Business knowledge contest topic

1. Judgment correction: If a commercial bank is revoked due to the revocation of its business license, the China Banking Regulatory Commission will organize the establishment of a liquidation group to conduct liquidation. If a commercial bank fails to pay its due debts, China Banking Regulatory Commission will directly declare it bankrupt and organize personnel to carry out liquidation.

Reference answer: Wrong. If a commercial bank fails to pay its due debts, it will be declared bankrupt by the people's court according to law with the consent of the banking regulatory authority of the State Council. Where a commercial bank is declared bankrupt, the people's court shall organize the banking supervision institution of the State Council and other relevant departments and personnel to set up a liquidation group to carry out liquidation.

2. Judgment correction: If the banking financial institution has illegal operation or poor operation, and the failure to cancel it will seriously endanger the financial order and harm the public interests, the the State Council banking regulatory agency will make a proposal to the administrative department for industry and commerce, and the administrative department for industry and commerce will cancel it.

Reference answer: Wrong. The State Council Banking Regulatory Authority has the right to cancel it.

3. Commercial banks should follow the following three principles in granting credit to group customers: the principle of unity, the principle of moderation and the principle of early warning.

4. Correction of judgment: The articles of association of the banking self-regulatory organization shall be submitted to the banking regulatory authority of the State Council for approval.

Reference answer: Wrong. Report to the State Council Banking Regulatory Authority for the record.

5. Judgment correction: Banking financial institutions and their staff members may apply for administrative reconsideration or bring a lawsuit to the people's court if they are not satisfied with the punishment decision of the regulatory agency.

Reference answer: Correct.

6. Correction of judgment: During the period of takeover, institutional reorganization or cancellation of liquidation, with the approval of the person in charge of the State Council banking supervision institution, the State Council banking supervision institution may decide to prohibit directors, senior managers and other persons directly responsible from transferring or transferring their property or setting other rights on their property.

Reference answer: Wrong. The State Council Banking Regulatory Authority can't make a decision, but it can apply to the judicial organ to prohibit it from transferring or transferring its property or to set other rights on its property.

7. The Measures for the Administration of Finance Companies of Enterprise Groups stipulates that the annual audit report of finance companies shall be submitted to China Banking Regulatory Commission before each year?

Reference answer: before April 15 every year.

8, the world's oldest and largest international financial center is (A).

A London B Paris C Frankfurt D new york

9. Correct judgment: Japanese samurai bonds refer to Japanese yen bonds issued by Japanese in foreign bond markets.

Reference answer: Wrong. Japanese samurai bonds refer to Japanese yen bonds issued by foreigners in the Japanese bond market.

10. The capital market is a long-term capital market. Which of the following belongs to the capital market?

A, stock market b, bond market c, fund market d, repurchase market

Reference answers: a, b, C.

1 1. According to the liquidity of money, the money supply is generally divided into three levels: M0, M 1 and M2. What level does the resident savings deposit belong to? (3)

a、M0 B、M 1 C、M2

12. What are the main reasons for inflation? (A, B, C)

A, cost push B, structural imbalance C, demand pull D, currency depreciation

13. When a commercial bank establishes a branch in People's Republic of China (PRC), it shall allocate the amount of working capital appropriate to its business scale according to the regulations, but the sum of the amount of working capital allocated to each branch shall not exceed (c) of the total capital of the head office.

a、30% B、50% C、60% D、80%

14. The legal reasons leading to the termination of commercial banks are (b, c, d).

A. Being taken over B. Being revoked C. Dissolving D. Bankruptcy

15, which of the following are the rules that commercial banks must abide by when issuing loans? First, the borrower does not provide guarantees and does not issue loans.

B. credit loans and secured loans shall not be issued to related parties.

C the ratio of the loan balance to the deposit balance of the lending bank shall not exceed 75%.

D the ratio of the loan balance of the same borrower to the capital balance of the lending bank shall not exceed 65,438+00%.

Reference answers: c and D.

16. If a unit or individual forces a commercial bank to issue loans or provide guarantees, what punishment should be given to the directly responsible person in charge and other directly responsible personnel or individuals, regardless of whether losses are caused (b).

A. Administrative punishment B. Disciplinary punishment C. Criminal punishment D. Civil punishment

17. CBRC shall supervise and manage the market risk level and market risk management system of commercial banks according to law. The CBRC shall urge commercial banks to effectively identify, measure, monitor and (1) all kinds of market risks undertaken by various businesses.

A, control B, manage C, master D and forecast

18. TOT project financing mode means that the government of the country where the project is located or its affiliated institutions will hand over the project that has been put into operation to the operator after signing a franchise agreement with the project operator, and rely on the income of the facility in the next few years to obtain funds from the operator at one time for the construction and development of new projects. After the franchise expires, the operator will hand over the facilities to the host government free of charge. Excuse me, TOT mode does not include stage (D).

A, hand over B, operate C, own D, and build

19. Which of the following businesses belongs to the intermediate business of commercial banks (B, C, D)?

A. Investment business B. Settlement business C. Agency business

D. Custody business E. Discount business

20. 196 1 year, which bank created the world's first large negotiable certificate of deposit (CD)?

A. Chase Bank B and Morgan Stanley Bank

C, bank of England d, Citibank.

Reference answer: D.

2 1, the following is an effective management indicator (c).

A, loan quality ratio b, reserve ratio

C, debt cost ratio D, loan-to-deposit ratio

22. The project of after-tax profit distribution of commercial banks is (c).

A, business management fee b, business tax c, make up for the previous year's losses d, interest expense.

23, commercial bank marketing 4P does not include (b).

A, product b, plan c, price d, promotion e, location

24. In the history of our country, in which period, the embryonic form of bill appeared at the earliest.

A, Qin and Han Dynasties B, Han and Tang Dynasties C, Tang and Song Dynasties D, Ming and Qing Dynasties

Reference answer: c ("flying money" is similar to a draft, "posting" is similar to a bank check, "convenient money" is similar to a sight draft, and "jiaozi" is similar to a promissory note in the Tang Dynasty).

25. Macroeconomic policy management in an open economy may face internal and external equilibrium conflicts. To achieve n independent policy objectives, there must be n independent policy tools, which is called (a).

A, dingbergen's law b, mead conflict

C, Mundell's policy collocation theory D, Swan Diagram

26. The international banking supervision mode can be divided into centralized supervision mode and decentralized supervision mode. Please briefly explain what are the three types of centralized supervision mode? What type does Germany adopt?

Reference answer: one is supervised by the central bank or the government monetary authority; One is supervised by the Ministry of Finance or the Ministry of Commerce and Trade; There is also an independent government inspection department for supervision. Germany adopts the mode of supervision by an independent government inspection department.

27. When did China start to open RMB business to foreign financial institutions?

Reference answer: 65438+February 2003 1.

28. What kind of financial institution is the rural cooperative bank? Who are the main customers?

Reference answer: local financial institutions in joint-stock cooperative communities. The main service targets are farmers, agriculture and rural economic development.

29. The Interim Provisions on the Administration of Rural Cooperative Banks stipulates that the loan balance of rural cooperative banks to the same borrower shall not exceed?

Reference answer: no more than 20%.

30. What are the real estate loans mentioned in the Guidelines for Risk Management of Real Estate Loans of Commercial Banks?

Reference answer: land reserve loans, real estate development loans, personal housing loans, commercial housing loans, etc.

3 1, What risks does the Measures for the Administration of Capital Adequacy Ratio of Commercial Banks stipulate that the capital of commercial banks should resist?

Reference answer: credit risk and market risk.

32. The Measures for the Administration of Capital Adequacy Ratio of Commercial Banks stipulates that when should commercial banks meet the minimum capital requirements at the latest?

Reference answer: 65438+2007 1 October1.

33, members of rural cooperative financial institutions (shareholders) holding qualified shares, under what circumstances shall not apply for withdrawal?

Reference answer: First, the loss of the year; Second, the capital adequacy ratio fails to meet the specified requirements or fails to meet the specified requirements after withdrawal.

34. What are the related transactions referred to in the Measures for the Administration of Related Transactions between Commercial Banks and Insiders and Shareholders?

Reference answer: Credit granting, asset transfer, service provision, and other related party transactions stipulated by CBRC.

35. The Guidelines for Risk Management of Commercial Banks' Real Estate Loans stipulates that commercial banks may not issue any form of loans to real estate development projects with incomplete "four certificates". What exactly does "four certificates" mean?

Reference answer: state-owned land use permit, construction land planning permit, construction project planning permit, and construction permit.

36. What are the common methods to evaluate the internal control of commercial banks?

Reference answers: inquiry method (questionnaire, on-site interview), written document inspection method, observation method, flow chart method, sampling method, walk-through test method and stress test method.

37, commercial banks and rural credit cooperatives case special governance work what is the goal?

Reference answer: treat both the symptoms and root causes, strengthen the construction of rules and regulations, and curb illegal cases. The number of cases is declining.

38. What are the main types of market risks of commercial banks?

The market risk of commercial banks can be divided into interest rate risk, exchange rate risk (including gold), stock price risk and commodity price risk.

39. What are the internationally accepted camel rating systems?

Reference answer: capital, asset quality, management, income and liquidity.

40, the establishment of a commercial bank, should have the conditions are (b, c, d).

1. There are articles of association that comply with the Law of People's Republic of China (PRC) Commercial Bank and the Banking Supervision Law of the People's Republic of China.

B it has the minimum registered capital that meets the requirements of this law.

(3) Having directors and senior managers with professional knowledge and business experience.

D, a sound organization and management system.

4 1. What is the main purpose of off-site supervision?

Reference answer: It includes evaluating the overall situation of banking institutions, closely tracking the problematic banking institutions, and paying attention to the operation of the entire banking industry through the comparison of the same group of banking institutions, so as to give an early warning of bank risks.

42. At present, what are the main circulation methods allowed in China's national debt circulation market?

Reference answer: There are mainly treasury bonds discounting, treasury bonds spot trading and treasury bonds repurchase.

43. What are the main functions of capital adequacy supervision?

Reference answer: First, maintain public confidence in banking institutions; The second is to make up for the loss of non-performing assets; The third is to make up for the operating losses of banking institutions.

44. The effective resident period of a representative office established by a foreign-funded financial institution is: (d).

A, 6 years b, 10 years c, 20 years d, indefinite.

45. Financial markets consist of money markets and capital markets.

46. What is interbank borrowing?

Reference answer: It refers to the short-term financing between a financial institution with legal personality and a financial branch authorized by a legal person.

47. What are the characteristics of bonds?

Reference answer: repayment, safety, profitability and liquidity.

48. Correction of judgment: The natural person shares and legal person shares of rural cooperative banks should set up qualification units and investment units respectively.

Reference answer: Yes.

49. Correction of judgment: According to the Opinions of CBRC on Standardizing Shareholding in Rural Cooperative Financial Institutions, the maximum shareholding ratio of a single natural person shareholder and a single legal person shall not exceed 0.5% and 65,438+00% of the total share capital.

Reference answer: Wrong. The maximum shareholding ratio of a single legal person shall not exceed 5% of the total share capital.

50. Correct judgment: The issuance of subordinated bonds by commercial banks in the national inter-bank bond market must be approved by the People's Bank of China.

Reference answer: Yes.

5 1. Judgment correction: Off-balance sheet and off-balance sheet assets of commercial banks can be divided into bank account assets and trading account assets. Items in trading accounts are usually priced at historical cost, while items in bank accounts are usually priced at market prices.

Reference answer: Wrong. Items in trading accounts are usually priced at market prices, while items in bank accounts are usually priced at historical costs.

52. Judgment correction: Withdrawing cash from the bank will definitely not cause changes in the cash amount in the cash flow statement.

Reference answer: Yes.

53. Judgment correction: Inflation is a unique phenomenon under the circulation of value symbols, and its basic sign is that effective demand is greater than effective supply.

Reference answer: Wrong. The basic sign is that prices are rising.

54. Judgment correction: A country's import trade volume will be affected by many factors. Assuming other conditions remain unchanged, if the local currency appreciates, it will lead to a decrease in import trade.

Reference answer: Wrong. If the local currency appreciates, it will lead to an increase in import trade.

55. Correct judgment: One of the three major monetary policy tools is the deposit reserve ratio.

Reference answer: Yes.

56. Judgment correction: When the effective demand is seriously insufficient, the production capacity is largely idle, and the economy is depressed, loose monetary policy and tight fiscal policy should be implemented.

Reference answer: Wrong. We should implement a loose monetary policy and a loose fiscal policy.

57. What are the financial derivatives mentioned in the Interim Measures for the Administration of Derivatives Trading in Financial Institutions? Please list four kinds.

Reference answer: forward contract, futures contract, swap contract, option contract.

58. Correction of judgment: The buyer and the seller of commercial bills may agree on the payment term not exceeding 12 months as required.

Reference answer: Wrong. A payment term of no more than 6 months can be agreed.

59. Correction of judgment: The bank has no recourse to the written-off creditor's rights.

Reference answer: Wrong. There is still the right of recourse against the written-off creditor's rights.

60. Judgment correction: China adopts indirect pricing method for RMB exchange rate.

Reference answer: Wrong. China adopts direct quotation.

6 1. What are the three main forms for financial institutions to withdraw from the market?

Reference answer: There are three forms: dissolution, revocation (closure) and bankruptcy.

62. Judgment correction: Funds can be divided into two types: contract type and trust type.

Reference answer: Wrong. Funds are divided into two types: contractual and corporate.

63. Correct judgment: Discounting is one of the three traditional monetary policy tools of western central banks.

Reference answer: Wrong. No discount and rediscount are one of the three traditional monetary policy tools of western central banks.

64. Correct judgment: Whether the fiscal deficit can cause inflation depends on the causes of the deficit.

Reference answer: Wrong. Whether the fiscal deficit can cause inflation depends on how to make up the deficit.

65. Correct judgment: At present, China basically has only financial assets, and the central bank has no financial liabilities.

Reference answer: Wrong. In China, basically only financial assets, no financial liabilities are residents.

66. What are the two main types of indirect financing?

Reference answer: including bank credit and consumer credit.

67. Judgment correction: The biggest difference between off-balance sheet business and intermediate business lies in financial treatment.

Reference answer: Wrong. The biggest difference between off-balance-sheet business and intermediary business lies in the risks undertaken.

68. Correction of judgment: Financial asset management companies can lease, replace, write off, transfer and sell assets formed by acquired non-performing loans.

Reference answer: Wrong. Financial asset management companies can only lease, replace, transfer and sell the assets formed by the acquisition of non-performing loans, and cannot write off them.

69. Judgment correction: The traditional off-balance-sheet business of commercial banks includes loan commitment, guarantee business, option business and futures business.

Reference answer: Wrong. Option business and futures business are not off-balance sheet business.

70. Correct judgment: Money multiplier is the ratio of money supply to bank deposits.

Reference answer: Wrong. The money multiplier is the ratio of the money supply to the base money.

7 1. According to the content of financial innovation, which categories can financial innovation be divided into?

Reference answer: Financial innovation includes financial instruments, financial business and financial system.

72. Judgment correction: The focus of risk management of commercial banks in China is debt risk management.

Reference answer: Wrong. The focus of risk management in China's commercial banks is asset risk management.

73, according to the causes of commercial bank risks, which categories can be divided into?

Reference answer: Wrong. It can be divided into country risk, credit risk and liquidity risk.

74. Revision of judgment: According to the purchasing power parity theory, the currency exchange rate of high inflation countries is discounted.

Reference answer: Wrong. According to the purchasing power parity theory, the currency exchange rate of inflation countries depreciates.

75. Please briefly describe the characteristics of China's credit management system since 1998.

Reference answer: The credit management system since 1998 is characterized by planning guidance, self-seeking balance, proportional management and indirect regulation.

76. Judgment correction: The contradiction between the ultimate goal of monetary policy is: the contradiction between stable prices and economic growth, economic growth and full employment and balance of payments, and the contradiction between stable prices and full employment.

Reference answer: Yes.

77. According to the summary procedure stipulated in the Administrative Punishment Law of the People's Republic of China, what penalties can the CBRC or its dispatched offices impose on the spot?

Penalties that can be made on the spot include: First, impose a fine of not more than 50 yuan on individuals; Second, impose a fine of 1000 yuan or less and give a warning to banking financial institutions and other units.

78. Correction of judgment: the amount of self-use car loans granted by the lender shall not exceed 60% of the borrower's car purchase price; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower. Right?

Reference answer: Wrong. The amount of auto loan granted by the lender for personal use shall not exceed 80% of the price of the car purchased by the borrower.

79. Correction of judgment: The self-use cars mentioned in the Measures for the Administration of Auto Loans refer to non-operating cars purchased by borrowers through auto loans; Commercial vehicles refer to for-profit vehicles purchased by borrowers through car loans; Used car refers to a car that has changed its ownership and gone through the transfer formalities according to law from the date of completion of motor vehicle registration to two years before the specified retirement period.

Reference answer: Wrong. Used car refers to a car that has gone through the formalities of ownership change and transfer according to law from the date of completion of motor vehicle registration to one year before the specified retirement period.

80, internal control should include what elements?

Reference answer: including: (1) internal control environment; (2) Risk identification and assessment; (3) Internal control measures; (4) information exchange and feedback; (5) Supervision, evaluation and correction.

8 1. Judgment correction: Financial planning can be divided into guaranteed floating income financial planning and non-guaranteed floating income financial planning according to different ways for customers to obtain income.

Reference answer: Wrong. Financial planning can be divided into guaranteed income financial planning and non-guaranteed income financial planning according to different ways for customers to obtain income.

82. Correct judgment: Real estate development loans refer to loans issued to borrowers for the purchase, construction and major repair of various houses.

Reference answer: Wrong. Real estate development loans refer to loans issued to borrowers for the development and construction of real estate projects for market sales and leasing.

83. The Guidelines for Risk Management of Real Estate Loans of Commercial Banks point out that commercial banks should focus on evaluating borrowers' repayment ability. The ratio of monthly housing expenditure and income of the borrower's housing loan should be controlled below 50% (inclusive), and the ratio of monthly debt expenditure and income should be controlled below 55% (inclusive).

84. What is a general connected transaction?

Reference answer: General related party transactions refer to transactions in which the amount of a single transaction between commercial banks and related parties accounts for less than 65,438+0% of the net capital of commercial banks, and the balance of transactions between commercial banks and related parties accounts for less than 5% of the net capital of commercial banks after the transaction.

85. What are the internal audit procedures for major related party transactions of commercial banks?

Reference answer: major related party transactions should be reviewed by the related party transactions control Committee of commercial banks and submitted to the board of directors for approval; If the board of directors is not established, it shall be reviewed by the related party transaction control committee of the commercial bank and submitted to the business decision-making body for approval.

86, China's national debt is divided into negotiable national debt and non-negotiable national debt, non-negotiable national debt refers to (a).

A. voucher bonds b, book-entry bonds c, paper bonds d and corporate bonds.

87. The economic policy that causes currency devaluation is (a, c).

A, expansionary fiscal policy B, tight fiscal policy

C, expansionary monetary policy D, trade policy to stimulate imports

88, in a country's economic supply and demand is generally balanced, but there is a structural contradiction between excessive consumption demand and insufficient investment demand, should implement (c) policy.

Loose monetary policy and loose fiscal policy

B, tight monetary policy and tight fiscal policy

Loose monetary policy and tight fiscal policy

Tight monetary policy and loose fiscal policy

89, if a country's currency exchange rate falls, that is, foreign devaluation, which is beneficial to (d).

A, domestic exports decrease B, domestic imports increase

C, domestic tourism revenue decreased d, domestic tourism revenue increased.

90, the primary requirement of accounting information quality is (C).

A, timeliness b, comparability c, clarity d, consistency

9 1. At present, China's national debt issuance mainly adopts (C, D, E) methods.

A, administrative apportionment B, OTC C, underwriting

D. Bidding and issuance E. Directed issuance

92. According to the new criminal law of our country, whoever falsely makes out, forges or illegally sells special invoices for value-added tax shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and fined (C).

A, 1 times but less than 5 times b, 1 ten thousand yuan and 1 ten thousand yuan.

C, more than 20,000 yuan but less than 200,000 yuan d, more than 50,000 yuan but less than 500,000 yuan.

93. According to the current tax-sharing system, (b, d, e) belongs to the fixed income of the central budget under the following taxes.

A. value-added tax b, consumption tax c, business tax d, customs duty e and vehicle purchase tax

94. Stamp duty is a tax with a long history in China and is widely used in economic activities at present. Among the following options, (c) stamp duty is not paid.

A, land use certificate b, real estate license c, certified public accountant d, business license

95, according to China's "budget law", by (b) to conduct a comprehensive supervision of the implementation of the budget at the corresponding level.

A, people's congresses at all levels b, people's congresses at all levels.

C, governments at all levels D, financial departments at all levels

96, the following factors may cause the devaluation of the national currency is (a, c).

A, there is a deficit in the balance of payments b, there is a surplus in the balance of payments c, inflation is higher than other countries d, and inflation is lower than other countries.

97, according to the survey of China currency, quasi currency does not include (a).

A, corporate demand deposits B, corporate time deposits

C. Current savings deposits

98. Business tax is an important tax of local governments in China, and (a) and (c) belong to the category of business tax.

A, EMS B, water supply and power supply C, patent transfer D, cultural relics donation

99. The longest term of China's interbank borrowing funds is (b) months.

A, 3 months b, 4 months c, 5 months d, 6 months

100, under the current level of money supply in China, the representative of M 1 is (c).

A, cash in circulation B, broad money supply

C, narrow money supply D, residents' savings deposits

10 1, China's statutory deposit reserve ratio is adjusted to 8% in (d).

a、 1990 B、 1996 C、 1983 D、 1998

102. At present, the starting point of collection and acceptance settlement is (D).

A, 30,000 yuan b, 50,000 yuan c, 1 10,000 yuan d, 20,000 yuan

103. the world's first online bank-the first secure online bank (SFNB) was born in (c).

A, Britain B, France C, America D, Switzerland

104. The income tax rate of financial institutions is (b).

a、3 1% B、32% C、33% D、34%

105. What matters can the State Council banking supervision institution approve of banking financial institutions according to the conditions and procedures stipulated by laws and administrative regulations? .

Reference answer: Approve the establishment, alteration, termination and business scope of banking financial institutions.

106. What aspects of banking financial institutions should the banking supervision institution implement off-site supervision and on-site inspection?

Reference answer: conduct off-site supervision and on-site inspection of its business activities and its risk status.

107. according to the law of the people's Republic of China on banking supervision and management, what is the purpose of the banking supervision and management institution to establish the banking financial institution supervision and management information system?

Reference answer: The purpose is to analyze and evaluate the risk status of banking financial institutions.

108. with the approval of the head of the State Council banking regulatory agency or its provincial dispatched office, which accounts does the banking regulatory agency have the right to inquire about?

Reference answer: Inquire about the accounts of banking financial institutions, their staff and related actors suspected of financial violations.

109. When implementing an administrative license, the administrative organ shall not make improper demands on the applicant.

Reference answer: No improper requirements such as purchasing designated commodities or accepting paid services shall be put forward to the applicant.

1 10. in what aspects should the monetary policy Committee of the people's bank of China play an important role?

Reference answer: It should play an important role in the formulation and adjustment of national macro-control and monetary policy.

1 1 1. When the People's Bank of China issues a new version of RMB, it shall announce the issuing time and contents.

Reference answer: The name, design, style and specifications should be published.

1 12. The savings office of a commercial bank was closed for one year after its opening. Is this illegal? What kind of punishment should the organization give if it violates the regulations?

Reference Answer: If the act is illegal, the the State Council Banking Regulatory Authority shall revoke its business license and make a public announcement.

1 13. Correct judgment: the unit of RMB is yuan, jiao and fen, right?

Reference answer: Wrong. The unit of RMB is yuan.

1 14. Correction of judgment: Enterprises and institutions can independently choose the business premises of commercial banks to open basic account for daily transfer settlement and cash receipt and payment, or open basic account in their loan banks to facilitate bank loan collection. Right?

Reference answer: Wrong. Enterprises and institutions shall not open more than two basic account.

1 15. Commercial banks charge fees in accordance with regulations when handling business and providing services. How to formulate its charging items and standards?

Reference answer: The the State Council Banking Regulatory Authority and the People's Bank of China shall, in accordance with the division of responsibilities, jointly formulate with the competent pricing department of the State Council.

1 16. For interest-bearing bonds, if the market price is lower than the face value, then (b).

A, yield to maturity is lower than coupon rate b, and yield to maturity is higher than coupon rate.

C, yield to maturity equals coupon rate D, not necessarily.