Personal loans in 2009
(a total of 100, the examination time for 90 minutes)

A, the
(each of the following questions are given four options, only one most consistent with the requirements of the subject, please select the appropriate options).
1 personal educational loans including (object).
A students in reading
B will be attending students
Kin C students in reading
D student's legal guardian
Answer: B
The bank loan is] personal education to students in reading or their immediate family members, the legal guardian issued to meet its school funding loan demand, therefore B is not a personal education of lending.
2 of our personal loan business to () as the main body.
A individual housing loans
B personal education loans
C personal car loan
D personal business loans
Answer: A
The] personal loan is a bank issued to the person to satisfy the various demand of capital loans. Since the reform and open policy, along with our country economy fast stable development and consumer demand increased, the personal loan business initially formed by the individual housing loans as the main body, personal car loans, personal loans for education and personal business loans and other varieties of the common development of the credit system.
3 the following about personal consumption loans are correct ().
Can apply for individual consumer durables loans are A individuals to buy durable goods at any merchant
B personal consumption credit loans do not use if it belongs to breach of contract, should pay the penalty
C personal tourism consumption loans users only loan applicant
D individuals must use personal medical loans can only be to the designated hospital medical treatment
Answer: D
The] individuals can apply for individual consumer durables loans in the bank designated merchants to buy durable goods, personal consumption credit loans do not use do not pay interest, personal consumption loans tourism travel fee payable loan applicants and their family members.
Key 4 banks need to study is the ().
A macro environment
B micro environment
Analysis of the internal resources of C bank
Analysis of D bank's own strength
Answer: B
The] B directly affect the survival, development and profitability of banks, is the focus of research and in the face of the bank needs. Customer analysis, analysis of competitors are essential. A bank must run in the social and economic environment, only to adapt to the environment change and coordination, environmental constraints, to carry out marketing activities are effective.
Not including 5 commercial housing loans (principle).
A financial discount
The B part of the self
C effective guarantee
D repayment
Answer: A
The implementation of commercial student loan "part of the self, the effective guarantee, dedicated and repayment of the principle", A belongs to the national student loan principle.
6 the following, do not belong to the main features of personal business loans is ().
A loan period is relatively short
B the use of the loans and diverse, complex factors
C risk
D risk control difficult
Answer: C
The ABD as the main characteristics of personal business loans; C belongs to the personal loan characteristics.
7 personal consumer durables loan period is generally ().
A within six months, the length of not more than 2 years
The B within one year, the length of not more than 2 years
The C within one year, the length of not more than 3 years
D within two years, the length of not more than 3 years
Answer: C
[analysis] according to the regulations, personal consumer durable crystal general loan period within 1 years, the longest for 3 years (including 3 years).
8 laid-off workers microfinance loan non profit project jot secured loan, ().
A does not enjoy the financial subsidy
B enjoy fiscal half the amount of discount
C enjoy full financial discount
D depends on the specific circumstances
Answer: A
The] according to relevant regulations, loan guarantees laid-off unemployed small non profit project jot secured loan, do not enjoy the financial discount; profit microfinance loan, to enjoy the full financial interest, overdue, extend the time limit does not discount.
The 9 reflects the dividend capacity index (not included).
A sales net profit
B capital turnover
C cost rate
The D property net profit rate
Answer: B
The capital turnover rate is about asset utilization efficiency index.
10 credit personal mortgage loans, mortgage rates generally do not exceed (,).
A 50%
B 60%
C 70%
D 80%
Answer: C
The] according to the regulations, the mortgage rate according to the mortgage property age, local real estate prices, real estate prices, and other factors to determine the realization of mortgage, generally not more than 70%.
Characteristics of 11 personal auto loan does not include ().
A is one of the main contents in the field of the automobile financial service
B business not by commercial banks independently
C marketing channels
D risk management is relatively large
Answer: C
[Characteristics] personal auto loan is mainly reflected in the following aspects:
(1) as one of the main contents in the field of the automobile finance service, occupy a space for one person in the automotive industry and market development;
(2) has a close relationship with many industry mechanism of automobile market;
(3) risk management is relatively large.
12 the following about personal auto loan recovery is not correct, is ().
Recovery of A loan refers to the borrower according to the loan contract timely repayment of principal and interest
B loan payment amount of entrustment and counter repayment in two ways
C borrowers under specific conditions can change the repayment period of the loan
D loan recovery principle is to accept this, after collecting interest, all due, with the benefit of clear
Answer: D
The loan recovery principle is to charge interest, after receiving this, all due, with the benefit of clear.
13 the following on the commercial housing loan period adjustment view, incorrect is ().
A term adjustment, including extension and shorten the period of
B borrowers to shorten the repayment period not to apply to the bank
C borrowers to apply for adjustment term loans should be no default interest
The renewal of the D after all the term of the loan shall not exceed the longest term bank
Answer: B
The borrower needs to adjust the loan period (including the extension of time and shorten the period), should submit to the bank to adjust the application deadline.
14. Wang for the original housing mortgage loans to credit personal mortgage, determined at him with mortgages housing value is 700000 yuan, the original housing mortgage loan the remaining principal is 320000 yuan, the assessment agencies approved mortgage real estate value is 600000 yuan, the corresponding mortgage rate was 50% ( Wang).
The maximum amount mortgage credit loans available to 600000 yuan A
The maximum amount mortgage credit loans available to 300000 yuan B
The maximum amount mortgage credit loans available to 320000 yuan C
D cannot obtain mortgage credit loans
Answer: D
The maximum loan amount may] Wang obtained is 60 x 50%=30 (million), less than the original housing mortgage loan the remaining principal 320000 yuan, according to the regulations, the lending banks approved loan amount is less than the original housing mortgage loan the remaining principal, not to mortgage credit loans.
15 the following about foreign natural person can apply for housing loans is not correct is ().
A "the people's Republic of China general loans" the foreigners out of housing loans to individuals
B foreign natural person to apply for housing loans, there is no legal obstacles
C domestic commercial banks will be foreign natural persons classified as housing loans
D foreign natural person to apply for housing loans exist legal obstacles
Answer: D
The foreign natural person to apply for housing loans, there is no legal obstacles.
Risk of 16 loan applications and survey does not include ().
A the loan applicant qualifications do not meet the relevant provisions of the bank
Submit the B applicant material is not real, not legal
C the loan applicant guarantee measures inadequate or ineffective
D approver qualification on the borrower's lax
Answer: D
[risk] loans and analytical investigation include:
① please people borrowing qualifications are in conformity with the relevant provisions of bank personal car loan management approach, including whether it has the completely civil capacity; domicile is in the location of the lending bank area; whether there is a stable, legitimate sources of income, repayment ability are scheduled principal interest etc..
Submitted by the applicant materials are authentic, lawful, including borrower, guarantor, the mortgagor or pledgor ID is real, effective against (quality); collateral management authority proof material is true, whether the altered phenomenon; the borrower to provide direct transfer account whether borrowers all my savings account etc..
Whether the full, effective please guarantees the loans, including collateral ownership is legal, real, effective guarantee; joint owners or authorized to verify whether all circumstances; collateral is easily realized, how to value the same area and type of collateral market trend; the prescribed rate if the collateral loan amount the value of collateral assessment; whether by evaluation agencies approved by the bank loan; guarantee of the third party and people have to ensure qualification and assurance ability etc..
17 the borrower shortened borrowing period error is ().
A on the installment personal loan accounts, the remaining effective repayment periods can be zero
B on a servicing personal loan account expiration, can also shorten the loan period
C has received interest no adjustment
D new loan period to reach a new term grades, the date, loan interest rates in accordance with the new term interest rate
Answer: B
The repayment of principal and interest on a personal loan account due, not allowed to shorten the loan period.
18 a guarantee liquidity loans is not correct ().
A secured loans interest rates shall not be less than the provisions of the people's Bank of Chinese same grade rate
B secured loans generally within 1 years, some banks for 3 ~ 5 years
C secured the floating capital loan term within 1 years (including 1 years), the borrower can take a debt service
D apply for secured loans, the borrower shall provide some guarantee measures, including mortgage, pledge and guarantee
Answer: A
The] has 1.1 times to guarantee liquidity loan interest rate shall not be less than the provisions of the people's Bank of China same grade rate, the interest rate of loans by banks according to the loan risk management principles to determine their own.
19 the use of provident fund housing loans to individuals to purchase ordinary commodity housing, the maximum loan amount does not exceed the purchase of housing price (of).
A 60%
B 70%
C 80%
D 90%
Answer: C
The use of provident fund housing loans to individuals to purchase ordinary commodity housing, the maximum loan amount does not exceed the purchase of housing 80% of the total price.
20 "car loan management approach" to () issued.
A 1993
B 1997
C 1998
D 2004
Answer: D
The 2004 August, the people's Bank, Chinese Chinese CBRC jointly issued the "auto loan management approach".
21 for a room for individual housing loans, commercial banks the main cooperation unit is ().
A insurance company
The B property Broker's Firm
C real estate developers
The D property rights exchange
Answer: C
[analysis] for Yishoufang Housing loans to individuals, commercial bank's main partners are real estate developers.
The 22 most common banks personal loan marketing channel is not included ().
A cooperation marketing
B network organization marketing
C online bank marketing
D bank counter marketing
Answer: D
The most common personal bank loan marketing channels mainly cooperation marketing, network marketing and network marketing agency bank three.
The basis of market segmentation is (23).
A measurable principle
B can enter the principle
C the difference principle
D principle of economy
Answer: A
The measurable principle, namely bank selected segmentation variables is to use certain index or to measure, the evaluation indicators can be quantified, which is the basis of market segmentation.
24 the borrower needs premise condition adjustment loan period does not include the ().
A loans outstanding
B no less interest
C without arrears of principal, the principal has returned
D good credit record
Answer: D
The] borrowers need to adjust the loan period, should submit to the bank the maturity adjustment request, and must meet the following conditions: the loan did not expire; no less interest; without arrears of principal, the principal has returned.
25 according to the "student loan management approach", the lender of the higher school in Minato students through the student loans (loans).
A unsecured
B pledge
C guarantee
D mortgage
Answer: A
The "management approach" based on student loans, the lender of the higher school issued in reading student loans are unsecured loans.
26 according to the "notice" several opinions on further improving the work of the national student loans, which of the following statements about the students returned to the national student loan, the right is the ().
A students began to repay the loan principal since graduating from the date, 4 years to pay off the
B loan student graduated or termination of their studies, no adjustment repayment plan
C advance owing on the loan, the bank can not receive advance payments owing on the loan default
D students should return all the loan interest during school and after graduation to repayment at the end of the
Answer: C
The] according to "notice" several opinions on further improving the work of the national student loan, change the current students since graduating from the start date of repayment of the loan principal, 4 years to pay off the loan practices, students graduate employment situation after, start owing on the loan, 6 years to pay off the practice in 1 to 2 after year. The 1 year loan of cattle graduation or termination of study, can make a adjustment repayment plan to the bank to apply, the agency bank shall accept the application and to make reasonable adjustments according to the actual situation and the relevant provisions of. Borrowing the students during the loan interest all by financial subsidies, loan interest after graduating students.
27 the following about equipment loans is not correct ().
A equipment loan interest rate in accordance with the provisions of the people's Bank of China period loan interest rates, floating
B equipment loans generally for a period of 1 years, the length of not more than 5 years
C if the borrower to the early repayment of all or part of the loan principal and interest, should apply for 30 working days to the bank in advance
The D must provide guarantee, mortgage, pledge and guarantee that three, can also take the dealers and manufacturers repurchase guarantee
Answer: B
The equipment loan period is generally 3 years, the length of not more than 5 years.
The 28 banks to cooperative unit admission examination content does not include ().
A business license of enterprise legal person
B tax registration certificate
C cooperation unit staff quality
D accounting statements
Answer: C
The Bank of] to cooperative unit admission examination content mainly includes the following: the business license issued by the State Administration for Industry and commerce enterprise legal person; the tax registration certificate; accounting; enterprise credit; development business debts and the security situation for the other creditors; the legal representative of the enterprise credit degree and leadership decision-making ability.
29 the following, do not belong to the special loan is ().
A China bank personal commercial housing loan
B China Construction Bank personal loan to help the industry
C traffic bank personal loans shops
D "are credited to send" personal unsecured loan
Answer: B
The AC two belong to commercial housing loans; D belongs to the unsecured loans; B belongs to the secured loans.
30 operational risk prevention and control measures have ().
A holds the personal car loan business rules and regulations, familiar with the management policy of operational risk
The B specification operation
C detailed investigation and repayment ability of customers
D scientifically and reasonably determine the customer repayment
Answer: A
The DCD is the credit risk prevention measures

31 second-hand car is a vehicle from completing the registration formalities to provisions of service life () the change of ownership and the procedures for transfer to the car.
Before A
B six months before
C a year ago
D two years ago
Answer: C
The second-hand car is a vehicle from completing the registration formalities to specified service life one year before the change of ownership and handle the transfer formalities in accordance with the law of the car.
32 the following does not belong to the personal car loan principle is ().
A guarantee
The B class management
C specific use
D is not restricted to use
Answer: D
The personal car loans earmarked for the borrower to buy a car, do not allow for other purposes.
The 33 "heart" and "balloon loan" belongs to the () of repayment.
A matching interest repayment law
B graduate repayment method
C portfolio repayment method
D constant progressive repayment method
Answer: C
The] portfolio repayment method is one of the principal sub repay loans, interest calculated according to the actual occupancy time funds repayment. That future payments under the borrower, the loan will be the first principal repayment proportional divided into several phases, each phase and then determine the repayment period. The repayment period, repayment of the principal amount of each stage agreed within the specified period according to the matching principal way to calculate monthly payments, not the principal part of the monthly return of interest, the two parts together form the monthly repayment amount. This method can be flexibly according to the schedule of repayment capacity planning repayment borrowers, truly meet the personalized needs. The client application's financial planning ability of this method.
34 in one hand and individual housing transactions, registration of mortgage borrowers did not run in before the purchase of housing, have () provided stages or full guarantee.
A Broker's Firm
B has secured a capacity of third people
C developers
D borrowers
Answer: C
The] by the bank to purchase the housing developers purchase of individual housing loans, the borrower with the purchase of housing as collateral, mortgage registration no good in the borrower before buying houses, with stage or process guarantees from developers.
There are about 35 secured liquidity loan interest rate is not correct is ().
A loan period within 1 years (including 1 years), the implementation of the contract rate of interest, meet the statutory interest rate adjustments are not above
B loan period within 1 years (including 1 years), the contract period in case of adjustment of the legal interest rate can be fixed rate mode
C more than 1 year loan period, the contract period when the statutory rate adjustment on a monthly basis during the term of the contract, the annual seasonal adjustment
D more than 1 year loan period, the contract period in case of adjustment of the legal interest rate can be fixed rate mode
Answer: B
The ACD three is a correct statement about secured loans interest rates.
Credit transaction information of personal credit information collected 36 credit system in (), not including.
A bank credit information collection
B credit card information
C quasi credit card information
D spouse identity
Answer: D
[analysis] according to the relevant provisions, ABC three is the credit transaction information of personal credit information; D belongs to the personal credit information in the basic personal information.
37 () is a reflection of the personal information of the employment situation, work experience, occupation, industry, professional title, income etc..
A personal identity information
B residential information
C personal occupation information
D credit transaction information
Answer: C
[say] to meet personal occupation in the analytic definition of information.
About 38 of personal business loans, not correct is ().
The A issued to engage in legal business personal
B can be divided into personal business loans and personal business loans,
C relative to individual housing loans, personal business loans risk is more easy to control
D borrowers the loans for the purchase of commercial housing orientation
Answer: C
The] personal business loans in addition to the borrower's Bank also needs to be understood, the workings of the borrower enterprises understand in detail, and to control the operation of funds of the enterprises, to ensure that the loan will not be diverted. Therefore, the risk control difficulty personal business loans more.
39 when the bank is only one or several products, the marketing organization should take () marketing organization.
A marketing organization
B marketing organization
C market marketing organization
D regional marketing organization
Answer: A
The bank] when only one or a few types of products, or bank products operating in much the same way, or the bank the main function of business functions like marketing, should adopt intelligent marketing organization.
Processing method of 40 credit. The error is ().
A credit service center received the commercial bank to submit the corrected information, shall be corrected within 2 working days
B the credit service center shall, within 10 working days after the acceptance of objection to the application, provide a written reply to the objection to the applicant or the people's Bank Chinese credit management department
C to apply to the people's Bank Chinese objection credit management department shall, within 2 working days after receiving the credit service center written reply and the corrected credit reporting date, to the objection to the applicant
D for the information with demurral cannot be verified, the credit service center shall allow the objection to the applicant on dissent information note personal statement
Answer: B
The credit service center shall, within 15 working days after the acceptance of objection to the application, provide a written reply to the credit management department of the people's Bank of Chinese objection to the applicant or to the objection to the application
41 the bank's personal loan customers age should be in ().
A 16 ~ 65 years old
B 16 ~ 60 years old
C 18 ~ 65 years old
D 18 ~ 60 years old
Answer: C
[personal loans of bank customers shall be a natural person with full civil capacity, at the age of 18 (including) - 65 years (inclusive).
42 on the period of guarantee debt transfer view, incorrect is ().
A of suretyship agreed in the contract period, the creditors according to principal creditor's right to the third person, if not otherwise agreed, the guarantor in the original guarantee to assume responsibility for security range
B the creditor and debtor agree to alter the principal contract, if not otherwise agreed, without obtaining the written consent
C guarantee period, the debtor creditor permits transfer of debt, they shall obtain the written consent
D guarantee period, guarantee people without consent to the assignment of debt, no longer bear the liability of guarantee
Answer: B
The creditor and debtor agree to alter the principal contract, they shall obtain the written consent of the people, without written consent of the guarantee, the guarantor will not bear the liability of guarantee.
The 43 steel plant to bank loans, the local public hospital (guarantee).
A can
B can't
C as long as a bank can accept
D has the corresponding property the ability to
Answer: B
The hospital belongs to the undertakings for public welfare purposes, may not provide guarantee.
44 personal auto loans to buy cars for the car, the loan amount may not exceed the purchase price (car).
A 80%
B 70%
C 60%
D 50%
Answer: A
The use of personal auto loans to buy cars for the car, the loan amount may not exceed 80% of the price of cars.
45 characteristics of a debt law does not include ().
A with the benefit of clear
B is generally applicable to the time limit within 1 years (including 1 years) loans
C is generally applicable to the period of 1 years loans
D personal business loans loans are often used in debt service due the first method
Answer: C
The] debt service due time also called the final settlement law, refers to the borrower loan principal repaid the loan maturity, with the benefit of clear. This method is generally applicable to the time limit within 1 years (including 1 years) loans.
46 for the guarantee of individual housing loans for a period not exceeding () years of the loan, the loan amount may not exceed the purchase of housing value ().
A 5, 50%
B 5, 60%
C 10, 50%
D 10, 60%
Answer: A
The] in general, only provides the guarantee by way of security, is only applicable to the loan period of not more than 5 years (including 5 years) of the loan, the loan amount may not exceed the purchase (build, overhaul) 50% of a home's value.
47 mortgage guarantee of individual housing loans at the borrower collateral material, should investigate ().
A and the legitimacy
B future changes in the value of the collateral
The legitimacy of C mortgage possession of collateral
D the value of the mortgaged property and existence condition
Answer: B
[analysis] take collateral way of individual housing loans at the borrower collateral material, should be investigated in future changes in the value of the collateral.
The main content of the credit risk of 48 commercial housing loans (not included).
A borrower repayment capacity changes
B repayment willing to change
C commercial housing rental situation changes
D guarantee repayment capacity changes
Answer: B
[main contents of credit risk of commercial housing loans include: 1. The borrower repayment capacity changes. The commercial housing rental situation changes. The guarantee repayment capacity changes.
49 the following about the laid-off workers microfinance loan isn't correct ().
A non profit project jot secured loan, do not enjoy the financial subsidy
B laid-off workers microfinance loan interest rate loans in the provisions of the central bank interest rates over the same period basis can float
C profit microfinance loan, to enjoy the full financial discount
D overdue, prolong period profit microfinance loan does not enjoy the financial subsidy
Answer: B
The laid-off and unemployed workers microfinance loan interest rates stipulated by the people's Bank of China lending interest rate, not broke surface.
50 the following type positioning mode (bank).
A in the market occupies a great share
B product innovation advantage
C fast response and wide marketing outlets
D asset size medium
Answer: D
The] some banks may be due to some reasons, such as just start a business or just entering the market, asset size medium, branches few, does not have the ability to leading banks are powerful impact and competition. Often these banks follow the way of leading banks follow marketing.
51 China banking marketing personnel from the business do not include ().
The business manager of A company
B fund manager
C retail business manager
D wholesale business manager
Answer: D
The Chinese banking marketing personnel from the business includes: the company's business manager, retail manager, financial manager.
52 the following about the housing accumulation fund deposit is more, right is ().
A each employee can have more than one housing provident fund house purchase account
B new redeployment of staff transferred to the unit from the next month paid housing provident fund
The approval of C workers and units of housing provident fund deposit ratio by the housing provident fund management committee
D unit shall be the unit owner and workers remitted to the state housing provident fund housing provident fund account
Answer: D
The] each employee can have a housing provident fund house purchase account; new redeployment of staff transferred to the unit from the date of payment of wages has paid housing provident fund; workers and units of housing provident fund deposit ratio shall not be less than the average wage of workers in the previous year 5%, specific quantity of the housing provident fund management committee draft.
53 commercial loans, to the third party guarantee, surety undertake ().
A joint and several liability can be revoked
B joint and several liability cannot be abolished
General responsibility C irrevocable
D general liability can not be revoked
Answer: B
The commercial loans, to the third party guarantee, guarantor shall bear joint and several liability can not be revoked.
54 the following does not belong to personal business loans secondary loan is ().
A China bank personal commercial housing loan
B traffic bank personal loans shops
Personal mortgage loan with construction machinery of China Everbright Bank C
D China Construction Bank personal loan to help the industry
Answer: D
The] special loan refers to the purchase or lease of commercial housing orientation and mechanical equipment Bank issued to the individual, and the main source of repayment is composed of operating cash flow loans. The special loans include individual commercial housing loans and personal loans business equipment. Commercial housing loans is the bank issued to the individual, for directional purchase head or leasing commercial real needed funds such as personal loans, commercial real Chinese bank loans, Bank of communications, personal loans shops. Equipment loan refers to the issuing bank, to personal loans required did not prepare the purchase or lease of the production and business operation activities, such as the China Everbright Bank mortgage loans personal construction machinery. And the Construction Bank Chinese personal loan to help the industry belongs to the secured loans.
55 the following about personal education loans, incorrect is ().
A personal teaching table with social welfare policy loans, a higher degree of participation
B national student loan implement "fiscal interest discount, risk compensation, credit granting, dedicated and repay" principle
C commercial student loan implement "part of the self, the effective guarantee, dedicated and repayment of the principle"
D and other personal loans, personal educational loan risk degree is relatively low
Answer: D
The] personal educational loans for credit loans, the risk is relatively high. Personal education loan borrowers for the students, and students are no income groups, there is no ready-made assets as loan guarantees, and personal educational loans for credit, such as the national student loan. At the same time, personal educational loan repayment relies mainly on students after graduation work income, coupled with the student credit level of uncertainty, the risk is relatively high.
56 one of the earliest start housing loans banks are ().
A China bank
B China Construction Bank
C ICBC
D China Agricultural Bank
Answer: B
The Construction Bank China opened housing savings and housing loan business in 1985, is one of the earliest open housing loan business of state owned commercial banks.
57 the following on the second-hand housing loans to individuals that are correct (,).
A commercial banks and real estate Broker's Firm is the relationship between the agent and the principal
B is a Broker's Firm only agent bank of second-hand housing loan business
C a bank can only choose an agent as a long-term partner
D in the lending process, agents play a full security role
Answer: A
The real estate Broker's Firm and commercial banks is the relationship between the agent and the principal.
58 individual housing loans (process).
A to receive and investigate - signing and issuing, review and approval, loan and archives management
B to receive and investigate and review and approval, signing and issuing, loan and archives management
C review and approval, to receive and investigate the signing and issuing credit - - and file management
D review and approval, signing and issuing, accepting and investigating the loan and archives management
Answer: B
The individual housing loan business operation process including loan to receive and investigate, review and approval, signing and issuing and loan assets and archives management four links.
59 special loans is not included ().
A personal commercial housing loan
B personal loan business equipment
C personal home loan
D equipment loans
Answer: C
The special loans include individual commercial housing loans (hereinafter referred to as the commercial housing loans and personal loans business equipment) (hereinafter referred to as the equipment loans).
(60) refers to the issuing bank to personal loans to solve the problem of shortage of funds, the public and their spouses or immediate family medical treatment of injury.
A individual housing loans decoration
B personal consumer durables loans
C personal medical loan
D personal tourism consumption loans
Answer: C
The] according to the definition of personal medical loans, personal medical loan refers to the loan of the bank issued to the person, solve the problem of capital shortage of people and their spouses or immediate family medical treatment of injury.

61 market positioning to maximize the bank's potential principle is ().
A play advantage
B reduce the difference
C objectives
D feature
Answer: C
The] banks should consider global strategic objectives in the market positioning, symmetry and bank localization should be slightly higher than the bank's own ability and market demand. This is an implicit goal driven, it can maximize the bank's potential, and the potential maximum.
62 do not belong to the "false loan" behavior is ().
A has no special reason, unsalable properties suddenly hot
B development company staff or related parties to concentrate on buying the same property
C borrowers due to close down of company termination payments
D the borrower's down payment than their delivery or no actual delivery
Answer: C
The] "false loan" behavior has some common features, including no particular reason, unsalable properties suddenly hot; there is no special reason, property prices and the surrounding property compared significantly higher; development company staff or related parties to concentrate on buying the same property, or a person to buy more sets of; not suit the borrower income proof and age, occupation, over a period of time to apply for loan; the borrower to purchase housing location, towards, floors, apartment layout information, launch time is closely related to the purchase of housing is not very understanding; the borrower's down payment than their delivery or no actual delivery; more borrowers repayment account deposit less, before the repayment by the same or the same unit transfers or cash payment to the borrower repayment repayment; collective interrupt.
63 the following, do not belong to that loan or credit card overdue record does not match with the actual types of objection is ().
A others fake or theft of personal identity to obtain credit or credit card
B loan as agreed by the unit or Guarantee corporation or other institution commutation, but they are not timely repayment to the bank causes overdue
C for personal credit card never used because owe fee caused by overdue
D's not clear bank confirmed overdue rules
Answer: A
The] according to the regulations, BCD three are considered loans or credit card overdue record does not match with the actual and the occurrence of cases; A belongs to think a loan or credit card I never applied for a situation.
64 the following statements is not true ().
A personal housing decoration loan period is generally 1 to 3 years, the length of not more than 5 years (including 5 years)
B some banks personal housing decoration loan amount is not more than 200000 yuan
C personal consumer durables loans generally within 1 years, the longest for 3 years (including 3 years)
D female personal consumer durables loans for a period of not more than 60 years old
Answer: D
The women's personal consumer durables loans for a period of not more than 55 years old.
65 the following options, not a personal credit loan borrowers necessary conditions is ().
A in the China territory have a fixed residence, a local town resident accounts, Chinese citizens with full civil capacity
B has a legitimate and have a stable income and good occupation, have the ability to repay the loan principal and interest
C, law-abiding, no illegal behavior and bad credit record
D offers effective bank approved as a pledge
Answer: D
The] ADC three are the basic conditions for the personal credit loan borrowers need to possess; D is the basic condition of personal loan borrowers, personal credit loans do not need to pledge collateral.
66 provident fund housing loans to individuals within 90 days overdue loans, the measures that should be taken is ().
A telephone collection
B issued a "notice to the borrower repayment"
C disposal pre borrowers collateral agreement
D filed a lawsuit to the borrower
Answer: A
The] if the borrower violation of the loan contract did not repay the loan principal and interest on time, in full, lending banks generally take the collection measures: late 90 days, SMS, telephone and letters and other ways of collection; if the borrower is not more than 90 days to fulfill the repayment obligations, will be issued a "early repayment notice" to the borrower, have the right to require the borrower to repay all the money, and pay the overdue period penalty; if the "early repayment notice" repayment period expires, not to perform the obligation of repayment, the borrower will deal with collateral agreement; overdue for more than 180 days, will refuse to repayment of the borrower in litigation, to the disposal of collateral to dispose of the mortgaged property, the proceeds used to repay the loan interest, penalties and principal.
67 on the personal car loan statement is correct ().
A can not limit the renewal times but the extension period may not exceed one year
B can only be extended once and the extension period shall not exceed one year
C can not limit the extension number and extension can be longer than a year
D can only be extended once but can be longer than one year extension
Answer: B
The bank usually specified loan can only be extended once, the extension period shall not exceed one year, during all the loan period should not exceed the longest term bank.
68 the following, secured loans required, and commercial housing loan does not require application is ().
A valid identity documents
B borrowers run enterprise business license
C clear the payment plan and related information
D bank loans approved borrowers to repay the loan documents
Answer: C
The] ABD three common requirements for secured loans and commercial housing loan application materials; C is secured loan liquidity requirements, but no requirements for commercial housing loan materials.
69 secured loans loan and file management, is not in need of special attention ().
The progress of A project inspection
B enterprise financial management status check
C borrowers of inspection
D daily visits to enterprises
Answer: C
The] C belongs to the secured loans and commercial housing loans loan and archives management should focus on the part of the ABD three; for secured loans loan and archives management needs special attention in part.
70 the people's Bank of Chinese credit management department should be in receipt of personal objection to the application () in the objection application to the credit service center.
A 2 working days
B 7 working days
C 10 working days
D 15 working days
Answer: A
[analysis] according to the relevant provisions, the people's Bank of China credit management department should be received within 2 working days of personal objection application within the objection application to the credit service center.
71 the following property may not be mortgaged is ().
A mortgage all bonds
B mortgage all the houses
C the mortgagor of land use rights
D mortgages are all means of transport
Answer: A
The A belongs to a pledge.
According to the "security law" provisions, the following property can be mortgaged:
The mortgagor all the houses and other fixed objects on the ground;
The mortgagor all machines, transportation vehicles and other property;
The mortgagor has the right to dispose of state-owned land use rights, buildings and other fixed objects on the ground;
State owned machines, means of transportation and other property of the mortgagor has the right to dispose of according to law;
The mortgage contract according to the law and the contract letting party agrees to the right to the use of barren hills, barren, barren hillocks mortgage, wasteland barren land;
The other property that may be mortgaged according to law.
Mark 72 credit degree is ().
A accounting statements of enterprises
The business license of enterprise B
C corporate credit ratings
D enterprise guarantee
Answer: C
[credit] enterprise is a sign of analytic enterprise credit degree.
73 the special loan repayment source is the main ().
A operating cash flow
B auction the collateral or pledge to get the cash
C loan made cash
D financing cash
Answer: A
The special loan refers to the purchase or lease of commercial housing orientation and mechanical equipment Bank issued to the individual, and the main source of repayment is composed of operating cash flow loans.
74 personal car loans operational risk prevention and control measures are not included ().
A holds the personal car loan regulations
B detailed investigation and repayment ability of customers
C familiar with the management policy of operational risk
The D specification operation
Answer: B
The B is the credit risk prevention measures.
75 marked the mark officially started the domestic housing loan business is (the).
A 1992 Banking Department issued relevant management measures of housing mortgage loans
B China Construction Bank in 1985 China for housing loan business
C 1995 "Trial Measures" management of individual housing loan guarantee issued
D 1998 promulgated "individual housing loans management approach"
Answer: C
The] 1995 years, the people's Bank of Chinese successively promulgated "individual housing loans management measures" and a series of individual housing loan system, marks the official started the domestic housing loan business.
76 the use of provident fund individual housing loans to buy second-hand housing, the maximum loan amount does not exceed the purchase of housing price (of).
A 60%
B 70%
C 80%
D 90%
Answer: B
The use of provident fund individual housing loans to buy second-hand housing, the maximum loan amount does not exceed the purchase of housing 70% of the total price.
77 the following error is ().
The A extension is of interest, for more than 6 months, since the renewal date, according to the listing of the 1 year period loan interest rate
B personal credit loan period is generally 1 years (including 1 years), the length of not more than 2 years
C the term of the loan in 1 years (including 1 years) within the monthly in arrears, monthly, quarterly or a principal repayment methods
D loans for more than 1 years, the monthly repayment of principal and interest repayment
Answer: B
The personal credit loan period is generally 1 years (including 1 years), the length of not more than 3 years.
78 commonly used personal loan repayment is ().
A debt service due time
B matching interest repayment law
C graduate repayment method
D constant progressive repayment method
Answer: B
The commonly used individual housing loans repayment methods including matching interest repayment law and matching repayment of principal Act two.
79 in the individual housing loan business, the loan approval processes control main business risk does not include ().
A not according to independent justice principle approval
B not according to the examination and approval authority loans, the loan - authorized to release
Examination of the contents of C approver corresponding review lax, resulting in loans to do not meet the conditions of the borrower
D and the borrower signed contract is invalid
Answer: D
The] loan approval link main business risk control points: ① not according to independent justice principle approval; ② not according to the examination and approval authority makes loans, loans over authorized to release; the corresponding content review approval review lax, resulting in loans to do not meet the conditions of the borrower.
80 at present, the personal credit rating system is the main source of information ().
A business department
B commercial banks and other financial institutions
C Department of Justice
D watchdog
Answer: B
The] at present, personal credit system is the main source of information for commercial banks and other financial institutions, included information includes basic information, personal loans in financial institutions, credit information security etc..
81. according to the "measures" sales of commercial property management, commercial housing sales, the construction area comprising valuation, as agreed in the contract area and the area of property rights registration error, if the contract is not agreed upon approach, is the area of error than the absolute value of more than ( ), the buyer the right to check-out.
A 3%
B 5%
C 7%
D 10%
Answer: A
The] according to the "measures" sales of commercial property management, commercial housing sales, the construction area comprising valuation, as agreed in the contract area and the area of property rights registration error, if the contract is not agreed upon approach, is the area of error than the absolute value of more than 3%, the buyer the right to check-out.
82 the following about the proxy statement, incorrect is ().
The A agent within the scope of his agency, in the principal's name in the implementation of civil law
B corporation may perform civil juristic acts through agents
The C agent has the legal status of subsidiary in agency activities
D in accordance with the law or the agreement between the two parties, should be the civil legal act performed by the principal himself, shall not be entrusted to an agent
Answer: C
The agent has the independent legal status in agency activities.
83 the following about personal consumption loans statement is incorrect ().
A personal car loan purchase vehicles according to use can be divided into the second-hand car and commercial vehicle
According to the different nature of B loans personal education loans can be divided into the national student loans and commercial loans
C national student loan implement "fiscal interest discount, risk compensation, credit granting, dedicated and repay" principle
D commercial student loan implement "part of the self, the effective guarantee, dedicated and repayment of the principle"
Answer: A
The personal car loan purchase vehicles according to use can be divided into the car and commercial vehicle; according to the registration information can be divided into the new and used cars.
84 the borrower to apply for commercial loans (conditions).
The A should be no bad credit records, evaluation standard of bad credit behavior such as formulated by the lending bank
The B family economic difficulties, unable to pay the expenses required for normal finish school
C study hard, can finish school
D honest and trustworthy, law-abiding, no illegal behavior
Answer: A
The borrower to apply for business loans, shall meet the following conditions required by the lending bank:
A. has the nationality of the people's Republic, and holds a valid identity documents;
The B. should be no bad credit records, evaluation standard of bad credit behavior such as formulated by the lending bank;
C. when necessary to provide effective guarantee;
D. when necessary to provide the legal agent written consent for the loan;
Other conditions required E. loan bank.
85 the following on the equipment loan amount is not correct is ().
A shall not exceed a maximum of the total funds required to purchase or lease equipment 70%, and the maximum loan amount may not exceed 2000000 yuan
B to pledge loan bank approved loans, loan maximum amount shall not exceed 80% of the value of the matter
C to be mortgaged property as collateral, the loan amount may not exceed the approved loan collateral value 70%
D to third party guarantee loans, bank loans to determine according to ensure people's credit rating
Answer: B
[analysis] equipment loans, loans to pledge the bank approved loans, loan maximum amount shall not exceed 90% of the value of the matter.
86 the following about personal credit information security management is not correct is ().
A commercial bank personal credit report shall be made by the written authorization of the query
B commercial bank only in the loan, credit card, guarantee business, or the management after loan, credit can view the personal credit report
C personal information than bank deposit security
D commercial bank if you break the rules can be fined 10000 yuan to 30000 yuan fine
Answer: C
The] storing personal credit report of the database is very safe. Personal information is through the security line from the commercial banks to the credit information center of personal credit information database, without any human intervention in the process, the computer automatic processing. The security of the whole system adopts the most advanced computer anti-virus and anti hacker attacks, the security of personal information like bank deposits.
87 individual housing loan payment amount is generally according to the purchase of housing price less the price not less than (number) to determine the down payment after.
A 15%
B 20%
C 25%
D 30%
Answer: B
The individual housing loans credit is based on the general quasi purchase (build, overhaul) housing prices to deduct the price of not less than 20% down payment after the number to determine.
88 the borrower performance guarantee, insurance liability and treatment against (quality) of collateral still fails to repay loan belongs to the ().
A focus on loan
B subprime loans
C doubtful loan
D losses on loans
Answer: D
The] loss loan: the borrower to repay loans; performance guarantee, insurance liability and treatment against (quality) of collateral loans and the borrower fails to repay after death, or in accordance with the "Regulations of the people's Republic of general principles of civil law", the declaration of a person as missing or dead, with its property or estate settlement, still fail to repay the loan the.
(89) reflects the enterprise's profit ability and management efficiency.
A sheet
The B statement
The C statement of cash flow
The D statement of changes in equity
Answer: B
The income statement reflects the enterprise's profit ability and management efficiency.
90 can be mortgaged property as collateral, the loan amount may not exceed the approved loan collateral value ().
A 50%
B 70%
C 90%
D according to the guarantee of credit rating to determine
Answer: B
[analysis] in accordance with the relevant provisions of the mortgage property as collateral, the loan amount may not exceed the approved loan collateral value 70%.Source: Examination

Two, multiple-choice questions
(five options for each of the following questions are given, there are two or two or more in accordance with the requirements of the subject, please select the appropriate options).
1 according to the use of the products, can be divided into personal loan products ().
A individual housing loans
B personal car loan
C personal consumption loans
D personal mortgage loan
E personal business loans
Answer: A, C, E
The personal loan products according to use can be divided into individual housing loans, personal consumer loans, personal business loans. B is a kind of personal consumption loans, while D is a kind of classification according to the way of security.
2 the following individual housing loans is ().
A individuals to purchase shops
B person in the rural housing
Individual purchase of houses in the town of C
D's big repair houses
E personal rental shops
Answer: C, D
The] individual housing loans refer to the lender to a borrower for the purchase of ordinary housing loans. Individual housing loans, including personal housing loan, personal housing accumulation fund loans and individual housing loan portfolio.
3 according to the use of the products, personal loan products can be divided into ().
A individual housing loans
B personal business loans
C personal consumption loans
D personal car loan
E personal education loans
Answer: A, B, C
The personal loan products can be divided into individual housing loans, personal business loans, personal consumption loans. Personal auto loan and personal educational loans to individual consumer loans.
Micro environment of the 4 banking markets refers to ().
A credit funds supply and demand
B bank internal resources
Strength and strategy of C interbank competition
D bank's own strength
Credit demand and motivation for E customers
Answer: A, C, E
The micro environment includes credit capital supply and demand, customer credit demand and motivation, interbank competition strength and strategy. BD belongs to the bank's internal environment.
The 5 banks in the marketing decision of (first) survey analysis.
A customer demand
B rivals
C changes in the financial market
D macro economic environment
E other bank interest rates
Answer: A, B, C
The bank prior to the marketing decision, should first be a full investigation and analysis to the needs of customers, competitors and market trend of internal and external market environment.
6 belong to the "direct style" personal loan marketing mode is ().
A buy a house to enjoy a one-time payment discount
B part of tax relief
C insurance, lawyers and notaries one-stop service
D expense deduction
E choose the nearest management network
Answer: A, B, C, D, E
[features analysis] "direct style" personal loans to buy a house when the marketing mode is to enjoy a one-time payment discount, discount prices, including pay less tax, insurance, lawyers and notaries one-stop service, all kinds of tax concessions, guarantee way more flexible, choose the nearest to dot, not subject to geographical restrictions.
Including the SWOT method to analyze the market environment (7).
The advantage of A
B disadvantage
C opportunity
The D threat
The results of E
Answer: A, B, C, D
[method in the analysis of the S analysis of] SWOT (Strength) W (Weak) represents the advantage, disadvantage (Opportunity) said, O said the opportunity, T (Threat) said that the threat.
8 the following about individual housing loan cooperation unit positioning statement is correct ().
A hand of individual housing loans, commercial banks the main cooperation unit is the real estate developers
B second-hand housing loans to individuals, commercial bank's main partners is a real estate Broker's Firm
C between commercial banks and real estate Broker's Firm is the relationship between the agent and the principal
D Corporation is an important reference factors banks choose partners
Before E in the borrower purchased houses no good mortgage registration, provide the stage or process guarantees from developers
Answer: A, B, D, E
[analysis] between the real estate Broker's Firm and commercial banks is the relationship between the agent and the principal.
9 customer credit demand including ().
A has been the realization of demand
B to achieve the demand
C has developed the demand
D development needs
E the special needs of customers
Answer: A, B, D
[] customer credit demand analysis includes three forms, which are realized, to achieve the demand of demand and will be the development of demand.
10 from the bank's interests, should review each individual housing loans ().
A integrity
B compliance
The feasibility of C
The effectiveness of D
E economy
Answer: B, C, E
The] loan approval on the basis of various bank housing loans to individuals and the related regulations, combined with the national macro-control policy or industry investment policy, review each individual housing loan business of interest from the bank's compliance, feasibility and economy, according to the borrower's solvency and collateral sufficiency and feasibility condition, analysis of the business is expected to bring to the bank profit and risk.
11 bad housing loans to individuals including (,).
A normal loans
B focus on loan
C subprime loans
D doubtful loan
E losses on loans
Answer: C, D, E
The] bad housing loans to individuals including five tier classification of three categories of loans, secondary, doubtful and loss class loan. The bank should be in accordance with the provisions of banking supervision departments regularly on bad housing loans to individuals identified. The bank must be timely in bad loans in the analysis, establish bad housing loans to individuals account, implement the responsibility of bad loans non-performing loan recovery, real-time monitoring.
12 provident fund housing loans to individuals with the following characteristics ().
A mutual
B universal
C high interest rates
D long period
E low interest rates
Answer: A, B, D, E
[analysis] compared with the commercial loans, provident fund individual housing loan interest rates are relatively low.
Check 13 individual housing loan includes ().
A on the borrower's check
B collateral to check
C to pledge check
D is for developers and projects and cooperation mechanism to check
E surety inspection
Answer: A, B, C, D, E
[check analytic] individual housing loan includes on the borrower's inspection, to ensure the people's inspection, the collateral to pledge check, check, points to developers and projects and cooperation of inspection.
14 other agencies including the risk prevention and control measures ().
A in-depth investigation, the choice of cooperation mechanism, the integrity of the credit
B business cooperation does not heavily rely on the cooperation mechanism
C strict implementation of the access and exit system
D effective use of margin system
E strict review system
Answer: A, B, C, D, E
[risk analysis] other cooperation mechanism of prevention and control measures include in-depth investigation, the choice of cooperation mechanism of credit, the integrity of business cooperation; not overly dependent on cooperation mechanism; the strict implementation of the withdrawal system access; the effective use of margin system; strict implementation of return system.
15 the following about personal car loan amount is true about ().
A car loan amount may not exceed 80% of the price of the car
B commercial vehicle loan amount may not exceed 70% of the price of the car
C used car loan amount may not exceed 50% of the price of the car
D new car price refers to the automobile the actual transaction price and car manufacturers announced price in both high
E used car price refers to the actual transaction price and car both bank loans approved assessment in low price
Answer: A, B, C, E
The new car price refers to the automobile the actual transaction price and car manufacturers announced price in the low.
Including 16 institutions of cooperation management risk prevention and control measures ().
A strengthen the loan before the survey, credit status and check dealer
B in accordance with the relevant requirements of banks, access to strictly control the cooperative security mechanism
C dynamic monitoring cooperation guarantee organization management, financial strength and ability to guarantee, the timely adjustment of the guarantee amount
D real-time monitoring whether maintain full deposit guarantee
E in strict accordance with the relevant provisions of draft performance guarantee insurance cooperation agreement, contract performance guarantee insurance for the exemption clause, claim, etc.
Answer: A, B, C, D, E
[including] cooperation mechanism analysis of management of risk prevention and control measures:
Strengthen the loan before the survey, credit status and check dealer.
② in accordance with the relevant requirements of the bank, strictly control access cooperative security mechanism, dynamic monitoring cooperation guarantee organization management, financial strength and ability to guarantee, the timely adjustment of the guarantee amount.
③ by dealers, professional guarantee agency secured loans, should monitor whether maintain full deposit guarantee.
Insurance to ensure the cooperation with the insurance company performance, should draft the agreement strictly in accordance with the relevant provisions, contract performance guarantee insurance management, claim, the exemption clause and other matters, to avoid later because of the cooperation agreement is invalid or leaks cannot claim, loan losses caused by.
17.2004 years of the promulgation of the "auto loan management approach" and in 1998 promulgated the "auto loan management approach (pilot)" at different points including ().
A adjusted the lender subject range
B refinement of the borrower types
C reduced the loan purchase a car varieties
D increased the second-hand car loans
E extended the loan purchase a car varieties
Answer: A, B, D, E
The] "car loan management approach" and "auto loan management approach (pilot)" are very different, mainly in the following points: first, adjust the lenders subject range; secondly, the borrower type refinement; finally, extended the loan purchase a car varieties. In addition, "auto loan management approach" clearly stipulates, purchase a car can also apply for loans in the purchase of second-hand car.
18 the following is operating risk point is ().
A by malicious fraud, fraud and malicious taofeizhai loan transfer of assets
B the loan applicant qualification is not in conformity with the relevant provisions of bank personal car loan management approach
C collateral there are people or all authorization for the verification
D bank survey on the subject qualification is often a mere formality, not strictly enforced "interview" system
E loans are not at the value of the mortgaged property provisions ratio
Answer: B, C, D, E
The] operation risk mainly in the following aspects: the loan applicant qualifications are in conformity with the relevant provisions of bank personal car loan management approach; submit the applicant materials are authentic, lawful; the loan applicant guarantee measures are in full amount, effective. A belongs to the content of credit risk.
19 the following risks to personal auto loan cooperation mechanism is ().
A lawless elements to set up shop Piandai false
B guarantee insurance liability limit the risk gap
The C insurance company to terminate the insurance contract in accordance with the law
D insurance company to "exemption clause" refusing to undertake the insurance liability
E borrowers falsified application materials for loans
Answer: A, B, C, D
The E belongs to the credit risk and non risk management cooperation mechanism.
20 the following, belong to the working capital loan is ().
A China bank personal commercial housing loan
B China bank personal business and investment loan
C China Construction Bank personal loan to help the industry
D "happiness -" personal unsecured loan
E "are credited to send" personal unsecured loan
Answer: B, C, D, E
The DE two belongs to unsecured loans; BC belongs to the secured loans; A belongs to the commercial housing loan.

21 of the payment of commercial housing loans, to implement the conditions for the ().
A ensure that the borrower's down payment has been paid in full or in place
B borrowers purchased commercial housing for the new building, to confirm the project schedule in accordance with the relevant provisions of the people's bank lending conditions
C the need for insurance, notary procedures, the relevant formalities have been completed
D to take against (quality) and loans, to implement the loan (matter) and procedures
E to natural persons as the guarantor, should be clear and the implementation of specific operating procedures to ensure the responsibility
Answer: A, B, C, D, E
The implementation of commercial housing loan conditions:
A. ensure that the borrower's down payment has been paid in full or in place;
B. borrowers purchased commercial housing for the new building, to confirm the project schedule in accordance with the relevant provisions of the people's bank lending conditions;
C. the need for insurance, notary procedures, the relevant formalities have been completed;
D. to take against (quality) and loans, to implement the loan (matter) and procedures;
E. to natural persons as the guarantor, should be clear and the implementation of specific operating procedures to ensure the responsibility.
22 bank seize borrowers repayment ability, risks remain considerable difficulty, mainly exist (reason).
A is not yet perfect personal property registration system and personal tax registration system
B national personal credit rating system remains to be improved
C bank is difficult to grasp the overall situation of the borrower's assets and liabilities and make appropriate credit decision
D domestic disciplinary system is still not perfect
E of active fraud or assist the fraud is lack of strong disciplinary measures
Answer: A, B, C, D, E
The bank seize borrowers repayment ability, risks remain considerable difficulty, mainly has the following reasons:
A. is not yet perfect personal property registration system and personal tax registration system, personal credit system nationwide remains to be further improved, the bank is difficult to grasp the overall situation of the borrower's assets and liabilities and making the appropriate credit decision.
B. domestic disciplinary system is not perfect, the borrower unit, intermediary agencies to assist borrowers issued false documents including false income proof, (such as proof of income, such as business license) phenomenon more generally, on the initiative of fraud or assist the fraud is lack of strong disciplinary measures.
23 to pledge secured loans, pledge rights include ().
A certificate of deposit
B bonds
C electronic accounting
D book entry treasury bonds
E personal life insurance policy
Answer: A, B, C, D, E
The] to pledge secured loans, pledge rights include regular savings deposits, bonds (electronic billing) and book entry treasury bonds, personal life insurance.
24 commercial housing loans, loan business department audit notice, after receiving the notice of the loan, (review).
A authenticity
The B legitimacy
C rationality
D integrity
E targeted
Answer: A, B, D
The commercial mortgage loans to be carried out before the audit. Audit of loan notice, business departments receive loans notice, to verify its authenticity, legitimacy and integrity.
25 credit archives management refers to commercial housing loans for the whole process ().
A loan data collecting, filing the registration, preservation
B file to borrow (check) reading management
C file transfer and management
Return the D file and destruction
The loss of the loss of E files
Answer: A, B, C, D
The] according to the definition of archives management after loan, after the loan file management refers to the commercial housing loans loan data collecting, filing registration, preservation, borrow (check) read the management, transfer and management, returned and destroyed the whole process.
Characteristics of 26 personal business loans is ().
A wide range of application, can meet the financing demand of different levels of private enterprises
B Bank approval procedure is relatively simple
C loan period is relatively short
D the use of the loans diversity
E risk control difficult
Answer: A, B, C, D
[character analysis] personal business loans include the wide range of application, the bank approval procedures is relatively simple, the loan period is relatively short, the use of the loans and diverse, complex factors, risk control difficulty
Including 27 commercial housing loan contract modification and termination condition ().
A needs to change or cancel the loan contract in accordance with the law, and must be approved by the loan agreement, negotiation is not reached before the loan contract shall continue to be valid
B for touch (Qualitative) and change of registration, should be to the original arrival (quality) and the registration department to change against (quality) and registration and other related procedures
C ensure that people lose ability of guarantee or surety, division, merger, bankruptcy
D borrowers in repayment period of death, death, declared missing
E borrowers lost the capacity for civil conduct
Answer: A, B, C, D, E
The] commercial housing loan contract modification and termination conditions include: borrowing needs to change or cancel the contract in accordance with the law, and must be approved by the loan agreement, negotiation is not reached before the loan contract shall continue to be valid; for arrival (quality) and the change of registration, should be to the original arrival (quality) mortgage registration department to handle the change against (quality) and registration and other related procedures; when the guarantor lost assurance ability or guarantor bankruptcy, merger, separation occurs, the borrower shall notify the bank loan in a timely manner, and to provide loan guarantees for bank recognized; the borrower in the repayment period of death, death, the declaration of a missing or loss of civil. Behavior ability, if not the heir or legatee, or the heir, legatee refuse to perform a contract for loan of money, the lending bank has the right to recover the loan ahead of schedule, and the disposition of collateral or qualitative according to law, to return the unpaid part.
Including the investigation of the repayment ability of borrowers (28).
A understand the stability of the income level and authenticity
The B level of income to repay the loan coverage
C the borrower's other income
Other asset returns D borrowers
E borrowers and their family has total assets of state
Answer: A, B, C, D, E
[investigation analytic] repayment ability include basic income, other income borrowers borrower income, other assets income, the borrower and their families has total assets of state. The borrower basic income to grasp the following aspects to understand the stability of the income level, including the investigation of the existing units, the existing job tenure, engaged in the industry and prospect and stability; to judge the authenticity of the income level, combining the education degree, working years, position information on the rationality of income level, make the experience, carries on the investigation, forensics when necessary; the income level of coverage to repay the loan, the loan balance principle to its customers with annual family income levels of a certain ratio of the upper limit, in principle the borrower repayment amount should not exceed the annual total family income level 80%.
29 the following about personal credit loans are correct ().
A in the China territory have a fixed residence, a local town resident accounts, Chinese citizens with full civil capacity
B has a legitimate and have a stable income and good occupation, have the ability to repay the loan principal and interest
C, law-abiding, no illegal behavior and bad credit record
D loans in the bank to open a personal settlement account
Other conditions stipulated by E line
Answer: A, B, C, D, E
The] personal credit loan applicants must have the conditions including a fixed residence in the territory of Chinese, a local town resident accounts, China citizens with full capacity for civil conduct; there is a legitimate and have a stable income and good occupation, the ability to repay the loan principal and interest; law-abiding, no illegal behavior and bad credit records; in the lending bank opened personal settlement account (agreed to bank loans from the specified personal settlement account to deduct the loan principal and interest); other conditions stipulated by the.
30 personal loans pledge loans meet the condition that the ().
A in the Chinese residence, the natural person with full capacity for civil conduct
B offers effective bank approved as a pledge
C in the Chinese territory have a fixed residence, a local town resident accounts
D has a legitimate and have a stable income and good occupation
E loans in the bank to open a personal settlement account
Answer: A, B
The CDE three is a personal credit loan object should satisfy the conditions; AB two for personal loans pledge loan object should meet the conditions.
31 people apply for loans review of data integrity and compliance is responsible for, including (review).
A application data is complete, complete, data information is reasonable, consistent
B borrower's credit is good, whether the source of repayment in full confidence
The credit relationship between C borrowers are bank loans
D the use of the loans are in accordance with the provisions of state laws, regulations and relevant policies
Whether the E loan amount, interest rate, term and method of repayment in accordance with the relevant provisions
Answer: A, B, C, D, E
The above five are the review of loan application materials review points.
32 credit personal mortgage loans, branches at all levels to include plans to apply for credit personal mortgage loans for personal consultation service content ().
A credit personal mortgage loan product introduction
B applications for mortgage credit loan conditions
C is required to provide the data
D procedures
The main clause in E contract
Answer: A, B, C, D, E
The] branches at all levels should through the consultation, window consulting, telephone banking, online banking, business promotion manual ways and channels, provide relevant information consulting services to apply for personal mortgage loans for personal credit. The main contents of consultation including credit personal mortgage products, mortgage credit loan conditions, required to provide information, procedures, the main clause in the contract (such as interest rate, time limit and the mode of repayment of the loans and loan agencies), address and contact telephone number.
Including 33 laid-off workers microfinance loan principle ().
A security issue
B credit payment
C profit discount
D dedicated
E repayment
Answer: A, C, D, E
The] according to relevant regulations, loan guarantees laid-off unemployed small follow the "guarantee payment, profit discount, dedicated, repay" principle. Special object, mainly for the re employment of laid-off workers to provide financial support.
34 within the validity period of a certain point borrowers loan amount is available by () decision.
A borrowers get loans
The value of B collateral
C approved loan amount
Total loans has been used in the D
E outstanding loan balance
Answer: C, E
The] according to relevant regulations, within the period of validity of a borrower's loan amount is available at the time of bad loans and the amount of outstanding loans under the approved loan amount, so decided to use is CE two.
35 personal travel consumer loan object should meet the conditions, including ().
The natural human A with full capacity for civil conduct
B, a local resident accounts or valid residency, have fixed and detailed address
C has a legitimate occupation and stable and reliable source of income, good credit, have the ability to repay the loan principal and interest
D a bank approved collateral or pledge
The E must choose the bank recognized reputation, high quality levels of the travel agency
Answer: A, B, C, D, E
[the individual tourism consumption loans of borrowers must meet the following conditions:
A natural person with full capacity for civil conduct;
The local resident accounts or valid residency, have fixed and detailed address;
The proper occupation and stable and reliable source of income, good credit, have the ability to repay the loan principal and interest;
The bank approved collateral or pledge, individual or unit or have sufficient capacity to compensate for the repayment of principal and interest for loans and assume joint responsibility for;
⑤ must choose the bank recognized reputation, high quality levels of the travel agency (company);
Other loan conditions and the bank.
36 the establishment of the individual credit system, mainly including ().
The establishment of A personal credit system is helpful for commercial banks to accurately judge the personal credit repayment ability of customers
The establishment of B personal credit system, to regulate the financial order, to provide a strong guarantee the prevention of financial risks
Development of C personal credit rating system, helps to identify and track risks, incentive the borrower to repay, support the development of the financial industry
D the establishment of the individual credit system is to protect the interests of consumers themselves, improve transparency
Personal credit system in E unified national can provide risk analysis for commercial banks
Answer: A, B, C, D, E
[including analytical] the establishment of personal credit rating system significance:
(1) the establishment of the individual credit system makes the commercial bank personal credit report in the loan approval will be must basis, from the system to avoid the credit risk;
(2) the establishment of the individual credit system is helpful for commercial banks to accurately judge the personal credit repayment ability of customers;
(3) the development of personal credit system, helps to identify and track risks, encourage borrowers to repay debts on time, support the development of the financial industry;
(4) the establishment of the individual credit system is to protect the interests of consumers themselves, improve transparency;
(5) the personal credit information system of national unity can provide risk analysis for commercial banks;
(6) the establishment of the individual credit system, to regulate the financial order, to provide a strong guarantee the prevention of financial risks.
37 the following, belong to is that loans or credit card overdue record does not match with the actual types of objection is ().
A others fake or theft of personal identity to obtain credit or credit card
B loan as agreed by the unit or Guarantee corporation or other institution commutation, but they are not timely repayment to the bank causes overdue
C for personal credit card never used because owe fee caused by overdue
D's not clear bank confirmed overdue rules
E unconsciousness produced overdue
Answer: B, C, D, E
The] according to the regulations, BCDE three are considered loans or credit card overdue record does not match with the actual and the occurrence of cases; A belongs to think a loan or credit card I never applied for a situation.
The economic function of 38 individual credit system is mainly reflected in the ().
A helps commercial banks and other financial institutions to control credit risk, and maintain financial stability
B and expand the scope of credit, to promote economic growth
C improved the structure of economic growth, promote sustainable economic development
D to promote the construction of social credit system
E and improve the social credit level
Answer: A, B, C
The ABC three is the economic function of individual credit information system; DE two belongs to the social function of the individual credit system.
39 the following, belong to is that a loan or credit card I didn't apply for the types of objection is ().
A others fake or theft of personal identity to obtain credit or credit card
B credit card as a unit or a friend for individuals to do, but not to the individual credit card in hand
C for personal credit card never used because owe fee caused by overdue
D forget whether for a loan or credit card
E's not clear bank confirmed overdue rules
Answer: A, B, D
[analysis] according to the regulations, ABD three is that a loan or credit card I didn't apply for the case; CE two belongs to think the loan or credit card overdue record does not match with the actual case.
In 40 the establishment of individual credit information system (meaning).
A helps commercial banks to accurately judge the personal credit repayment ability of customers, from the system to avoid the credit risk
B helps to identify and track risks, encourage borrowers to repay debts on time, support the development of the financial industry
C the protection of consumer interests, enhance transparency
D for commercial banks to provide risk early warning analysis
E regulate the financial order, the prevention of financial risks
Answer: A, B, C, D, E
The analytical] [in the establishment of the personal credit system: 1, the significance of establishing personal credit system makes commercial bank personal credit report in the loan approval will be must basis, from the system to avoid the credit risk; 2, establish the personal credit system can help commercial banks accurately judge the personal credit repayment ability of customers; 3, the development of personal credit system, helps to identify and track risks, encourage borrowers to repay debts on time, support the development of the financial industry; 4, the establishment of the individual credit system is to protect the interests of consumers themselves, improve transparency; personal credit system 5, a unified national can provide early warning of commercial banks; the establishment of 6, personal credit system, to regulate the financial order, to provide a strong guarantee the prevention of financial risks.

Three, determine the title
1 commercial banks only provide individual housing loans of RMB, no foreign individual housing loans. ()
A. on B.
Answer: B
The commercial bank Jitigong yuan individual housing loans, housing loans to individuals also provide foreign currency.
2 individual housing loans for up to 30 years. ()
A. on B.
Answer: A
The duration of individual housing loans up to 30 years.
3 customer repayment once identified, will not change. ()
A. on B.
Answer: B
The customer can according to the changes in their own needs and repayment ability, and change the way of repayment of loans banks after consultation.
4 bank products can be subdivided, the marketing organization should take the market marketing organization. ()
A. on B.
Answer: A
The] when product market can be divided, namely each different markets have different preference of consumer groups, can adopt the marketing organization structure. This organizational structure is arranged in accordance with the needs of different customers, which is conducive to the bank to open up the market, to strengthen our.
The 5 banks can only adopt a strategy. ()
A. on B.
Answer: unknown
Interest rates way junction 6 individual housing loans by the central bank to determine. ()
A. on B.
Answer: B
The individual housing loan interest, interest settlement way, by lending to determine negotiation.
7 a loan contract can choose a variety of repayment. ()
A. on B.
Answer: B
The] borrowers can choose repayment methods, a loan contract can only choose one method of repayment, the loan contract, bank loans without consent, shall not change the repayment method.
8 provident fund individual housing loan interest rates are relatively low. ()
A. on B.
Answer: A
[analysis] because provident fund individual housing loans policy sex strong, so low interest rates.
9 people first purchase a car make early contact with bank loans from the banks, the repayment ability of borrowers, credit assessment and audit, this credit is called "- type" mode. ( )
A. on B.
Answer: B
The] "- type" loans process: the car - for the required data, signed the purchase contract, banks in the dealer or the third party to make a credit investigation, loan approval, bank customers and distributors, "direct style" operation mode of the loan process is: to fill in the bank outlets personal auto loan application of bank customer credit investigation of bank loan approval, the customer and the bank signed a loan contract, the customer to the dealers selected vehicle and purchase a car to the bank to pay Shoufu bank agent, on the car and mortgage registration and bank loans - provide vehicle, thus stem description the straight type mode.
10 a loan contract and the contract review form may not be the same person. ()
A. on B.
Answer: B
[analysis] according to the relevant provisions, and loan contract and contract review form may not be the same person.
The 11 pledge loan records management, loans, "loans to depository receipts" business sector copy and archive. ()
A. on B.
Answer: B
[analysis] according to the relevant regulations, personal mortgage loans, "loans to depository receipts" business sector copy should return the credit department.
12 loan file includes information management after loan borrowers and related information, should be the original documents. ()
A. on B.
Answer: B
[analysis] according to the regulations, loan file includes information management after loan borrowers and related information, can be an original, also can copy is legally binding.
13 refers to the debtor or third mortgage transfer to the legal possession of property, the property as guaranty for the creditor's right. ()
A. on B.
Answer: B
According to the definition of the mortgage, mortgage refers to the debtor or the third person does not transfer to the legal possession of property, the property as guaranty for the creditor's right.
14 commercial bank personal credit report should be made orally authorized by the query. ()
A. on B.
Answer: B
[analysis] according to the relevant regulations, commercial bank personal credit report shall be made by the written authorization of the query.
15 to the local people's Bank credit management department for Chinese objection processing belongs to the personal credit report other basic information handling objections. ()
A. on B.
Answer: B
[analysis] according to the relevant provisions, to the local people's Bank credit management department for China objection handling are handling objections to personal settlement account information.