1, the following problems about credit development bank business loans expression is correct ()A, the students credit student loans for credit B, orphan students apply for loan borrowers can not provide a common C, the longest period of the loan for 14 years, the shortest D for 7 years, the loan amount is 0-6000 yuan

Error, the correct answer: A

2, the evaluation of a person's credit situation, usually on the basis of credit behavior in the past record of the man, the following information does not belong to the credit behavior was recorded ()A, past personal loan repayment record B, using a credit card records of C, a personal guarantee recordsD, remittance record

Correct

3, in addition to () without to obtain the written consent by the query, commercial bank personal credit report must be made by the written authorization of the queryA, handle the personal loan application B, review the individual credit card, quasi credit card application, examination of individual C as a guarantor forD, credit risk management

Correct

Question 4, according to the relevant provisions of the "PRC security law", the guarantor to repay the guaranteed loan(), once the borrower is unable to fulfill the repayment obligations, the bank may require the guarantor to perform the obligations of the borrower to repay the loan, instead of.A, a joint responsibilityB, partly responsible for C, shared responsibility, responsible for all the D

Correct

In 5, Zhang San in 2009 to apply for the students to credit student loans 5000 yuan, account is the agricultural bank card; 2010 for students to credit student loans 6000 yuan, pay treasure account is. After graduation, three for the early repayment, the money should be deposited? ()A, the 2009 loan in the bank card account, the 2010 loan to pay treasure accountB, 2009 and 2010 loan in pay treasure accountC, 2009 and 2010 loan in the bank card account D, can choose in the agricultural bank card account or pay treasure account

Correct

6, in the () can query personal credit reportA, my account the location of B, local C, D, the province around the country

Error, the correct answer: D

Question 7, entrust others to check your credit report, not required to provide the following materials: ()A, the principal (yourself) and agents (such as your business partner) valid identity certificate and a copy of the original, and keep a copy for reference B, authorized signature you query proxy C, agents to truthfully fill out the "my personal credit report of the inquiry application form"Letter of introduction of D, the agent unit

Correct

8, the personal credit information database has been covered () credit business outlets, including policy banks, national commercial banks, local commercial banks, rural credit cooperatives, financial companies and part of the housing provident fund management center, a small Credit Company and auto financing company etc.A, part of the financial institutionsB, the banking financial institutions at all levelsC, the national financial institutions for more than two D, the banking financial institutions more than three

Correct

Question 9, individual purchase mortgage loans after the sale of housing, not to the bank for the mortgage loans, then the owner not timely repayment cause personal credit report overdue record, who bear the responsibility? ()A, by the real estate business, need not bear bear BC, borne by the original owner, but may bring a lawsuit to the court, are suing people have adverse effect on personal credit records. D, the Justice Department ruling confirmed non your own responsibility, may require the relevant financial institutions to modify the credit information

Correct

10, good credit can bring what concessions? ()A, as long as credit is good, you can immediately access to commercial bank loansB, as long as credit is good, you may get a discount on loan interest rates, duration, amount etc.C, as long as credit is good, you will be able to enjoy the low interest loans to commercial banks D, as long as credit is good, you will be able to enjoy low interest loans of commercial banks

Correct

Question 11, inquiring about the individual credit report will be provided() dataThe original and copy of A, valid identity documentsB, my C, my unit that unit that D, personal loan contract

Correct

12, the students credit student loans the highest and the lowest expression is accurate ()A, 8000; 1000B, 6000; 500C, 6000; 1000D, 8000; 500

Correct

13, through what channels can know the details of credit his student loan (s)A, the State Development Bank loans students online system B, Alipay site C, consultation and the student loan Funding CenterD, A or C

Correct

Question 14, development bank loans students online systems do not have which of the following function ()A, apply for early repaymentB, sent to the county the student financial assistance management center newsC, loans online application D, modify personal information

Correct

Question 15, you move, especially in the new purchase of second-hand housing, must remember to do (power Gas Co)The replacement of hydropower, gas fees user name house headed and contact way, otherwise it might make the wrong person credit information basic personal credit information database, to cause unnecessary troubleA, B, C, the registration recordD, change

Correct

Question 16, friends with my ID card to the bank loans without repayment, relevant information and put it on my credit report, can raise the objection? ()A, you canB, can'tC, special circumstances may be D, will be able to

Correct

17, the State Development Bank loans (including college student loans and student loans overdue loan repayment date for the ())A, January 15th B, July 15thC, every year except in November 20 monthlyD per month, January -10 month 20 days

Correct

18, the students credit student loans for the longest and shortest period are()A, 14, 7B, 14, 6C, 14, 5D, 13, 6

Error, the correct answer: B

Question 19, personal credit report by ()Issued by the.The credit information center, the people's Bank of China AB, a professional credit survey firm C D, administration of industry and commerce, financial institutions

Correct

Problem 20,What happens if the credit transaction information credit report missing person?()A, temporarily unable to modify the B, cannot be modifiedC, objection handling by the local people's Bank credit management application, the people's Bank credit management department or the Credit Information Center for the commercial banks and other institutions to credit transaction information missing fillD, can financial institutions to apply for amendment

Correct

Question 21, on the credit report held different opinions, may raise objections to the application to which departments (?)A, the business data submitted to the agency to verify and consultation with their own, but also to the people's Bank Credit Management Department of the objection applicationB, to China Banking Regulatory Commission Agency of the objection application C, to the relevant departments of the local government the objection application D, the objection application to the local bank

Correct

The main provider of question 22, personal credit information is ()A, the people's Bank of ChinaB, commercial banks and other financial institutionsC D, the judicial organ, individual

Correct

Question 23, the use of credit report can () wayA, I hereby authorize, through legal purpose, I authorize the combined with the legal purposeB, I hereby authorize by non statutory purpose, C, only through I authorize D, only through the legal purpose

Correct

24, at present my personal credit report of the inquiry limit number ()A, 1 B, 2 C, 3D, no limit

Correct

25 generation problem, for students to credit student loans to pay treasure account password forget how to do? ()A, login pay treasure site using the password function recovered or telephone consultation AlipayB, asked the county funded center C, ask D, ask the State Development Bank funding center in Colleges and Universities

Correct

Question 26, () refers to the individual have the right to request the data submitted to the agency and the agency to revise the recorded and confirmed the error information of personal credit reportA B, right, the right to dissentC right, error correctionD, the right to judicial remedy

Correct

Question 27, 1Following the personal credit information in the event the obligations described, the error is()A, the right to provide basic personal information B, update their informationC, a bank loan in advanceD, care about their credit records

Correct

Question 28, others to view your credit report conditions ()A, financial institutions approved B, local governmentC, after I authorizedD, don't need

Correct

Question 29, negative information refers to you in the past in the credit transaction () information, default informationA, have to repay the loanB, failed to timely and full repayment of the loan, pay all costsC, D, all kinds of loans, fees paid

Correct

The 30 most important questions, personal credit information based on the information in the database is ()Transaction information between A, the individual and the individualCredit transaction information between B, individuals and banksC D, personal identity information, housing provident fund loan information

Correct

Question 31, late days interest, will be credited to the personal credit report? () A, willDifferent B, not C, different banks in different D processing mode, processing mode

Correct

Question 32, 1Following the "within 1 days and 180 days overdue difference" expression is correct ()A, whether it is overdue for 1 days or 180 days overdue, will be faithfully reflected in the credit report, the commercial banks to judge risk, usually there is a big differenceB, whether it is overdue for 1 days or 180 days overdue, will be faithfully reflected in the credit report but for commercial banks to judge the risk of C, there is no difference whether it is overdue for 1 days or 180 days overdue, will be faithfully reflected in the credit report and are listed as D, above all not bad record

Correct

Question 33, overdue repayment is not always negative information recorded in the personal credit report. International practices, most of the negative record retention time ()A, 7 B, 3 C, 5 yearsD, 5-7

Correct

34, the State Development Bank loans (including college student loans and student loan repayment date ())A, January 15th B, July 15th C month 20 daysD, every month except November 20

Correct

Question 35, overdue credit information refers to ()A, personal relationship with a bank credit, relevant information could not be repaid in full and on time payment ofB, personal in borrowing, relevant information fails to repay repayment and the resulting C, individuals in the bank for the credit card information, D, failed to repay on time and in full payment of all the above does not correct

Correct

36, the State Development Bank loans (including college student loans and student loan repayment date of application (for))Before A, 1-10 month 20 daysB, in November 1-10 dayC 1-10 every day, month, year can apply for D may apply for

Correct

Question 37, acquisition of national student loan is the commercial banks and other financial institutions in accordance with national policies, distributed to the students with financial difficulties of the personal credit, since (), commercial banks and other financial institutions will loan and repayment and other related information submitted to the personal credit information databaseA, the repayment date of College StudentsB, loans for daysC, college graduates enter the repayment period, the loan application, D

Correct

38, if the student fails to repay the loan principal, development bank will according to the overdue principal amount and the number of days overdue or impose a punitive interest, impose a punitive interest rate is the interest of the contract (the loan)A, 130%B, 150%C, 160%D, 200%

Correct

39, college student loan payment due date for ()A, the term of the loan in the last 1 years of the January 1st B, the term of the loan at the last 1 years of the August 31stC, with each loan repayment on the confirmation of specific timeD, the term of the loan at the last 1 years of the December 31st

Correct

40, the State Development Bank loans (including college student loans and student loan interest repayment date (year))A, B, C in July 15th January 15th every year every year, 20 per monthD, in December 20th each year

Correct

1, the name, sex, registered permanent residence address and other personal information have what objection? (ABC )A, the credit information center submitted objection application, submit the objection to the application of B to the local people's Bank Credit Management Department
C, directly to the business of commercial banks to update, correct your information D, an application for correction to the local public security organ

Correct 

The main reason of problem 2, of personal credit records have objection several (generally include the following ABCD)Basic information of A, personal changes but no time will change after the information provided to the commercial banks and other data submitted to the agency data submitted to the agency of B, data entry errors or information is not updated in a timely manner
C, the technology causes data processing error D, misappropriated or fraudulent use of identity for loans or credit cards, the resulting credit record is not stolen by (be clause) knowledge

Correct

Question 3, in(AB )The case can be used "personal statement"Negative record A, caused by the third party. Commissioned as car dealers, real estate dealers repayment, due to the negative information of B, individual purchase of houses without the timely repayment of mortgage loans and for various reasons to return a house, the developers returned to the first payment and will not settle for mortgage banks, thus forming negative credit record
Cause C, travel, busy with work and other personal reasons, overdue interest rates caused by D without full repayment

Correct

4, in order to in daily life, pay attention to develop a good awareness and habits, individuals can begin from the following aspectsA, pay attention to develop good habits and repayment habits, B for daily consumption, loans and various payment, pay attention to the repayment period, to avoid overdue
C, properly arrange the relevant credit activities, and make the related warning prompt D, choose a suitable method of repayment, adopt effective measures to ensure the reminder, each loan and credit card payment on time
ABCD

Correct

Question 5, where can be informed credit his student loan account number? ()The signing of A, see B when applying for a loan contract, the State Development Bank loans students online system
C, pay treasure website D, Alipay site to re apply for accounts

Error, the correct answer: A, B

6, if the stolen in my unwitting ID, the individual should ()A, as soon as possible to report to the public security organs B, immediately announce the identity void
C, query personal credit report, objection to the credit agencies D, immediately report to the information recording identity theft occurred

Error, the correct answer: A, C

7, individuals can take the following measures to prevent individual identity theft: ()A, take good care of all kinds of effective identity documents (including the ID card, military ID, booklet of registered residence, police ID card, civilian, student ID, passport) and copies of B, provide a copy of the ID card to another person, the best in the photocopy of ID card text places marked purposes, at the same time, add a sentence "then copy is invalid"
C, regular query personal credit report, focus on your credit record D, once you discover your identity stolen, immediately report to the public security organs

Correct ABCD

Question 8, development banks and financial aid center will report regularly to the loan students call, SMS to inform the important notice, the repayment tips, in order to ensure the timely notification, student loans appear as follows ()Circumstances, should apply for student loan funding center within 20 working days prior written notice, and visit the student online service system to modify personal informationA, the student family address, mailing address, contact telephone number and work units change B, student loans unemployment, major diseases, accidents
C, student loans dropped out, was expelled from school, go abroad, not normal to complete their studies in D, student loans and the common borrower domicile, residence moved out of hours domicile

Correct ABCD

9, the following problems about "dormant card" understanding is correct? ()A, dormant card may give your credit report to leave negative record, because you may forget to pay the fee of B, if the cardholder annual fee is not paid on time, the arrearage information will be credited to the personal credit report, affect your personal credit
C, each bank cards are made from cost, for the moment of success, bank card account has been generated, the bank will pay the data processing, information maintenance cost D, waste of financial resources at the same time, a large number of idle bank cards is an increase of the cardholder's hidden burden, because for not timely cancel the account debit and credit cards, some banks will require an annual fee

Error, the correct answer: A, B, C, D

10, the following may apply for the development bank loans have ()A, a graduate student B, full-time undergraduate students
C, D, preparatory students of junior college students

Correct BD

11, the individual shall enjoy the right to credit information in the event ()A B, right, the right to dissent
C, error D, the right to judicial remedy right

Error, the correct answer: A, B, C, D

Question 12, used in the credit report of the following behavior is correct ()A, any organization or individual can see your credit report at B, authorized in writing your post, institutions and individuals to check your credit report
C, you can view the bank audit proposed credit report D, loans and credit card application is any organization or individual to see if your credit report, not only to meet the law's purpose, you must be a written authorization

Correct BCD

13, the following problems on "the overdue amount" expression is correct ()A, the current total acquisition time is overdue deadline information before a settlement date shall not payments to B, credit card, refers to the total amount of the minimum amount of current return not
C, on loan, refers to the current should be together is not also on the amount of loans, should the amount owing on the loan (including principal and interest) structure should be as specific contract provisions for D, quasi credit card, the data item is meaningless, so the display is 0

Error, the correct answer: A, B, C, D

14, the following problems about the common borrower expressions, right there ()A, the common borrower should in principle be borrowing students father or mother B, such as loan student parents due to disability, illness and other special circumstances lose labor ability or capacity for civil conduct, the students borrow other relatives as co borrowers, if for the orphans, the orphanage, Civil Affairs Bureau and other staff as co borrowers
C, the common borrower domicile and students entering school household register in the county (city, district) D, such as co borrowers than borrowers students parents, age at 25 ~ 60 years of age

Correct ABCD

Question 15, which of the following is overdue, will be credited to the credit report: ()A, than the payment due date one or two days late repayment B, after due for repayment, the bank staff telephone calls, customer to pay back the money
C, the customer has the repayment before the payment due date, but because we do not know the specific amount also should be, not D, full repayment before maturity in full repayment

Correct ABC

16, in the personal credit report, the following shows negative information is()A, tax unpaid information B, default information
C, D, overdue owing on the loan default billing information

Correct ABCD

17, the following problems about college student loans expression is correct ()A, did not conduct students to credit student loans student can apply for provinces amount of student loans, the highest B student loan application is 6000 yuan
C, the student loan borrowers need to provide common D, college student loans without the common borrower and guarantor

Correct ABD

18, the loan student loan does not appear on time owing on the loan or malicious default loans obvious breach, all levels of student financial assistance management center has the right to take the following measures ()A, the default information reported to the people's Bank credit rating system China, loading the personal credit report B, publish the name, identity card number, Graduate School and breach of contract and other information in the news media and the Internet
C D, the default, informed student loans default information provided to the student financial assistance management center to breach the student employment unit

Correct ABCD

19, if the student fails to return the loan, and long-term arrears, default information repeatedly into the people's Bank personal credit information system Chinese, would breach of students future work, bring bad influence what life? ()A, the influence of admission, B, direct restrictions on borrowing abroad students and co borrowers obtain loans, car loans
C, direct limit on loan for students and the common borrower credit card start-up D, direct limit on loan students and common borrowers enjoy application and use of almost all the relevant financial institutions and financial products

Correct ABCD

20, about the loan and credit records, the correct statement ()A, the loan does not affect personal credit records, loan extension B of personal credit records, in their personal credit report "special deals" section will be extended information
C, loan information must be D, loan information negative does not have to be negative

Correct BD

Personal identity information problem 1, personal credit report is submitted by the commercial banks, is the individual to fill in the commercial banks for credit card or loan business by the relevant application form basic personal information Yes

Correct

2 common problems, borrowing by the loan student guarantor, no need to take the first responsibility of repaymentRight and wrong

Correct answer: wrong, wrong

3, credit is developed to meet the need of the modern economy, it helps everyone credit accumulation of wealth at the same time, also encouraged everyone to develop trustworthy performance behavior, convenient you engaged in economic and financial transactions in a larger range of Yes

Correct

Question 4, negative information is information that you fail to repay the loan in full and on time, pay all costs of information in the past in the credit transaction, namely the default information

Yes

Correct

Question 5, borrowing students can visit the development bank loans on-line system for loan applications, do not need to go to the student financial assistance management center for CountyYes

Correct

Question 6, overdue credit information refers to a personal relationship with a bank credit, relevant information could not be repaid in full and on time payment of

Yes

Correct

Question 7, already developed provinces student loans to students, can also apply for loans in the school university studentRight and wrong

Correct answer: wrong, wrong

Question 8, personal credit report inquiries number Wrong

Correct

9, in the credit activities should follow the "Words alone are no proof., according to the word for" principle Yes

Correct

10, commercial banks in the study of personal credit loans to determine whether, considering and their spouse's credit 

Correct T

Question 11, first applied to train students to credit student loans, if not to the scene for the common borrower, may entrust others to handleRight and wrong

Correct F

12, the State Development Bank loans to students from online system password forget, can ask the teacher to help the county funded Center for password resetRight and wrong

Correct T

After 13, loans to students by the university students, teachers do graduate confirmation, do not need oneself to national development bank loans for students online systemRight and wrong

CorrectF

Question 14, not loans, without the use of bank cards, credit is goodRight and wrong

CorrectF

Question 15, credit report does not distinguish between "good" and "bad" owed arrearsRight and wrong

CorrectT

Question 16, since I have repaid the loan, then the relevant information should be removed from the personal credit information database, a personal credit rating system so don't I have collected to pay off the credit informationRight and wrong

CorrectF

Question 17, overdue refers to the repayment deadline has not been full repaymentRight and wrong

CorrectT

Question 18, late days of interest, not credited to the personal credit reportRight and wrong

CorrectF

19, the national student loan information also is the basic database of personal credit information collection rangeRight and wrong

CorrectT

20, college student loans to discount the extension formalities must be admitted to graduate in higher - level academic schoolRight and wrong

CorrectT