs etc.. Therefore, if a single to guarantee insurance as a personal car loan risk compensation, it is difficult to cover all the loan risk, the risk gap left. (

20At the borrower's repayment ability is the fundamental guarantee for the safe personal auto loan funds. ()

Answer for reference and analysis

A, single choice

1．C(analytic) personal auto loan period (including the extension) shall not exceed5Years, the second-hand car loans, loan period (including the extension) shall not exceed3Years. So the personal car loan is usually not long-term loans.

2．BPersonal auto loan (analytical)"Set the security, classification management, special use"Principle. Among them,"Set the security"The borrowers to apply for personal auto loan need to provide car purchase mortgage or other effective guarantee. So not only to the purchase of the car as collateral.

3.B(analytical)"- type"Operation mode is"Buy a car first, after the loan","The first loan, after the purchase of a car"Is"Straight type"Mode of operation.

4．A(analytical)"Straight type"Operation mode of the loan process: bank site fill in personal loan application form--Credit investigation to customer bank--Bank loan approval--The customer signed loan contract with the bank to-Customers to the dealers selected vehicle and purchase a car to the bank to pay the first payment--The car, on the bank and mortgage registration one one bank loan--Provide vehicle.

5．B(analytic) individuals to apply for a personal car loans, the purchase of vehicles for the second-hand car, the loan amount may not exceed the borrower purchased car prices50%. So90 x 50%=45(million).

6．D(key investigation analytic) personal car loan before the loan include: material consistency investigation; investigation of borrowers, credit status, economic status and the use of loan guarantee situation; investigation.

7．D(analytic) loan approval should be according to review signed approval, not agree to loan, shall state the rejected reason; re approval of supplemental materials, should specify the need to add material name and content; on the same meaning or conditionally agreed loans, such as loans and loan conditions declaration plan approval content inconsistent, should put forward adjustment clear. The loan approval signature approval, should be the approval form together with the relevant materials to the business department. SoDIs wrong, the relevant materials shall be returned to the relevant departments, but not archive.

8．C(analytic) personal car loans before granting loans, shall implement the relevant conditions of loans, the need for insurance, notary procedures, the relevant formalities have been completed. SoCIs wrong.

9．C(analytic) personal auto loan loan period, the borrower shall continue in accordance with the provisions of the bank loan for the vehicle insurance loans purchased the vehicle purchase designated insurance, and the insurance policy clearly first beneficiary bank loans.

10．D(analytic) loan recovery principle is to charge interest, after receiving this, all due, with the benefit of clear.

11．A(analytic) borrowers in repayment period of death, death declaration, the declaration of a missing or incapacitated, without heirs or legatee, or the heir, legatee refuse to perform a contract for loan of money, the lending bank has the right to recover the loan ahead of schedule, and to dispose of collateral or pledge, for the return of the outstanding part.

12．C(analytic) personal auto loan period (including the extension) shall not exceed5Years, the second-hand car loans, loan period (including the extension) shall not exceed3Years.

13．B(analytic) in China, personal credit system is not perfect is the personal loan credit risk causes large personal loans, but also the development of"Bottleneck".

14．C(analysis) to meet the conditions of the loan customers, as the capital turnover are cyclical, based on accurate grasp of the repayment ability, can also choose the monthly interest, scheduled principal repayment methods, but the repayment of loans the borrower must occur after the first4The first month repayment of the loan principal.

15．C(analytic) banks in handling personal auto loan business, including credit risk prevention and control measures can be taken: Authenticity review client information; detailed investigation of repayment ability of customers; scientifically and reasonably determine the customer repayment. Shall not the loan before the survey work entrusted to insurance companies and car dealers.

16．A(analytic) guarantee insurance liability is limited to the principal and interest of the loan, rather than a guarantee that include the loan principal and interest, liquidated damages, damages and claims costs etc.. Therefore, if a single to guarantee insurance as a personal car loan risk compensation, it is difficult to cover all the loan risk, the risk gap left.

17．C(auto loan business of banking originated from)1996Years, the Construction Bank China and FAW Group to establish a long-term strategic cooperative partnership.

18．D(analytic) purchased the vehicle as a car, the loan amount may not exceed the purchase price of the car80%; the purchase of vehicles for commercial vehicles, the loan amount may not exceed the purchase price of the vehicle70%; the purchase of vehicles for the second-hand car, the loan amount may not exceed the borrower purchased car prices50%.

19．C(analytic) omitted

20．D(analytic) according to relevant regulations, personal car loan applicant should have certain qualifications, with full capacity for civil conduct, repayment ability and clear the real intention of purchase a car.

Two, multiple choice questions

1．ABCE(analytic) individuals and institutions can apply for a car loan. As a person for a car loan shall meet the following conditions required by the lending bank:1Citizens of the people's Republic of China, or continuous residence in the territory of the people's Republic of China1Years above (contain1Years) of Hong Kong, Macao, Taiwan residents and foreigners;②Having a valid proof of identity, fixed and detailed address and have full capacity for civil conduct;③Have legal stable source of income or personal assets sufficient to pay off the loan principal and interest;④A good personal credit;5The first to pay loan bank payment;⑥Other conditions required by the lending bank. ObviouslyDPersonal auto loan options do not accord with the object of the first standard.

2．ABCD(analytic) personal auto loan repayment methods including matching interest repayment, matching principal repayment law, a debt service, monthly interest free repayment of principal repayment method etc., the specific ways to implement according to the regulations of the commercial banks. Personal auto loan repayment ways, but also can not be any kind of hope by the borrower repayment.

3．ABCDE(analytic) pre loan investigation can be taken to review the loan application materials, interviews, the loan applicant enquiries personal credit, field survey and telephone etc..

4．ABDEReview (analytical) personal auto loan ago, to guarantee to take the survey should be the way of security, to ensure compliance with the provisions of people: "guarantee law" and the judicial interpretation have guaranteed qualifications; ensure a corporation, to ensure investigation whether people have the qualification of a guarantor, whether has the compensatory ability of the guarantor; natural person the, shall require the guarantor to submit the relevant materials, inspection loan guarantor information provided are true and valid proof materials, including basic information, economic income and property certificates; ensure that the relationship between people and the borrower; ensure that the implementation of responsibility, check guarantee whether has the intention guarantee and inform its guarantee liability. The analysis3The show, does not require the guarantor units where the guarantee certificate, in fact the legal norms about the guarantor of this there is no requirement.

5．ABCE(analytic) personal auto loan approval must ensure compliance with the provisions of the delegation, single loan approval authority over the line, must make the loan application and approval of superior handling materials to the subsequent approval, not packing loan application and approval of materials to the superior agency for subsequent examination and approval. SoDOption is wrong.

6．ABCD(analytic) loans, shall implement the relevant conditions of loans. It mainly includes the conditions are: to ensure that the borrower's down payment has been paid in full or in place; the need for insurance, notary procedures, the relevant formalities have been completed on the ; in (Qualitative) mortgage and mortgage plus stage to ensure the security of loans, to implement the loan (matter) on the natural charge formalities; as guarantor, should be clear and implement the responsibility to ensure that the concrete operation program. The above conditions and no optionsERequirements, in factEOption statement is also wrong, collateral does not necessarily need to transfer to the bank under the control of.

7．ABD(analytic) personal auto loan loan loan to include dealer opened in the bank deposit account and transferred directly to the borrower in the loan bank deposit accounts opened in two ways, bank loans to borrowers in the contract or agreement with form of the use of funds and extraction content will be agreed in writing, guarantee the loan in accordance with the contract. Should pay attention to in the bank loan: the borrower and the lender to sign, to clearly inform in loans meet the statutory interest rates whole, should perform specific loan date rate. Therefore, when the loan contract, the case of legal loan interest rate adjustment, business bank loan, found"Loan notice"Loan interest rates and loan account executive rate inconsistent, should inform relevant departments according to the latest interest rate level to modify the credit information, and to account for loan formalities.COptions"By default"This view and"The borrower and the lender to sign, make it clear to in lending in the adjustment of the legal interest rate, loan interest rates should be executed on the day of the"The expression is not consistent.EOption is the last link in the entire personal auto loan in the process of the expression is wrong about the bank lending, real on loan and archives management is the last link of personal auto loan process.

8．ABCDE(including analytical) operation risk control measures: master the personal car loan business rules and regulations; standardizing business operation; familiar with the management policy of operational risk; grasp the personal car loan business process main operational risk; for key operation, should be completed after the record filing, duty exemption, enhance self - protection ability. Therefore, all options are on the correct option.

9．ABC(analytic) first, banks personal auto loan business, as it is difficult to evaluate the analysis company loans as judgment of individual income, the borrower's credit status. Assets and liabilities, debt can force, generally only rely on the borrower to prove yourself. Secondly, the current personal loan default cost is very low, not high penalty and the penalty, there is no effective blacklist system of sanctions. Finally, there are many people properties on loan funds lack of correct understanding, think the bank money is the country's money, borrowing money is borrowed money from the state, the emergence of a large number of bad assets makes many borrowers are bank loans can not also do not have the idea of.DOptions andEOptions are all wrong, banks have been aware of the risk of personal car loans, China also has a loan default aspect the legal laws and regulations.

10．AB(analytic) personal car loans loan amount of car prices, car to car refers to the actual transaction price and car manufacturers announced price of two low; for a second-hand car is a car the actual transaction price and bank loans approved by the assessment of the price in the low two. The above prices may not contain all kinds of additional taxes, fees and insurance premiums.

11．ABCD(analytic) risks associated with partner institutions include: auto dealers in the risk of fraud and cooperation mechanism of the guarantee risk. The cooperation mechanism of guarantee risk is mainly the performance bond of the insurance companies, insurance and car dealers and professional Guarantee Corporation third party guarantee.

12．ABCDE(analysis) for personal auto loan, the borrower shall provide some guarantee measures, including mortgage, loans to purchase vehicles as mortgage, real estate mortgage and third party guarantee and so on, can also take the purchase of personal auto loan guarantee insurance way. So all the options are correct.

13．ABCDE(analytic) such as borrowing the purchase of vehicles for the second-hand car, also need to provide proof of purchase a car the intention, the bank approved loans assessment agencies issued vehicle evaluation report, vehicle seller vehicle, the vehicle certificate of property rights transaction"Certificate of registration of motor vehicles"And vehicle inspection certificate. So all the options are correct.

14．ABCDE(analytic) personal auto loan and archives management refers to the loans to the termination of the contract on matters relating to management, including loan recovery, contract, loan after the inspection, the management of non-performing loans and credit records management after the five part. So all the options are correct.

15．ABCE(including fraud analysis) individual dealer: a car loan, a loan by car, take another's place by counterfeiting B, false, false, false prices all. OptionsDNot a fraud.

16．ABCE(analytic) personal auto loan process, including loan acceptance and investigation, examination and approval of loans, loan signing and issuing and loan assets and archives management four links. Do not purchase a car contract signing this link.

17．BC(analytic) optionA: auto loans business banking originated fromL996Years, the Construction Bank China and FAW Group to establish a long-term strategic cooperative partnership. OptionsD:2004Years8In March, the people's Bank of China China , China Banking Regulatory Commission jointly promulgated the "auto loan management approach". "Auto loan management approach" in the lender, the borrower range, car loans Shoufu ratio and age on key issues, andL998The measures for the administration of the "car consumption loans (pilot)" is quite different. OptionsE: according to the "auto loan management approach" article3The provisions of article, the implementation of the new approach, can provide auto loans include"A lawfully established within the territory of the people's Republic of China, the China CBRC and its dispatched institutions approved to operate RMB business loans of commercial banks, urban and rural credit cooperatives and to engage in auto loan business of non bank financial institutions gold ". This three item is wrong, the correct option is8Options andCOptions.

18．DE(analytical)"- type"Operation mode is dominant in the personal car loan market. Customer first to the bank to apply for personal car loans, the banks to directly face the customer, carries on the investigation review of customer information, in the comprehensive evaluation to the customer a certain amount of the loan, and the loan agreement signed with the. This is"Straight type"Mode of operation. SoDOptions andEOption is wrong. The other is to describe the operation mode of personal auto loan.

19．ABCThe main contents (analytical) personal auto loan credit risk is: the borrower's repayment ability risk; risk borrowers borrower repayment willingness; the risk of fraud. Death and change of income borrowers are borrowers repayment ability of risk.

20．ABCD(analytic) is not in accordance with the provisions of the loan amount and loan term, loan guarantees, interest settlement way, way, way of repayment, interest rate, interest rate adjustment and payment and other loans, loans and loans caused the error error calculation, is the risk of loan signing and issuing of, instead of lending and archives in risk management.

Three, determine the title

1．B(analytic) personal car loan purchase vehicles according to use can be divided into the car and commercial vehicle, car refers to the borrower for a car loan purchase, not for profit purpose of the automobile; commercial vehicle refers to the borrower for a car loan purchase, profit for the purpose of steam car.

2．B(analytic) personal auto loan period (including the extension) shall not exceed5Years, the second-hand car loans, loan period (including the extension) shall not exceed3Years.

3．B(analytic) in personal auto loan before the survey, when the borrower's residential address and residence booklet record address is consistent, is not required to provide proof of residence. But must be noted.

4．A(analytic) refers to the early repayment the borrower has a certain ability to repay, offered some or all of the early repayment of the loan to bank loans, repayment of principal and early settlement include lead part in two ways.

5．A(analytic) "of the people's Republic of China Insurance Law" to the insurance company to terminate the insurance contract rights, if the insured intentionally or negligently fails to perform the duty of disclosure, enough to affect the insurer agrees to insure or whether the rate increases insurance, the insurer has the right to terminate the insurance contract; the insured intentionally fails to perform the duty of disclosure. For the insurance contract, the insurer before contact insurance accident, not to undertake the compensation or payment of the insured amount.

6．B(analytical) according to the "Regulations of car loan management approach", the lender's main include: established according to law within the territory of the people's Republic of China, the China CBRC and its dispatched institutions approved to operate RMB business loans of commercial banks, urban and rural credit cooperatives and to engage in auto loan business of non banking financial institutions.

7．B(analysis) for personal car loans loan amount, the purchase of vehicles for the car, the loan amount may not exceed the purchase price of the car80%; the purchase of vehicles for commercial vehicles, the loan amount may not exceed the purchase price of the vehicle70%; the purchase of vehicles for the second-hand car, the loan amount may not exceed the borrower purchased car prices50%.

8．A(analytic) omitted

9．B(analytic) in"- type"Mode, auto dealers shall be issued by the intention to purchase a car such as proof"Straight type"For, you do not need to apply for loans in this.

10．B(analytic) loan review people responsible for submitting to the loan applicant material compliance review, on pre loan investigation to submit application materials and interview records of pre loan investigation content is complete, review. The review of the loan that the need for additional materials and improve the investigation content, may request the pre loan investigation further implement, not necessarily rejects the application.

11．A(analytic) omitted

12．B(analytic) when the bank loan is completed, bank loans should be notice,"Personal loans information card"Submit the borrower for the receipt.

13．B(recovery analysis) loan refers to the borrower according to the loan contract agreed repayment, repayment time, repayment of the loan principal and interest in full. Loan payment methods are of entrustment and counter repayment in two ways. The borrower may select a repayment in the contract, can also according to the specific conditions in the loan period of change.

14．B(analytic) extension is extended, the bank usually specified loan can only be extended once, the extension period shall not exceed one year, during all the loan period should not exceed the longest term bank. Personal auto loan period (including the extension) shall not exceed5Years. So in the2009At the beginning of the year, Wang has not been able to apply for an extension.

15．A(analytic) omitted

16．A(analytic) omitted

17．B(analytic) loan file includes information management after loan borrowers and related information, can be an original, also can copy is legally binding.

18．B(analysis) and the dealer collusion, to improve vehicle price contract, signed with the actual sale of car models of different contract, false price purchase a car, and the price to the bank to apply for loans, the purchase a car people essentially to zero Shoufu even negative Shoufu buy. Only improve the contract price, to loan from bank loans to more funds, so that bank interest.

19．B(analytic) guarantee insurance liability is limited to the principal and interest of the loan, not including damages.

20．A(analytic) omitted

 

The article from the:BankQualificationTrain