Company credit Zhenti 2009

Company credit in 2009
(a total of 100, the examination time for 90 minutes)

A, the
Four options for each of the following questions are, only a most conforms to the requirements of the subject, please select the appropriate options.
1 the following letter of credit is not correct is ().
According to the requirements of A bank credit related legal norms
B bank must be handled in accordance with customer requirements and instructions
C this is a conditional commitment written documents of payment
D a credit to the international credit
Answer: D
The] credit is a credit by the bank according to the relevant laws and regulations in accordance with the customer requirements and instructions a conditional commitment to pay a written document. Credit includes international and domestic letter of credit letter of credit.
2 in the company credit legal compliance principle, commercial banks must adhere to the principle of ().
A profit
B "distinction, merit based support"
C to ensure the safety of principal
D honest credit
Answer: B
The] "business bank law" and a series of laws and regulations, regulations for commercial banks on the track of healthy development created a condition. Business banks should adhere to the principle of "differential treatment, preferential construction" principle.
3 in the case of the total credit funds, credit funds turnover rate, liquidity, safety, profitability relationship is ().
A turnover speed, mobility is stronger, more to ensure safety. But the benefits
B fast turnover, liquidity is strong, the security is poor, benefit is poor
C slow turnover, liquidity is poor, the security is poor, benefit is poor
D slow turnover, liquidity is poor, safety is better, better benefits
Answer: A
The credit funds] in the case of the total turnover, faster, stronger liquidity, security is guaranteed, but the benefits of the poor. On the other hand, turnover rate of credit funds more slowly, liquidity is poor, the security is poor, but the benefits of good.
4 the following belong to narrow credit (is).
A credit
B security
C acceptance
D credit
Answer: A
[the bank credit to analytical] narrow corporate credit business activities, including the bank and its customer relations occurred in deposits and loan business. Guarantee, acceptance, credit and other activities is broad credit.
5 the following are direct financing behavior ().
A Hemou to industrial and commercial bank loan 100000 yuan for the enterprise engineering settlement
B A company to B company invested 8000000 yuan, and holds a 30% stake in B
C A company by financing institutions to B company to borrow 600000 yuan
D Hemou by borrowing funds of financial institutions 120000 yuan
Answer: B
The] financing refers to borrowing and the funds of funds paid to raise activities. For financing through financial institutions as indirect financing; not by financial institutions, capital surplus units directly deal with the demand for funds unit of financing activities for direct financing.
The motion process of 6 credit funds can be divided into double pay, double return flow. One of the first to flow refers to ().
A credit funds first paid by the banks to the user
B by the user into the operational funds, for the purchase of raw materials and pay the production costs, into reproduction
C through the process of social reproduction, credit funds after the completion of the production and circulation functions, flows back to the user's hands
D users will return to the bank loan principal and interest
Answer: C
The first] credit funds paid by the bank to the user, this is the first payment; by the user into the operational funds, for the purchase of raw materials and pay the production costs, into reproduction, this is the second payment. Through the process of social reproduction, credit funds after the completion of the production and circulation functions, flows back to the user, this is the first to flow; users will repay the principal and interest of loans to banks, this is the second return flow.
(7) is the starting point for credit marketing commercial Banking Company, commercial banks and the implementation of the development is the basis and premise of other marketing strategy.
A product strategy
Analysis of B market environment
C market segmentation strategy
D market positioning strategy
Answer: A
The product strategy is the starting point for credit marketing commercial Banking Company, commercial banks and the implementation of the development is the basis and premise of other marketing strategy.
Emphasis on product portfolio strategy of 8 commercial banks in the product line of professional strategy is ().
The breadth of A product portfolio and relevance
The breadth and depth of the B product portfolio
The depth and the connection between the C product portfolio
D the width of the product portfolio
Answer: C
The] product line of professional refers to the commercial banks according to their own expertise, with focus on certain types of products or services, and sell them to customers. The strategy emphasizes the depth and the correlation product portfolio, the width of the product portfolio generally smaller.
Minimum width 9, the depth of product mix is not big, but the relationship is very strong. Has this kind of characteristic product portfolio strategy is in the form of ().
A comprehensive type
B market professional
The C product line of professional
D special products professional
Answer: D
The] special products professional refers to commercial banks under the special conditions of resource of its own and special technical expertise, specialized in providing or operating some superior marketable products or services. The characteristics of this strategy: minimum width, depth of the product portfolio is not big, but the relationship is very strong. Adopting this strategy, because of the special nature of the product or service, the commercial banks can exploit the market is limited, but the threat of competition is very small.
10 credit funds supply and demand situation belongs to the influence of bank marketing decisions (factors).
A economic and technological environment
B social and cultural environment
C macro environment
D micro environment
Answer: D
The impact of bank marketing decision] micro environment of credit funds, credit supply and demand situation of customer demand, credit motivation and directly affect the credit demand factors, interbank competition strength and strategy.
11 according to the five level theory, set the Bank various hardware and software, including the business outlets and all kinds of business of company credit products (in).
A core products
B based products
C desired products
D extension products
Answer: B
The five levels according to the theory, set the Bank various hardware and software, including the business outlets and all kinds of business of company credit products based products.
12 according to the five level theory, product advisory and financing facilities belonging to the company credit products (in).
A core products
B based products
C desired products
D extension products
Answer: D
The five levels according to the theory, product advisory and financing facilities belonging to the extension of credit products in the products of the company.
Emphasize market professional strategy of product combination strategy of 13 commercial banks in the ().
The breadth of A product portfolio and relevance
The breadth and depth of the B product portfolio
The depth and the connection between the C product portfolio
D the depth of product mix
Answer: A
[that] market analysis of professional strategy is the breadth of product mix and relevance, the depth of the product portfolio generally smaller.
14 market positioning step, first is the ().
A positioning map
B identify the important attribute
The C location selection
D performs positioning
Answer: B
[first step analytical] Banking Company credit product positioning is an important factor to identify the target market customer purchase decision. The properties of these factors is the positioning of the company credit products should or must have, or some important common characterization of the target market is the customer.
15 bank promotions without ().
A advertising
B staff promotion
C publicity and public relations
D sales alliance
Answer: D
There are four main analytical [] bank promotions: advertising, personnel promotion, publicity and public relations, sales promotion.
Only by (16) for the enterprises and institutions of the wages, bonuses and other cash withdrawal.
A basic deposit account
B general deposit account
C temporary deposit account
D special deposit account
Answer: A
The] current "bank account management approach" will be units of account into the basic deposit account, a general deposit account, temporary deposit account and special account. An enterprise can only choose a business institution of a bank to open a basic deposit account, mainly used for the daily debit clearing and cash. Enterprises and institutions of the salary, bonus and cash withdrawal, only through this account.
17 the following belongs to the fixed assets of commercial banks credit investigation report before content is ().
A analysis on the loan guarantee
B the borrower's financial condition
C production and operation of the borrower and the economic benefits
D repayment ability
Answer: D
The D is to ask the loan fixed assets of commercial banks before the survey report, ABC is the bank liquidity pre loan investigation report content requirements.
18 6C standards do not include (content).
A character
B strength
C capital
D security
Answer: B
The interview process, the investigation personnel in accordance with the international credit "6C" standard principle, namely moral character (Character), capacity (Capacity), capital (Capital), security (Collateral), environment (Condition) and control (Control), the correlation from the customer's company status, loan demand, repayment ability, collateral acceptability and client is currently the relationship with banks focus on customer acquisition.
19 the borrower loan qualification, in addition to the provisions of the State Council, the limited liability company and Limited by Share Ltd of foreign equity investment accumulative total does not exceed the total amount of its net assets (of).
A 30%
B 40%
C 50%
D 60%
Answer: C
The borrower's qualifications, in addition to the provisions of the State Council, the limited liability company and Limited by Share Ltd of foreign equity investment accumulative total does not exceed 50% of its total net assets.
20 the following contents which do not belong to the investigation benefit (loan).
A borrowers, ensure the financial management status of people
B borrowers over the past three years business benefits
C borrowers current business situation
D borrowers the past and the future bring bank comprehensive benefit income, deposit, clearing, settlement etc.
Answer: A
[financial management state of people belonging to the investigation on the safety of loan borrowers, ensure the content analysis], the other three are on loan benefit content.
21 from a balance sheet perspective may lead to factors affecting loan demand increase of current assets is ().
A seasonal sales growth
B debt reconstruction
C fixed asset replacement and expansion
D bonus payment
Answer: A
The] from a balance sheet perspective, seasonal sales growth, long-term sales growth, declining asset efficiency may lead to increase of current assets; and reduce the change of commercial credit, debt reconstruction may result in the decrease of current liabilities, fixed asset replacement and expansion, long-term investment could lead to increased long-term assets; the dividend payment may result in reduced capital net worth. On the profit and loss statement, reduced disposable or non expected expenditure, profit margins are likely to impact on the business income and expenditure, and then affect the enterprise's loan demand.
22 the following description about the company's sustainable growth rate is (wrong).
A profit rate is higher, faster sales growth
B for dividends less profit, faster sales growth
C asset efficiency is higher, faster sales growth
D financial leverage is low, the faster sales growth
Answer: D
The financial leverage is higher, faster sales growth.
23 the following about working capital investment argument, is not true ().
A is produced in quantity seasonal assets of more than seasonal debt
B is produced in quantity seasonal debt more than seasonal assets
C through internal financing or bank loans financing
D company will normally be possible using internal funds to meet the working capital investment
Answer: B
The number of] when seasonal assets of more than seasonal liabilities, beyond the part needed by the internal financing or bank loans, this part of the financing is called working capital investment. The company will normally be possible using internal funds to meet the working capital investment, if the internal financing can't meet the demand of all financing, the company will apply for short-term loans to banks.
24 internal financing sources of funding (not included).
A net capital
B retained earnings
C shares
D bank loans
Answer: D
The internal financing source of funds is the net capital, retained earnings and seasoned equity offerings.
25 assume that a company's financial information is as follows: (unit: yuan)
A total assets
B 1000
C sales revenue
D 1500
E total liabilities
F 600
G net profit
H 100
The I owner benefit
J 400
L dividends
M 30
Answer: C
The] after calculation, the company does not increase in financial leverage case, up to 9.6% of annual sales growth rate, namely the company through internal capital re investment can achieve 9.6% annual sales growth rate. Therefore, the profit margin, asset utilization ratio and the dividend payout ratio is constant, if the company's sales growth rate below 9.6%, sales growth is not as borrowing cause reasonable; if the company's sales growth rate in more than 9.6%, sales growth as borrowing cause reasonable.
Methods 26 international measure country risk is mainly ().
A weighted average method
Risk factors for B weighted scoring method
C probability method
Method of scoring the D project
Answer: B
The] some famous international rating agencies have adopted method of risk factors in country risk weighting measure is basically, just different institutions in risk factors set, weight set, scoring grasp and calculation methods differ.
The 27 internal factors, internal index commonly used without ().
A risk
B security
C profitability
D mobility
Answer: A
[risk control management level analytic] banks also have an important influence on the quality of credit assets. Risk control ability are usually reflected in the management index and data bank, so you can choose some important internal indicators for analysis. Commonly used internal index includes three aspects: the quality of credit assets (safety), profitability and liquidity.
28 for the Banking Company credit business, at the highest risk of the start-up phase of the industry does not include ().
A is very difficult to analyze risk emerging industry faces
B enterprise repayment has a lot of uncertainty
C has a weak solvency
D enterprise managers lack of industry experience
Answer: D
[analysis] at the start-up phase of the industry represents the highest risk, there are mainly three reasons:
First of all, it is difficult to analyze risk emerging industry faces;
Secondly, the industry is facing various changes are difficult to foresee, make enterprise repayment has a lot of uncertainty;
Finally, the rapid growth of this industry and investment demand will lead to a large number of cash needs, so that some enterprises may solvency has weak for several years.
29 on the growth stage of enterprise credit risk analysis is incorrect ().
The risk of A growth stage companies on behalf of moderate degree
B must be analyzed carefully credit
C sales growth and product development may lead to the risk of payment
D has the ability to repay any loans for working capital and fixed assets loans
Answer: D
[risk analysis] growth stage companies on behalf of moderate, but this stage also has the greatest opportunity, because cash and capital demand is very big. Due to the development of the industry and the change is still very rapid, will cause the uncertain risk constantly, so the credit risk of development stages of enterprises is still larger. To determine the potential borrower's ability in success, credit analysis is essential. The continuous growth in sales and product development will lead to negative and unstable operating cash flow, causing the solvency risk. Growth stage companies do not necessarily have the ability to repay any loans for working capital and fixed assets loans.
Characteristics of 30 does not belong to the growth phase of the industry is ().
A annual growth rate of more than 20%
Exponential growth in B sales, profits and cash flow becomes positive
C at the end of this phase, there may be a brief "industry turmoil"
D a lot of enterprises may be in order to survive and launched the "price war"
Answer: B
The stage of the cash flow will be due to the increase of the rapid growth of sales and cash needs and still is negative.

31 in the growth stage of industry annual growth rate will (usually).
A reached more than 100%
B more than 20%
The C between 5% ~ 10%
D decreased
Answer: B
The] at the start-up phase of industry growth rate can reach more than 100%; in the growth stage of the industry usually annual growth rate will be more than 20%; in the mature stage of industry growth is relatively stable, generally in the 5% annual growth rate to 10%. In the common point of recession is the industry's sales in the very long time are in decline stage.
32 at risk of sexual maturity (industry).
The highest A
B medium
The lowest C
Higher D
Answer: C
The] mature industry represents the lowest risk, because the volatility of the stages of the sales and uncertainty are the minimum, maximum profit and cash flow, relatively stable, and has been effective enough information to analyze the risk of industry. The standardization of products and has been accepted by the public. Disrupt the unknown factors the industry operation is not common, so in addition to meet some special circumstances (such as unpredictable disaster), the industry's success rate is relatively high.
33 belongs to the enterprise non current assets is ().
A prepayments
B inventory
C intangible and deferred assets
D prepaid expenses
Answer: C
The non current assets, long-term investment, fixed assets, including the intangible and deferred assets and other long-term assets.
34 capital fund does not include ().
A share premium
B legal property revaluation
The C value of donated assets accepted
D statutory surplus reserve
Answer: D
The capital reserve includes premium on capital stock, legal property revaluation and donations of assets value.
35 the borrower structure expression is correct ().
A capital structure is unreasonable, the economic foundation is weak, the capability to resist risk, liquidity will be low
B seasonal production enterprises or trade enterprise assets conversion cycle varies greatly, there is a great demand for long-term funds
C manufacturing enterprise assets conversion cycle is longer and more stable, is in need of money
D enterprise total assets profit rate is higher than the cost of long-term debt, should reduce the proportion of long-term liability
Answer: A
The] reasonable capital structure, economic base borrowers firmly, can assume greater risks, have strong solvency, especially long-term solvency. The capital structure should be compatible with the asset conversion cycle. Seasonal production enterprises or trading enterprises, assets conversion cycle changes greatly, so will business busy period there is a great demand for short-term funds; stable manufacturing enterprise, its assets conversion cycle is long and stable, so the financing demand is more stable long-term funds. When the total assets of the enterprise profit rate is higher than the cost of long-term debt, increase long-term debt can make enterprises obtain the financial income, thus enhances the enterprise the rights and interests of capital gains rate.
36 in the profit and loss statement structure analysis is to (100%).
A product sales revenue net
B the cost of goods sold
C product sales costs
D product sales profit
Answer: A
The] in income statement structure analysis is to net sales income is 100%, the computational cost, product sales expenses of sales, product sales profit of the percentage of sales revenue, calculate the index percentage increase or decrease, and analyzes its influence on the borrower's total profits.
The 37 stage is the core of supply ().
A stock
B Technology
C Market
D equipment
Answer: A
[core] supply analysis stage is the purchase; the core production stage is the technical core sales phase of the market.
(38) is the most important part of current assets, often up to more than half of the total current assets.
A cash
B inventory
C profit
D stock
Answer: B
The quality of] inventory, turnover rate, has an important influence on customer asset turnover cycle length. Inventory turnover rate not only reflects the current assets liquidation ability quality, efficiency of operation, at the same time that the customer's operations and profitability. Inventory turnover rate is high, the description of the customer inventory from the funds to the sales to recover the shorter the time.
39 qualitative analysis method used in the present, the most widely used system is ().
A 5Cs system
B 5Ps analysis system
C camel (CAME analysis system
D Moodie RiskCalc
Answer: A
The qualitative analysis of] [analysis methods used at present, although there are a variety of architecture design, but the key elements of their choice are basically similar, which, on the 5Cs system of enterprise credit analysis is the most widely used.
40 "guidelines for syndicated loan business" provisions, in a syndicated loan, the repayment of the borrower shall, at least at the next scheduled repayment date () business days before informing the agency bank.
A 15
B 30
C 60
D 90
Answer: C
[provisions] "analysis" in the guidelines for syndicated loans, syndicated loans, repayment of the borrower, should be at least 60 business at the next scheduled repayment date notified by the agent bank.
The 41 banks to avoid the borrowing enterprises unable to repay interest may cause harm, in addition to loans, through careful investigation, analysis and prediction in order to avoid risks, another effective way is ( ).
A reduced loan
Establishment of B management mechanism of risk management
C strengthen the supervision on the loan business
D to improve the situation of management
Answer: B
The] bank to avoid borrowing enterprises unable to repay interest may cause harm, in addition to loans, through careful investigation, analysis and prediction in order to avoid risks, another effective way is to establish the management mechanism of risk management, through the transfer of risk, share the responsibility and the risk constraint to reduce and eliminate the loss.
42 mortgage refers to the borrower or third in ( ) circumstances, the property as guaranty for the creditor's right, banks hold mortgages property security interests, when the borrower does not perform a contract for loan of money, the bank has the right to the property by auction or discounted, the sale of the property price priority.
A does not transfer ownership
B transfer of property right of possession
C does not transfer property to the right
The D property right transfer
Answer: A
According to the "security law" provisions of] , mortgage refers to the borrower or third people without transferring the ownership situation, will the property as guaranty for the creditor's right, banks hold mortgages property security interests, when the borrower does not perform a contract for loan of money, the bank has the right to the property by auction or discounted, sell the property price first refusal.
There are 43 possible reasons for the mortgage risk loan does not include ().
A assets assessment is not true, resulting in insufficient collateral value
B not valid certificates or documents of mortgage mortgage not neat
C for the main contract, resulting in the mortgage relationship is invalid
The value of D collateral increase
Answer: D
The loan risk mortgage for the existence of: (1) the mortgage false or seriously untrue; (2) did not apply for the registration ; (3) will be common property mortgage while there are people without consent; (4) to the third party property as collateral without the property owner's consent ; (5) the assets assessment is not real, resulting in insufficient collateral value; (6) not mortgage documents or mortgage documents not neat; (7) because the contract is invalid, resulting in the mortgage relationship is invalid; (8) the value of the mortgaged property depreciation or.
About 44 of loan characteristics expression is incorrect ().
A banks accounted for the initiative in the loans, the procedures are more complicated
B value stability
C Bank of strong controllability
D is easy to handle cash pledge directly
Answer: A
The pledge loans, banks accounted for the initiative in making, processing the pledge procedures are more simple.
45 collateral valuation is the present value of the collateral. The value of the bank collateral should be evaluated. For machinery and equipment evaluation, does not need to consider factors ().
A intangible loss
B depreciation
C value
D market price
Answer: D
The] because our legal not collateral valuation problem to make specific provisions, the general practice is by the mortgagor and the bank shall be determined through negotiation between the value of the mortgaged property, entrust a qualified intermediary institution to evaluate or bank self assessment. For machinery and equipment evaluation, the main consideration is the intangible loss and depreciation, depreciation deductions should valuation.
46 commercial banks can not accept property pledge ().
A pledgor all, shall have the right to dispose of the machines, means of transportation and other property
According to B can transfer the fund share, equity
The right to exclusive use of a registered trademark in accordance with the law, C can transfer the patent, copyright and other intellectual property rights of property
D leased property
Answer: D
The commercial bank can not accept property including the leased property.
47 the value of bank risk prevention matter, should require the matter after assessment of the company industry qualification and good credit do value identification, selection ( ) of the immovable property or rights as a pledge, carefully take stock, warrants and other qualitative value changes.
The A value is high
Low B value
C high price
The D value stability
Answer: D
The value of bank risk prevention] matter, should require the matter through industry qualification and good credit evaluation companies or professional quality testing, the price control department do value confirmation, and then determine a conducive to the bank mortgage rate; the option value of relatively stable property or rights as a pledge, cautious acceptance of shares, warrants and other qualitative value changes.
Feasibility study of project (48), which belongs to the project owner or sponsor is to determine the investment plan and work, from the general design and economic advisory unit to do.
A Project Report
The completion of the B
The C project started
The D project
Answer: D
The feasibility study analysis] project belongs to the project, project owner or sponsor is to determine the investment plan and work, from the general design and economic advisory unit to do; loan project evaluation is the bank loans in order to select the target loans and the expansion work.
49 so far, the domestic banks to assess project, basically is to use the (mainly) evaluation model.
The A project benefit
B bank staff
C enterprise data
D enterprise management benefit
Answer: B
The] so far, domestic banks to assess project, basically is used to evaluate the bank staff based model, seldom invited technology and management experts and project related to assessment, the evaluation model to a certain extent, affected the project quality evaluation.
The net cash flow of 50 a project as follows, calculate the investment recovery period ().
A years
B 0
C 1
D 2
E 3
F 4
G net cash flow
H -100
I 50
J 60
L 70
M 70
Answer: D
The cumulative net cash flow can be obtained as follows according to net cash flow on the table in the year 01234
Net cash flow of -100 -50 1080150
The investment recovery period = cumulative net cash flow began to appear at -1+ last year the number of cumulative net cash flow divided by the absolute value of the net cash flow investment recovery period is =2-1+60 / 50=2.2
The main purpose of prediction of 51 human resources supply and demand is estimated future a period of (enterprise) demand, which is the key part is more technical human resources planning.
A workers
B the amount of labor
C talent
D labor
Answer: D
[purpose] analytic prediction of human resources supply and demand is to estimate the demand for labor for enterprises in the future for a period of time, this is the key part is more technical human resources planning. At the same time, the prediction of human resources must consider the supply of labor.
Organization project does not include (52).
The implementation mechanism of A project
Operation mechanism of B project
Contractor C project
Cooperation mechanism of D project
Answer: C
[organization of project can be divided into three parts: the implementing agency project cooperation mechanism, operation mechanism and projects.
53 basic financial analysis work is ().
A financial forecast review
B analysis of cash flow
C analysis of profitability
Analysis of D repayment ability
Answer: A
The review of financial forecast is the basic data report the financial evaluation of the project review, is the foundation of project finance analysis work.
The 54 known inventory for 180000 yuan, liabilities 200000 yuan, 1.5 sudongbilv, assuming that the current assets of enterprises by the quick assets and inventory, the flow ratio of the enterprise ( ).
A 2.4
B 2.5
C 2.3
D 2.5
Answer: A
The quick assets =20 × 1.5=30 million =30+18=48 million; liquidity; liquidity ratio =48 / 20=2.4.
Conditions of production of 55 project is completed and put into production refers to the project, the need in the production process of the material conditions and () analysis of.
A sales
B production
C economy
D supply
Answer: D
[production condition analysis] project is completed and put into production refers to the project, the need to analyze the process of production and management of material conditions and supply conditions. The production characteristics of different industries, different nature, different types of construction project is different.
56 Short term loan application documents do not include ().
A raw material procurement contract
B product sales contract
C import and export business contract
D loan contract
Answer: D
The use of short-term borrowing documents include: raw material procurement contract, sales contract, import and export business contract.
Document preconditions for the first time in the 57 loan, loan documents including ().
A both lenders and borrowers have been formally signed the loan contract
Business license, B currently effective enterprise legal person certificate of approval, the establishment approval
The articles of incorporation of C
Specimen signature of all directors and the D list of the board of directors of the
Answer: A
The] loan documents include: borrowing both sides have signed the loan contract between the bank; have been formally signed the loan agreement (for syndicated loans). The other items belong to the class file.
58 the following about long-term loans description is incorrect ().
A real estate development loan funds will be accounted for more than 30% of investment project budget
B real estate developers of the land use rights are not back in time to terminate the termination of the loan time
C foreign labor contracting project loans are long-term loans
D export seller's credit need to submit the export license or other documents
Answer: C
The foreign labor contracting project loan period determined by the length of project, can be short-term loans, can also be for more than one year of medium-term loans.
59 export packing loan is a short-term loan () opened by the importer's Bank of credit and the credit under the export commodities as collateral available to exporters.
A exporters
B exporters of local bank
C importers
D importers of local bank
Answer: B
The] export packing loan is a short-term loan exporters local bank by the importer's Bank to open letters of credit and the credit under the export commodities as collateral available to exporters. This kind of loan approval of materials shall be submitted to: credit credit terms to open import bank letter of credit, issued by the Department of international settlement is no doubt material, importer and the issuing bank or proof of that material.
60 foreign labor contracting project loan period determined by the length of project, can be ().
A short term loan
B long-term loans
C interest free loan
D can also be a short-term loans, long-term loans for more than one year
Answer: D
The foreign labor contracting project loan period determined by the length of project, can be short-term loans, can also be for more than one year of medium-term loans.Source: Examination61 loan evaluation content does not include ().
A loan evaluation
The problems and solutions in the B loan management
C other useful experience
The comprehensive benefit evaluation of D loan
Answer: D
The loan evaluation mainly include: ① loan evaluation. The problems and solutions in the loan management. Other useful experience.
62 ensure that changes in human nature will lead to the loss of guarantee qualification, the guarantor shall have to solvency ().
A enterprise
B Corporation
C people
D enterprise legal person or natural person
Answer: D
The] assurance change people nature will lead to the loss of guarantee qualification, the guarantor shall have to discharge capacity of the enterprise legal person or natural person. An enterprise as a legal person shall provide the real business license and the recent financial statements; the guarantor or collateral for a limited liability company or joint-stock enterprises, its guarantee, letter of authorization must be provided to the board of directors guarantee resolutions and relevant content.
The 63 risk management is based on risk alert, in order to control and eliminate the risk () a series of measures taken.
A commercial bank
The B business
C enterprise financial
D enterprise management
Answer: A
The] risk disposal is based on risk alert, a series of measures to control and eliminate the risk of commercial banks. According to the stage, risk management can be divided into pre disposal and comprehensive disposal.
64 commercial banks for credit risk management system should be reported for the record ().
A China Banking Association
B Chinese CBRC
C Ministry of Commerce
The people's Bank of China D
Answer: B
The commercial banks for credit risk management system should be reported to the CBRC for archival filing Chinese.
65 the following about the risk early warning method statement is incorrect ().
Time series variation of A black warning method only considered the warning sign index, namely the cyclic fluctuation characteristics
B blue warning method focuses on quantitative analysis, according to the severity of risk symptom rating prediction of overall risk
C when the diffusion index more than 0.5, said the warning sign index in half at the rise, namely the risk is falling
D red warning approach emphasizes the combination of qualitative analysis and quantitative analysis
Answer: C
[analysis] when the diffusion index more than 0.5, said the warning sign index in half at the rise, the risk is on the rise.
The early warning signal system 66 loan risk signal about business conditions (not included).
A loss of one or more financial strength of the customer
B is related to a customer's order constantly changing production capacity of enterprises
C speculation in the inventory, the inventory is normal
D accounts receivable balance or proportion of the increase
Answer: D
[about the operating status of the signal early warning signal system analysis] loan risk include: the loss of one or more customers, and these customers financial strength; relationship to a customer the production capacity of enterprises in order to constantly changing; speculative inventory, the inventory is normal; plant or equipment in bad repair, deferred update outdated without the benefit of equipment etc..
67 bank due in short-term loans, long-term loans before () () before maturity, should be sent to the borrower repayment notice.
A 1 months, 2 months
B 1 weeks, 1 months
C 1 weeks, 2 months
D 1 months, 1 months
Answer: B
The "loan general" provisions: before the bank before the maturity date, 1 weeks long term loan due within 1 months of short-term loans to borrowers repay captital with interest, shall send notice.
68 medium term loan time limit shall not exceed a total of the original loan period (;) long-term loan time limit shall not exceed a total of ().
A 1 years, 3 years
B 2 years, 3 years
C half, 1 years
D half, 3 years
Answer: D
The] "general loans" to the loan period are as follows: the short-term loan time limit shall not exceed a total of the original loan; loan period mid accumulated shall not exceed half the original loan period; long-term loan period may not exceed 3 years. Except otherwise stipulated by the state.
69 the following does not belong to the risk of the financial situation of enterprises is ().
A borrowers have decreased substantially in bank deposits
B should be an abnormal increase in accounts receivable
C decline in the proportion of current assets to total assets
D short-term liabilities increased by a large increase, long-term liabilities
Answer: A
The A belongs to the abnormal phenomenon and the bank, other options are risk the financial situation of enterprises.
70 the following is abnormal and the bank is (the).
A net operating cash flow is negative
B borrowers in the withdrawal from circulation of funds, the repayment period not to the case of diversion, increase the loan risk
C can't timely submit the accounting statements, or statements have fraud phenomenon
D bank accounts confusion, due bills to pay
Answer: B
The B belongs to the abnormal phenomenon and the bank, other options are the financial risk of the enterprise.
71 the following a review of suretyship, myth is ().
A should pay attention to human nature to ensure that changes, loss of human nature will lead to ensure qualification
B ensure that people should have to discharge capacity of the enterprise legal person or natural person
C guarantee is an enterprise legal person, shall provide the real business license and the recent financial statements
D guarantee or mortgage for a limited liability company or a joint-stock enterprise, its guarantee, letter of authorization must be provided to the general meeting of shareholders decision to guarantee and related content
Answer: D
The guarantor or collateral for a limited liability company or joint-stock enterprises, its guarantee, letter of authorization must be provided to the board of directors guarantee resolutions and relevant content.
72 the borrower cannot repay the principal and interest in full, even if the execution of collateral or guarantees, great losses will still be caused, which belongs to the ().
A normal loans
B concerned about the type of loan
C subprime loans
D suspicious loans
Answer: D
The classification according to the "guiding principle" the risk of loans, borrowers are unable to repay the principal and interest in full, even if the execution of collateral or guarantees, great losses will still be caused, which belongs to the doubtful loan.
The core content is 73 of the loan risk classification ().
Analysis of A basic credit
Analysis of B repayment ability
Analysis of C repayment possibility
D determine the classification results
Answer: C
The core of the loan risk classification is the content of repayment possibility.
The main sign of the repayment ability of borrowers is (74).
The borrower of the adequacy of cash flow A
B the borrower's assets liabilities ratio is low enough
C borrower's management level is very high
If D the sales revenue and profit is high enough
Answer: A
The main sign of [cash flow of the repayment ability of borrowers borrower is enough.
75 prevalent loan classification method, mainly on the basis of ().
A historical cost method
B market value method
C net present value method
D reasonable value method
Answer: D
The prevalent methods of loan classification, mainly on the basis of reasonable valuation method.
76 from the banks perspective, the asset conversion cycle is the bank credit funds by () is transformed into physical capital, and then transformed by physical capital into financial capital.
A assets
B the cost of capital
C financial capital
D financial assets
Answer: C
The] from the banks perspective, the asset conversion cycle is the bank credit funds into the financial capital to physical capital, and then transformed by physical capital into financial capital. It includes two aspects, one is the production of transformation period, two is the capital turnover cycle.
77 in the security issues, there are two main aspects to focus on, one is the legal aspects. Two is ().
A economy
B political
C risk
D returns
Answer: A
The guarantee on the issue, mainly has two aspects to consider, one is the legal aspects, namely effectiveness guarantee; two is the economic aspects, namely guarantee sufficient.
78 for some small amount, the number of loans, to take () approach to the provision for loan loss reserve.
A batch
B specific calculation
C fixed ratio
D review ratio
Answer: A
The] for some small amount, the number of loans, to take a batch processing method. Because the factors affecting the internal factors of the loan repayment and the external is very close, personal computing is neither realistic nor necessary. In the outside of normal class of these loans in the loan provision of special reserve, also should adopt the method of batch processing.
About 79 of commercial banks to mention the special reserve large non-performing loans on a case by case design approach is wrong ().
A loss class loan, should be 100% loans provision of special reserve
B suspicious loans necessary can be distinguished from its loan portfolio in case by case calculation
C if the subprime loans possible source of repayment is collateral, relatively clear and easy to quantify, should distinguish specific provision
D for a single loan reserve provision, does not need to deduct the loan collateral value
Answer: D
[analysis] for a single loan reserve provision, shall deduct the loan collateral values; for batch loan reserve provision, does not need to deduct.
80 according to the net present value method, to determine the main basis for future loan to value (the value of the discount).
A cash inflows
B cash outflow
C cash flow
D net cash flow
Answer: D
The] according to the net present value method, the value of the mortgage to determine the main basis for future discounted net cash flow value, so, to determine the loan portfolio value will include all the expected loss of loan, loan profit net present value will also get confirmation.
81 "guidelines for syndicated loan business" provisions, during the syndicated loan existence, often led by the bank or agency responsible for regularly convene syndicate meetings, but also by the ( ) above the syndicated loan members jointly convened.
A 1/5
B 1/4
C 1/3
D 1/2
Answer: C
[the provisions] "analytic" guidelines for syndicated loans, syndicated loan duration period, usually by the lead bank or agency responsible for regularly convene syndicate meetings, but also by more than 1/3 members called for the syndicated loan.
(82) is to determine the loan is normal or not is the most basic symbol.
A purpose of loan
B source of loans
C source of repayment
D repayment records
Answer: A
The purpose of] loan loan purposes, is to determine the loan is normal or not is the most basic symbol. Whether loans are used correctly is one of the most basic judgment factor for loan classification, the misappropriated loan once, it will mean greater risk.
83 for classified as loss of loans, according to the loan balance () provision of special reserve.
A 20%
B 50%
C 80%
D 100%
Answer: D
The] for classified as loss of loans, loans should be according to the 100% provision of special reserve. For large sum of suspicious loans, if a fixed ratio according to the classification results, the loss rate and the accrual rate error will have a greater impact on the overall level of loan loss reserve bank.
84 bad loan refers to the borrower fails to repay the original loan agreement () the loan principal and interest of loans.
The people's Bank of A
B bank
C enterprise
D commercial bank
Answer: D
The] non-performing loan refers to the borrower fails to repay the original loan agreement of commercial bank loan interest, or there are signs that the borrower may not according to the original loan agreement to repay the loan principal and interest and the formation of commercial bank loans.
85 If the bank refuses to accept the judgment of first instance of a local people's court, have the right to the date of the judgement () to a higher people's Court of appeal.
A 15
B 30
C 3 months
D 6 months
Answer: A
The] court shall make a judgment in the case, generally within 6 months from the date of. If the bank refuses to accept the judgment of first instance of a local people's court, have the right to served in the verdict within 15 days from the date of a higher people's Court of appeal.
86 China's full implementation of loan classification system of five level is the beginning of the year where ().
A 2000
B 1998
C 2002
D 1999
Answer: C
[analysis] since 2002, China's full implementation of loan classification system of five level.
87 debt assets storage method does not include ().
A's custody
B local storage
C commissioned custody
D personally custody
Answer: D
The] banks in handling debt asset received should be treated according to the debt asset categories (including real estate, real estate and rights), decided to take on the characteristics of storage, local storage, custody etc..
88 bank creditor's rights should first consider the () form of repayment, strictly control to ().
A money, material
B, currency
C creditor's rights, assets
D assets, creditor's rights
Answer: A
The] bank creditor's rights should be considered first in the form of monetary compensation, strictly control the material bonded. Compensation in cash compensation as the first choice, the debtor, guarantor has no money to repay ability, to give priority to direct auction, sale of non monetary assets, the recovery of creditor's rights. When the cash compensation really can not be realized, can accept to set off.
89 debt assets shall be the debtor or obligor shall enjoy the right of disposition and has strong liquidity of property, not including ().
The raw material of A borrowers
B debtor the public nature of the staff residential living facilities
C stocks and bonds
D land use rights
Answer: B
The B is not to cover the debt property; other options are to insolvent property.
90 commercial banks in the debt expiated assets, reducing (hub).
A loan principal
B interest receivable
C the loan principal and interest receivable
D mortgage asset value
Answer: C
The commercial banks in the debt expiated assets, will also reduce the loan principal and interest receivable.

21 the purchasing power of the community is in a certain stage of economic development, the foundation of certain income level, domestic and international for the purchase of commodity currency ability to pay in the retail market.
Whether the A project in line with the need to balance development of national economy
Analysis of B project
C investment reason
The D project is in line with national industrial policy, technology policy and regional development planning, Department of
E investment environment evaluation
Answer: A, D
The] project background analysis can help the bank to understand the background of the project, which can be analyzed from the macro and micro level two. From a macro point of view, the background analysis of the project mainly includes the following two aspects: the construction of the project is in accordance with the needs of the development of balance of the national economy; the project conforms to the national industrial policy, technology policy and regional development planning, Department of. BCE is a micro background analysis.
The 22 banks to analyze and evaluate the design scheme of the project, it is necessary to analyze the engineering design scheme is economical and reasonable, whether or not in line with the overall development project. The analysis and evaluation of the engineering design plan from ( ) analysis.
Analysis of A general layout plan
Analysis of B Technology
C benefit analysis
D risk analysis
Analysis of design scheme of E Engineering
Answer: A, E
[evaluation analytic] in engineering design can be analyzed from two aspects; (1) analysis of general layout plan (2 plan); main engineering design analysis, is mainly refers to the civil engineering design.
23 in the assessment, as the basic financial statements, but also must prepare some auxiliary statements, following which belongs to the auxiliary statements is ().
A fixed asset investment estimation table
B liquidity estimation table
The total cost estimates in table C
D product sales (operating) income and sales taxes and additional estimation table
E loan repayment of principal and interest table
Answer: A, B, C, D
The loan repayment of principal and interest belongs to the basic financial statements.
24 project evaluation includes ().
The need for assessment of A project construction
Evaluation of B project supporting conditions
Financial evaluation of C project
D the staff and the management level
The E project technology assessment
Answer: A, B, C, D, E
The] projects include: (1) the necessity of project construction evaluation; (2) evaluation of the project construction supporting conditions; (3) the project technology assessment; (4) the borrower's staff and management level; (5) the project financial evaluation; (6) loan guarantee assessment; (7) Bank efficiency.
25 on the matching conditions the project evaluation, the following statement is correct ().
A site selection is reasonable, the implementation of land requisition
B resources can meet the need of the project, raw materials, fuel supply is guaranteed or not, whether the economic reasonable
C facilities of water, electricity, gas, transportation, transport conditions can meet the need of the project
The D project is the use of technology is advanced, applicable, reasonable, coordination, is matched with the projects of other conditions
Whether the E environmental indicators meet the requirements of the relevant departments, whether environmental impact report has been approved by the authoritative department
Answer: A, B, C, E
The] project by using the advanced technology, applicable, reasonable, coordination, is matched with the projects of other conditions. This is the project technology evaluation problem. The other 4 are project construction supporting condition assessment considering the content.
26 of the borrower's loan qualification review the contents of the main ().
The market demand for products A borrowers, operating conditions
B Corporation is the administrative department for Industry and Commerce for the annual inspection procedures
C is in the bank to open basic accounts or general deposit account
D for long-term loans, whether corporate equity and self financing ratio meet the requirements
E credit guarantor status
Answer: A, B, C, D
The guarantor credit belongs to review the loan guarantee.
27 short term loan application materials, which belongs to the application file borrowing is ().
A reporting units on the loan approval request
B liquidity loan review summary table
Business license C borrowers are for the annual inspection procedures in the business sector
D borrowers loan applications
E borrowers in recent three years the Department of finance or accounting firms audited financial statements
Answer: A, B, D
The] borrowers have to go through the annual inspection procedures in the Department of industry and commerce business license and the borrower nearly three years of the Department of finance or accounting firm to audit the financial statements of the borrower credit review documents, other options are loan application documents.
About 28 of revolving loan, the following statement is correct ().
A revolving loan is the bank to enterprises in the normal production and operation process of the regular occupation of the reasonable flow of funds needed for loans
B it has short-term turnover, long-term use
Attention should be paid to C in the loan application materials: credit borrowers, operating condition, financial condition
Attention should be paid to D in the loan approval of materials: the borrower in the future profitability and solvency
E in addition to the loan application materials note content, also should consider the bank capital and bank interest
Answer: A, B, C, D, E
The] revolving loan is the bank to enterprises in the normal production and operation process of the regular occupation of the reasonable flow of funds needed for loans. It has the characteristics of short-term, long-term use, the note in loan application materials: the borrower's credit status, business, financial condition, the borrower in the future profitability and solvency, the ability of product development and market competition ability etc.. In addition also should consider the bank capital and bank interest.
29 long term loan, project supporting documents including ().
A source of funds to implement the documents
B capital already in place or to place the document
C other financial institutions loan commitment file
The implementation of D other necessary documents
The feasibility study report of E project
Answer: A, B, C, D
The feasibility study report of project belongs to the medium and long term loans, project file contents. The remaining option is supporting the project file contents.
30 the following is the business risk is ().
A single product structure
Decreased B on inventory, production and sales of control force
C for some customers or suppliers rely too much on, may cause great loss
D relationships in supply chain status changes, such as suppliers no longer supply or reduce the credit limit
E buyer reduced procurement
Answer: A, B, C, D, E
The business risk is mainly reflected in the:
(1) business activities changed significantly, production, semi production or operation appears to stop state;
(2) the nature of the business, business objectives or practices change;
(3) the main data showing adverse changes or trends in the industry statistics;
(4) and not familiar with the business, new business or in unfamiliar areas of business;
(5) can not adapt to the changing market changes and customer needs;
(6) to hold a large orders, can not fulfill the contract;
(7) a single product structure;
(8) decreased to control inventory, production and sales of;
(9) excessive reliance on some customers or suppliers, may cause great loss;
(10) changes in the position in supply chain relationship, such as suppliers no longer supply or reduce the credit limit;
(11) the buyer reduced procurement;
(12) the adverse changes or branch distribution unreasonable enterprise site;
(13) the acquisition of other enterprises or set up new sales outlets, has obvious effect on sales, if the acquisition is based only on financial motivation, rather than with the core business is closely related to;
(14) the sale, sale of main production, management of fixed assets;
(15) plant and equipment do not get very good maintenance, renewal of equipment is slow, lack of key products production line;
(16) the feasibility of projects there is a deviation, or the implementation of the plan appear a large adjustment, such as infrastructure projects the extension of the time limit, or in a stopped state, or the budget adjustment;
(17) the quality of the products or service level borrowers fell;
(18) the loss of a large number of financial strength of the customer;
(19) during typhoons, fires, wars and other natural disasters or social disaster;
(20) the enterprise does not achieve the intended profit objective.
31 the following content reflects and banking abnormal phenomenon is ().
A enterprise sales decline, increased costs, reduced profits, loss of business
B on short-term loans more dependent requirements, loan
C loans for more than the borrower's rational ability to pay
D borrowers have smoke escape capital phenomenon, and to seek loans
E borrowers in the withdrawal from circulation of funds, the repayment period not to the case of diversion, increase the loan risk
Answer: B, C, D, E
The A option reflects the enterprise financial risk; the other options are anomalies and banking.
32 the following about guarantee supplementary mechanism, are correct ().
A if the bank check in after the loan that borrowers collateral or pledge collateral interests have not been implemented, may require the borrower to carry out the mortgage rights or additional collateral
B if the mortgagor act to make the value of the mortgaged property is reduced, the mortgagee (bank) have the right to request the mortgagor cease
C if the deterioration due to the borrower's financial status, or due to loan the loan risk increases, the bank will require the borrower to additional collateral
D to provide guaranteed by the third party guarantee loans, if the borrower fails to repay the principal and interest on time, it should guarantee people undertake servicing responsibilities
E if the guarantee qualifications or guarantee ability of adverse changes, the deterioration of their own financial situation, the bank shall require the guarantor to append new guarantor.
Answer: A, B, C, D, E
The] if the guarantee qualifications or guarantee ability of adverse changes, deterioration of its financial situation; or because of the request of the loan extension caused by loan risk increases or because of overdue loans, banks the additional penalty and leading to the debt burden, and the original guarantor does not agree to increase the guarantee amount; or touch (Qualitative) the charge material adverse changes; bank shall require the borrower to append new guarantor.
33 the following about the risk early warning procedures and method of argument, the right is the ().
A according to the operation mechanism will risk early warning method is divided into black warning, warning blue and red warning method
B black warning method need to introduce a warning sign variables, time series variation examine the warning sign index, namely the cyclic fluctuation characteristics
C risk management is based on risk alert, a series of measures to control and eliminate the risk of commercial banks
According to D stage, risk management can be divided into pre disposal and comprehensive disposal
E risk in the process of operation should continue to test its validity through time series analysis technology
Answer: A, C, D, E
The black warning method does not introduce warning sign variables, time series variation only examine the warning sign index, namely the cyclic fluctuation characteristics.
34 non - financial factors of loan repayment in both content and form are complex, generally from the () the influence analysis of non-financial factors on loan repayment.
Factors of risk, operation risk, management risk, natural and social A borrower industry
B bank credit management
Period cost structure, growth of C borrower industry
D products of the economic cycle and alternative, industry profitability, economic and technological environment
Effects of E on other industries dependent on and related laws and policies on the industry
Answer: A, B, C, D, E
The] due to non financial factors the industry risk, management ability, natural and social factors influence the future cash flow and financial condition to a great extent, affect the borrower's repayment ability, and have a significant impact on credit management and willingness repayment of Bank Borrowers of loans and the final repayment. Therefore in the classification of loans, borrowers need all kinds of non - financial factors analysis, evaluation of its effect on cash flow and other financial indicators of the direction and extent, make evaluation more comprehensive, objective prediction and dynamic and the repayment ability of borrowers, the possibility of judging the loan repayment.
35 the following about loan loss provision principle is, the right is the ().
The core content of A prudent accounting principles is the profit estimation and records should be cautious or conservative, the assessment of loss and records to the full, while maintaining sufficient reserves to cover losses
B the principle of Prudential accounting refers to accounting matters with the estimation of, should be cautious, should be reasonably expected of the possible loss and expense, not expected or less expected profit
C in accordance with prudent accounting principles, to estimate the loss of records should choose tall not low, the profit record and reflect to choose low rather than high
D loan loss provision shall comply with the requirements of the prudent accounting principle
E adequacy principle refers to the commercial banks should keep enough to cover the loan loss reserves the intrinsic
Answer: A, B, C, D, E
The loan loss provision includes the principle of:
(1) provision for loan loss reserves to meet the requirements of the prudent accounting principle. In accordance with prudent accounting principles, when the record and reflect estimated accounting, faced with high and low two kinds of possible choices, to estimate the loss of records should choose tall not low, the profit record and reflect to choose low rather than high. In a timely manner to the estimated losses reflect on their books, records and reflect on the profit to choose conservative data cannot be underestimated and overestimated, loss of profits, not to advance the use of future earnings. Bank loan loss provision is the judgment and evaluation analysis, based on the intrinsic loss on loans, which belongs to the estimation of with accounting matters, so the loan loss provision shall comply with the requirements of the prudent accounting principle.
(2) provision for loan loss reserve should adhere to the principle of timeliness and sufficiency principle. Timeliness principle refers to the actual value of commercial banks in the provision for loan losses reserves shall be in the estimation to loan may exist intrinsic loss, loans may be reduced, but should not be the actual implementation or the need to write off loans in the loan loss provision inside when the loan loss reserve.
Adequacy refers to the principle that commercial banks should keep enough to cover the loan loss reserves the intrinsic. What say here "at any time" is relative, not absolute, absolute equality is not intrinsic loss requires commercial banks to keep reserve level and the loan. If commercial banks can regularly internal loss on the loan assessment, and according to the change of internal loss degree of regular adjustment of the reserve level can. Generally speaking, the loan loss is a gradual process, is a process of internal loss valuation by the valuation of the loan items into real loss. A commercial bank shall, in the process, according to the principle of timeliness and adequacy, according to different assessment of the amount of the loan period internal losses, loss reserves put foot. Promptly, in full from the reserve, to avoid loan loss reserve shortage of bank capital, excessive erosion, is the basis and guarantee of sustainable, sound operation of commercial banks.
36 the following claim or equity may not be as bad debts have ().
A the borrower or guarantor have the economic ability to pay, can not repay the bank creditor's rights
Regulation of B violation of laws and regulations, in various forms to evade or suspended bank creditor's rights
C administrative intervention dodging or suspended bank creditor's rights
D bank fails to recover the borrower and guarantor creditor
Other E should not write off bank debt or equity
Answer: A, B, C, D, E
The following claim or equity] not as bad debts written off: the borrower or guarantor have the economic ability to repay, not repay bank debt; provisions in violation of laws and regulations, in various forms to evade or suspended bank creditor's rights; the administrative intervention to evade or suspended creditor banks; the banks not to recover the borrower and guarantee the creditor's right; the other should not write off bank debt or equity.
37 bad loans refers to ().
Normal A
B attention
C secondary
D suspicious
The loss of E
Answer: C, D, E
The] from 2002 onwards, the implementation of a comprehensive loan classification system of five level, the system according to the degree of risk of loan, the bank credit assets into five categories: normal, attention, secondary, suspicious, loss. Nonperforming loans are defined as sub categories, doubtful and loss class loan.
The collection includes 38 conventional ().
According to A loans
B direct recovery
C negotiation handling mortgage and pledge
The D delegate
According to E recovery
Answer: B, C, D
The] according to whether or not to resort to the law, can be divided into conventional dealt with according to law to liquidate loans two. Routine collection includes direct recovery, through consultation to pledge, to entrust the third party collection etc..
39 supply of raw materials mainly include the following contents (analysis).
A analysis and assessment of whether quality raw materials to meet the production process requirements
B analysis and evaluation of raw material price is reasonable
C analysis and quantitative evaluation on supply of raw materials can meet the requirements of the project
Effect of D analysis and evaluation of raw materials prices, freight and its change trend of project cost
E analysis and evaluation of raw material storage facilities
Answer: A, C, D, E
The analysis of the supply of raw materials mainly include the following contents:
(1) whether the quality analysis and evaluation of raw materials in accordance with the requirements of the production process;
(2) analysis and quantitative evaluation on supply of raw materials can meet the requirements of the project;
(3) analyzing and evaluating the impact of raw materials prices, freight and its change trend of project cost;
(4) the analysis and evaluation of storage facilities of raw materials.
40 according to the "commercial bank credit working fulfill guidelines", major issues affecting customer credit include ().
Change A external policy
B customer structure, equity or main leaders change
The C client security exceeds the set security cordon
D customer financial ability changes
E customers involved in litigation
Answer: A, B, C, D, E
The] according to commercial bank credit working guidelines "due diligence", major issues affecting customer credit include: (a) the external policy changes; (two) customer organizational structure, equity or main leaders change; (three) the customer guarantee exceeds a set security cordon; (four) financial customer payments significant change; (five) the customer involved in litigation; (six) customers of other banks in cross default history; (seven) other.

Three, determine the title
Please the following the description of the judgment, correct selection of A, error B.
1 commercial banks should be in accordance with the financial regulatory requirements, conscientiously abide by the financial regulations, participate in the market operation process, follow the principle of fair competition, to maintain the stability of the financial market and financial order. (
A. on B.
Answer: right
The] commercial banks should be in accordance with the financial regulatory requirements, conscientiously abide by the financial regulations, participate in the market operation process, follow the principle of fair competition, to maintain the stability of the financial market and financial order.
Methods 2 company credit customer market segmentation, according to the industry life cycle is different, can be divided into the emerging industry and the industry of the setting sun. ()
A. on B.
Answer: wrong
[analysis] according to the industry life cycle is different, can be divided into the sunrise industry and the industry of the setting sun.
3 enterprises and institutions can only choose multiple agencies operating a bank to open a basic deposit account. ()
A. on B.
Answer: wrong
The] a enterprises and institutions can only choose a business institution of a bank to open a basic deposit account, mainly used for the daily debit clearing and cash. Enterprises and institutions of the salary, bonus and cash withdrawal, only through this account.
4 associated with the extension of fixed assets loan demand, the key information is mainly derived from the management of the company. ()
A. on B.
Answer: right
The] associated with fixed asset expansion borrowing needs, the key information is mainly derived from the management of the company. The management of fixed assets can be delayed expansion time, until the fixed assets limited production capacity, or favorable opportunities arise and reduce the financing cost and investment. The bank must be discussed in detail and the management of the company, understand the company's capital investment plans, and evaluate whether the fixed assets expansion can be borrowing cause reasonable.
5 when consumers purchase from another industry alternative products or services "brand switching cost" is low, threat of substitutes for the industry of future profits is greater, the greater the risk of industry. ( )
A. on B.
Answer: right
The] when emerging technology to create a substitute, from other industries competing alternatives will not only affect the price, but also affect consumer preferences. When consumers buy from another industry alternative products or services "brand switching cost" is low, threat of substitutes for the industry of future profits is greater, the greater the risk of industry. For example, glass bottle prices from metal industry and plastic industry a great impact.
6 payment only depends on market supply and demand, if the goods are in short supply, suppliers often require payment in advance or spot transactions. ()
A. on B.
Answer: wrong
The] payment mainly depends on market supply and demand and commercial credit two factors. If the goods are in short supply or the buyer's credit is not high, the supplier often require payment in advance or spot transactions.
7 when the currency appreciation trend, or foreign currency interest rate is relatively higher than the interest rate of RMB, often enterprises in foreign currency to the yuan borrowed bank pledge. ()
A. on B.
Answer: right
The] when foreign currency appreciation trend, or foreign currency interest rate is relatively higher than the interest rate of RMB, often enterprises in foreign currency to the yuan borrowed bank pledge. The bank now in pledge for loans, should pay attention to the risks of foreign currency and RMB exchange rate pledge, if the yuan appreciation, foreign currency amount is not sufficient to cover the mortgage, pledge loan amount will appear exposure.
One of the important driving force of 8 investment as economic growth, through the adjustment of investment structure of the development of the national economy balance. ()
A. on B.
Answer: right
The] under the condition of market economy, the rational allocation of social resources and the demand according to the possibility of the realization of resource, optimize the structure of the national economy. One of the important driving force to the investment as economic growth, through the adjustment of investment structure of the development of the national economy balance. Especially large investment projects, to conduct the macro background analysis, see its whether have this function, this is very important.
9 the loan approval, business personnel should strictly follow the advice given, to implement loan approval conditions, in the implementation of the conditions attached to loans and the approval after, you can sign the loan contract. (
A. on B.
Answer: right
The] loan approval, business personnel should strictly follow the advice given, to implement loan approval conditions, in the implementation of the conditions attached to loans and the approval after, you can sign the loan contract.
10 credit archives are important documents both lenders and borrowers and the rights and obligations of the legal relationship, is an important record loan management. ()
A. on B.
Answer: right
The] credit archives are important documents both lenders and borrowers and the rights and obligations of the legal relationship, is an important record loan management. The scientific record, storage and use of credit archives, is an important basis to strengthen the management of the loan, the loan security.
11 If a loan issued immediately after the calculation of the net present value, net present value of cash flow is likely the loan will cause more than the principal amount of the loan. ()
A. on B.
Answer: right
The] according to the net present value method, the value of the mortgage to determine the main basis for future discounted net cash flow value, so, to determine the loan portfolio value will include all the expected loss of loan, loan profit net present value will also get confirmation. Therefore, if a loan issued after the calculation of the net present value of net present value of cash flow right now, may the loan will cause more than the principal amount of the loan.
12. v. property before the full refers to a behavior may be due to the debtor or other reasons, the impossible or hard to execute the judgment of the case, the people's court according to the creditor bank for adjudication or when necessary without application to the court for custody of property. (
A. on B.
Answer: wrong
The] property preservation before litigation refers to creditor banks because of the urgency of the situation, do not immediately apply for property preservation its lawful rights and interests will suffer irreparable damage, the prosecution before the application to the people's court for property preservation measures.
13. loan restructuring refers to that the enterprises and the emergence of repayment difficulties due to the deteriorating financial situation or other reasons, banks in the full loan risk evaluation and foundation and the borrowing enterprise negotiation, modified or re enacted loan repayment plan, adjust the terms of the loan contract, control and dissolve the risk of the loan behavior. (
A. on B.
Answer: right
The] loan restructuring refers to that the enterprises and the emergence of repayment difficulties due to the deteriorating financial situation or other reasons, banks in the full loan risk evaluation and foundation and the borrowing enterprise negotiation, modified or re enacted loan repayment plan, adjust the loan contract terms, control and resolve the loan risk behavior.
14 according to the "commercial bank credit working fulfill guidelines", the credit staff should be business to avoid their close relatives to apply. ()
A. on B.
Answer: right
The "due diligence according to commercial bank credit working guidelines", the credit staff should be business to avoid their close relatives to apply.
15 the conditions of the credit, commercial bank credit working staff should be based on the conditions of possibility for future implementation, deliberately decide whether can be lending. ()
A. on B.
Answer: wrong
The commercial banks "to implement the conditions on the conditions of the credit, after the implementation of the credit" principle.