從業(yè)考試歷年真題

從業(yè)考試歷年真題(Fromtheexamovertheyears)

In.1979,thefirstcitycreditcooperativewasestablished.

A.Guangxi,Hezhou

B.Hebei,Xingtai

C.Jiangsu,Changzhou

D.Henan,Zhumadian

Answer:D

Explanation:in1979,thefirstcitycreditcooperativewas

establishedinHenan,Zhumadian.

2.theinternationalmarketusuallyuses()toevaluatetherisk

ofbonds.

A.bondcreditratingmethod

B.bondriskratingmethod

C.internalratingmethod

D.externalratingmethod

Answer:A

Interpretation:internationalmarketusuallyusesbondcredit

ratingmethodtoevaluatebondrisk.

3.theroleoffinancialmarketdevelopmentinpromoting

commercialbanksdoesnotinclude().

A.candirectlypromotethebusinessdevelopmentandmanagement

ofcommercialbanksinmanyways

B.banksissuestocks,andthepricesoftheirstocksandbonds

willaffectthemanagementofcommercialbanks,especiallythe

short-termbehaviorsthatmayleadtothebankmanagers

C.providesreferencestandardsforcustomerevaluationand

riskofcommercialbanks

D.moneymarketandcapitalmarketcanprovidecommercialbanks

withalargenumberofriskmanagementtools,inthemarket

throughnormaltransactionstotransferrisk

Answer:B

Explanation:thedevelopmentoffinancialmarketsincluding

theabilitytodirectlypromotethebusinessdevelopmentof

commercialbanksandbusinessmanagementinmanyaspectsof

commercialbankstopromotetherole;provideareference

standardforcustomerevaluationandriskofcommercialbank;

monetarymarketandcapitalmarketcanprovidealotofrisk

managementtoolsforcommercialbanks,throughthenormal

tradinginthemarket.Transferofrisks.

4.commercialbanksprovidedirectfinancialsupporttoclients,

whichbelongstocommercialbanks.

A.creditbusiness

B.trustedservice

C.offbalancesheetbusiness

D.intermediatebusiness

Answer:A

Interpretation:personalcreditreferstothebankaccording

tothecustomer'screditstatusandprovidesecurity,in

advancetothecustomertoapprovealimit,inacertainperiod

oftime,thecustomercaninthisamountofcontinuous,

recyclingloans.

5.theShanghaiheadquartersofthepeople'sBankofChinawas

establishedinAugust10,2005,anditsmainresponsibilities

include().

A.formulationandimplementationofmonetarypolicy

B.issueRMBandmanageRMBcirculation

C.managertreasury

D.conductscentralbankopenmarketoperations

Answer:D

Interpretation:toformulateandimplementmonetarypolicy;

issueRMBandmanageRMBcirculation;managertreasuryisthe

responsibilityoftheheadofficeofthepeople'sBankofChina;

therefore,A,BandCoptionsarewrong

Inthepast6.1999years,inordertomanageanddisposeof

non-performingloansofstate-ownedbanks,Chinahas

establishedfourAssetManagementCo,respectively,purchasing,

managementanddisposaloffourstate-ownedcommercialbanks

and(part)ofnon-performingassets

A.NationalDevelopmentBank

B.ChinaImportandExportBank

C.AgriculturalDevelopmentBankofChina

D.people,sBankofChina

Answer:A

Explanation:in1999,China'sstate-ownedbankstomanageand

disposeofnon-performingloans,theestablishmentoftheXinDa,

AssetManagementCo,AssetManagementCotheGreatWal1Orient

AssetManagementCompanyandHuarongAssetManagementCo,

non-performingassetsaretheacquisition,managementand

disposalofthefourstate-ownedcommercialbanksandtheState

Developmentbank.

Itisincorrecttosaythatmonetarypolicyislessthan7.

A.theultimategoalofChina，smonetarypolicyistomaintain

thestabilityofthecurrencyvalue,andtopromoteeconomic

growth

B.atpresentstage,themonetarypolicyisthemonetarysupply

ThethreemagicweaponsofC.monetarypolicyincludeopen

marketbusiness,depositreserveandrediscount

D.Mliscalled"narrowmoney”,whichisthepurchasingpower

ofreality

Answer:B

Interpretation:atthepresentstage,themonetarypolicyof

Chinaisbasedonthebasicmoney,andtheintermediarytarget

isthemoneysupply.Therefore,theBoptioniswrong.TheA,

C,andDoptionsarecorrect.

Eight

(unit)referstothetypeofdepositthatthecustomerofaunit

doesnotstipulatewhenthedepositisdeposited,thebank

shouldnotifythebankinadvancewhenitiswithdrawn,andthe

deposittypethatthedepositdateandamountcanbewithdrawn.

A.unitcurrentdeposit

B.unittermdeposit

C.unitnoticedeposit

D.unitagreementdeposit

Answer:C

Interpretation:unitnoticedepositreferstothetypeof

depositthattheunitcustomerdoesnotstipulatewhenthe

depositisdeposited,thebankshouldnotifythebankinadvance

whenitiswithdrawn,andthedeposittypethatthedepositdate

andamountcanbewithdrawn.

9.themainmembersofthesyndicatedloanareresponsiblefor

acceptingtheentrustmentoftheborrower,planningand

organizingthesyndicateandarrangingtheloandistribution.

A.participateintheline

B.leadstheline

C.viceleadline

D.agentbank

Answer:B

Interpretation:theleadbankreferstothebankthataccepts

theentrustmentoftheborrower,planstoorganizethe

syndicateandarrangestheloandistribution.Participating

bankreferstothebankthatacceptstheleadbank'sinvitation

toparticipateinthesyndicateandprovidesloansaccording

tothenegotiatedshare.Thesecondaryleadlineisamember

betweentheleadlineandtheparticipatingrow.Agentbank

referstothebankwhichisresponsibleforcoordinatingloan

andrepaymentmanagement.Therefore,A,C,Doptionerror.

10.thefollowingstatementabout,'corporateaccount

overdraft“iswrong.

A.corporateaccountoverdraftisoneoftheshort-termloans

B.ismainlyusedtomeettheneedsoftemporaryfundsinthe

processofproductionandoperationofborrowers

C.borrowerswhoapplyforcorporateaccountoverdraftbusiness

musthaveacertainamountofsettlementbusinessinthebank

D.generally,therepaymentabilityandguaranteerequirements

oftheapplicantfortheoverdraftbusinessoflegalperson

accountarelowerthantheordinarycirculatingfundloan

Answer:D

Interpretation:Generallyspeaking,therepaymentabilityand

guaranteerequirementsoftheapplicantfortheoverdraft

businessoflegalpersonaccountarehigherthantheordinary

liquidityloan,sothestatementoftheDoptioniswrong.

11.thefollowingstatementoninterbanklendingiswrong.

A.interbanklendingisshorttermcapitalborrowingbetween

banksandotherfinancialinstitutions

B.calledthedemolitionofborrowedfunds,loanfundscalled

out

C.interbanklendingismainlycarriedoutthroughtheNational

InterbankBondMarket

TheinterestrateofD.interbanklendingvarieswiththechange

ofcapitalsupplyanddemand,andisoftenusedasthebenchmark

interestrateofmoneymarket

Answer:C

Interpretation:interbanklendingismainlycarriedout

throughthenationalinterbanklendingmarket.

12.whichofthefollowingchannelsisnotthesaleschannel

forChina'sopenendfunds?

A.funddirectsales

B.insuranceagency

C.banksandsecuritiescompaniesforsale

D.specializesinsellingbrokeragefirms

Answer:B

Interpretation:China'sopen-endfundsaleschannelsinclude:

fundcompanydirectsales,banksandsecuritiescompaniesand

otheragenciesconsignment,aswellasthenewstartof

professionalsalesBrokerCompanyconsignmentthreechannels.

13.supervisiondepartmenton-siteinspectionwork,the

standardon-siteinspection,includinginspection,

preparation,()fivestages.

A.inspectionprocessing,inspectionreport,inspection

implementation,checkfilearrangement

B.checkfilearrangement,inspectionprocessing,inspection

report,inspectionimplementation

C.inspectionimplementation,inspectionreport,inspection

processing,checkfilearrangement

D.inspectionreport,inspectionprocessing,examinationfile

arrangement,inspectionimplementation

Answer:C

Interpretation:thestandardizedon-siteinspectionincludes

fivestages:Inspectionpreparation,inspection

implementation,inspectionreport,inspectionprocessing,and

checkingarchivesarrangement.

14.thelong-termsubordinateddebtswhichareincludedinthe

subordinatedcapitalshallnotexceedthecorecapitalofour

country.

A.100%

B.50%

C.20%

D.10%

Answer:B

15.adjustingthecentralbankbenchmarkinterestrateisone

ofthemaininterestrateinstrumentsadoptedbythepeople*s

BankofChina.Whichofthefollowingdoesnotbelongtothe

centralbankbenchmarkinterestrate(D)?

A.relendingrate

B.reserverequirementrate

C.excessreserverequirementrate

StatutorydepositandlendingratesofD.financial

institutions

.TheChinesenameof16.CBAis().

A.ChinaBankingAssociation

B.ChinaBankingAssociation

C.ChinaBankingAssociation

D.registeredbankanalyst

Answer:A

Explanation:CBAisChinaBankingAssociation.

17.theCBRCshallexamineandapprovethequalificationsof

seniormanagersoffinancialinstitutions,andshallbe

includedinthesupervisionmeasures.

A.marketaccess

B.off-sitesupervision

C.regulatorytalks

D.InformationDisclosureSupervision

Answer:A

Interpretation:requirementsforseniormanagersinmarket

access.

18.mortgageisawayofguarantee.Accordingtotheproperty

law,thefollowingstatementiscorrect.

A.creditordoesnotpossessthepropertyofthedebtororthe

thirdpartyformortgage

B.creditorshavenorighttopayprioritytothemortgaged

propertyatanytime

C.mortgageshouldtransferthepropertytothecreditor.Once

thedebtorcannotfulfillthematuritydebt,itcanbedirectly

usedforliquidation

D.therighttousethemortgagedpropertyisownedbythe

creditor

Answer:A

Interpretation:ifthedebtorfailstoperformhisduedebts

orthepartieshaveagreedtorealizethemortgage,thecreditor

shallhavetherighttogiveprioritytotherepaymentofthe

property.Therighttousethemortgagedpropertyisstillowned

bythedebtor.

19.thefollowingdescriptionoftheexchangerateis

incorrect.

TheA.exchangerateistheexchangepricebetweentwodifferent

currencies

TheB.exchangerateisactuallythetranslationoftheprice

representedbyamonetaryunitintothepriceexpressedin

anothercurrency

C.countriesgenerallyusetheUSdollarasthemaincurrency

fortheexchangerate

TherealexchangerateofD.buyingandsellingforeignexchange

inthefreeforeignexchangemarketiscalledtheshareholder

exchangerate

Answer:D

Interpretation:Ddescribesthemarketexchangerate

20.()isthemostimportantindextomeasurethequalityof

bankassets.

A.capitalprofitmargin

B.capitaladequacyratio

C.NPLratio

D.assetliabilityratio

Answer:C

Explanation:capitalprofitmarginisameasureof

profitability.Assetliabilityratioisanindextomeasure

leverageratio.Capitaladequacyratioisanindicatorof

adequacyofbankcapital

(21.)referstotheborrowertoapplyforbanktomeetthe

fundingneedsoftemporaryandseasonalproductionprocess,

liquidityneedslong-termaverageoccupancyorissuingbankto

theborrowertosatisfyintheproductionandoperationofthe

loan.

A.workingcapitalloans

B.revolvingfundrevolvingloan

C.corporateaccountoverdraft

D.projectloan

Answer:A

Explanation:seethedefinitionofworkingcapitalloan.

22.,thebuyeroftheproductshouldbenefitfromthepurchase

behavior,butalsobeartheriskofdecision-making,whichis

themeaningof().

A.buyer'sconceit

B.assetisolation

C.customerarrogance

D.fairconsumption

Answer:A

Explanation:buyersassumetheriskofdecision-making,which

isthemeaningofbuyer'sconceit.

23.thefinancialAssetManagementCoregulationsthird

stipulatesthatthefinancialAssetManagementCotomaximize

()asthemainbusinessobjectives,independentlybearcivil

liabilityaccordingtolaw.

A.reducesbadassets

B.preservesassetsandreduceslosses

C.takesadvantageofitself

D.toavoidfinancialrisks

Answer:B

24.theinterestratedeterminedbyanon-governmental

non-governmentalfinancialorganizationis().

A.marketinterestrate

B.fixedinterestrate

C.officialinterestrate

D.statutoryinterestrate

Answer:B

Explanation:thepublicinterestrateistheinterestrate

determinedbynongovernmentalnon-governmentalfinancial

organizations.

25.2007years,July,

Thecurtainofthepilotreformofruralcreditcooperatives

wasfirstopened.

A.Henan

B.Jiangsu

C.Zhejiang

D.Anhui

Answer:B

26.whichofthefollowingdoesnotbelongtothefunctionsof

thepeople,sBankofChinastipulatedinthesecondarticleof

thepeople'sBankofChinalaw?

A.formulationandimplementationofmonetarypolicy

B.guardagainstanddefusefinancialrisks

C.managementofcentralpublicexpenditure

D.maintainingfinancialstability

Answer:C

Interpretation:themanagementoffiscalexpenditureisthe

functionoftheMinistryoffinance.

Whichofthefollowingeventshappenedin1988?(27.)

BankofBaselCommitteeestablishedinA.1974

AdoptionoftheBaselcapitalaccordofB.1988

AdoptedinthenewBaselCapitalAccord(C.2004)

ImplementationofChina'scommercialbankcapitaladequacy

ratiomanagementmeasuresinD.2004

Answer:B

Interpretation:Aistheendof1974,CisJune2004,DisMarch

2004.

28.,theintermediarybusinessofabankisalsocalledcharge

business,whichreferstothenoninterestincomebusinessthat

doesnotconstitutetheassetsinthebanktableandthe

liabilitiesinthetable.Thefollowingstatementsaboutthe

intermediarybusinessofbanksarewrong.

A.doesnotuseordonotdirectlyusethebank,sownfunds

B.doesnotundertakeornotbearmarketriskdirectly

C.gainsrevenuebycollectingservicefees(fees,management

fees)andearningspreads

D.banksareinvolvedincreditactivities

Answer:D

Interpretation:intheintermediarybusiness,thebankisno

longerdirectlyinvolvedinthecreditactivitiesoftheparty,

playingonlytheroleofintermediaryoragent,usuallyprovide

paidservices.

29.thefollowingstatementsaboutChina,sfinancialdebt,

wrongis().

A.financialdebtisissuedintheinterbankmarket

B.financialinstitutionsmustobtaintheadministrative

licenseoftheCBRCwhenissuingfinancialbonds

C.bankscangetmoneythroughissuingfinancialbonds

D.financialdebtcanbecomeatoolforbankstotakethe

initiativeindebt

Answer:B

Interpretation:financialinstitutionsissuingfinancial

bondsmustobtaintheadministrativepermissionofthepeople,s

Bankofchina.

30.accordingtotheStateCouncilpromulgatedthe“onthe

savingsdepositinterestincomelevypersonalincometax

implementationmeasures“provisions,madefromasavings

institutioninPeople'sRepublicofChina'srenminbiand

foreigncurrencysavingsinterestshallbepaidforthesavings

depositinterestincometax,interesttaxrate(tax).

A.18%

B.5%

C.15%

D.25%

Answer:B

The31.2007nationalfinancialworkconferencedecidedthatthe

reformoftheStateDevelopmentBankshouldbecarriedoutfirst,

andthecommercialoperationshouldbecarriedoutinan

all-roundway,mainlyinthemediumandlongtermbusiness.The

policybusinessshouldbeimplemented.

A.biddingsystem

B.guidancesystem

C.contractsystem

D.shareholdingsystem

Answer:A

Themaintaskofthe32.Chineseagriculturaldevelopmentbank

isinaccordancewiththelawsandregulationsofthestate,

()asthefoundation,toraiseagriculturalpolicycreditfunds

toundertakethestate,sagriculturalpolicyfinancebusiness,

thefinancialfundsallocatedtoagriculture,servicesforthe

developmentofagricultureandruraleconomy.

A.nationalpolicy

B.nationalcredit

C.nationalpolicy

D.nationalcredit

Answer:B

Manycommercialbanksinourcountryhaveput33.tothe

developmentdirectionoftheretailbusinessstrategy,butis

abletorealizethestrategictransformation,andthespeed

willdependonChina'soveral1startandincreasedomestic

demand(degree).

A.investmentinfixedassets

B.privateinvestment

Cpersonalconsumption

D.governmentconsumption

Answer:C

34.sharesissuedbycompaniesregisteredinChinaandlisted

directlyinHongkong,Chinaare().

A.Ashares

B.B

C.Hshares

D.Nshares

Answer:C

Interpretation:AsharesaredenominatedinRMB,subscribedand

traded,tradedfordomesticinvestors.Bsharesrefertothe

stocksthataredenominatedinRMB,subscribedandtradedin

foreigncurrenciesandsoldbyinvestorsinforeigncountries

orHongKong,MacaoandTaiwanregions.Nshareisastockissued

byacompanyregisteredinChinaandlisteddirectlyinNew

York.

35.belowonthebanks"three"balancestatementisincorrect

0.

A.commercialbanksoperatewiththeprinciplesofsafety,

liquidityandefficiency

LiquidityandbenefitofB.arethebasisandnecessary

conditionofsafety

Thelongerthedurationofanasset,thehighertheyield,the

lowertheliquidityandsecurityofC.

D.efficiencyistheultimategoalandimportantguaranteeof

safetyandliquidity

Answer:B

Explanation:liquidityandsecurityarethebasisandnecessary

conditionofefficiency

36.acceptanceofnegotiableinstrumentsreferstotheprocess

thatcommercialbanksdecidewhethertoaccepttheacceptance

accordingtotheapplicationsubmittedbythebank'sclients

andafternecessaryexamination.Thecontentofthereviewdoes

notinclude().

A.client，screditstatus

B.client'shomesituation

C.transactionbackground

D.guarantee

Answer:B

Interpretation:commercialbanksshouldreviewthecredit

situation,transactionbackgroundandguaranteesituationof

clientswhenacceptingtheapplicationforacceptance.

37.inthefollowingstatementoncreditanalysisofcommercial

banks,themistakeis().

A.bankcreditanalysismainlyusestwomethodsoffinancial

analysisandNon-financialAnalysis

B.financialanalysisfocusesonquantitativeanalysis

C.nonfinancialanalysisfocusesonqualitativeanalysis

D.financialanalysismainlyincludesmacroanalysis,industry

analysis,businessanalysis,managementanalysisandsoon

Answer:D

Explanation:shouldbenon-financialanalysis.

The38.foreignexchangetradingbusinesshastheprincipleof

changingnotesandchangingremittance.Thefollowing

statementiscorrect().

A.canbeconvertedintocashcash

B.cannotbeconvertedintocashincash,youneedtopayabill

variableexchangefees

C.cashbuyingrateandcashbuyingrateisalwaysthesame

D.cashsellingpriceandthesellingpriceforcashisalways

different

Answer:B

Explanation:cashcannotbeconvertedintocash.Cashpurchase

priceandthecashpurchasepriceisdifferent.Butsomebanks

haveonlyonesellingprice

39.forthefailureofthereorganizationofbankingfinancial

institutions,thebankingsupervisioninstitutionoftheState

Councilmaydecidetoterminatethereorganization,anddeclare

bankruptcyaccordingtotheproceduresprescribedbylaw.

A.people,scourt

B.people'sProcuratorate

C.publicsecurityorgans

D.CBRC

Answer:A

40.bondisadebtanddebtcertificateissuedbythedebtor

tothecreditor,whichpaysinterestandreturnstheprincipal

atacertainperiod.Accordingtotheissuer,the

classificationofthebonddoesnotincludethefollowing

A.sharedebt

B.corporatebonds

C.treasurybonds

D.financialbonds

Answer:A

Explanation:stocksandbondsarenotthesame

41.()istheultimatepersonresponsibleforspecificrisks.

A.Chairman

B.boardofsupervisors

C.bankpresident

D.largestshareholder

Answer:C

Interpretation:attentionisspecificrisk,bankgovernoris

theultimatepersonresponsibleforspecificrisks.

42.theexchangeratefluctuationisrestrictedbythecostof

goldtransportation,andthebalanceofpaymentscanbe

adjustedautomatically.

A.creditstandardsystem

B.goldstandard

C.BrettonWoodssystem

D.Jamaicasystem

Answer:B

Explanation:underthegoldstandard,thecurrencyispegged

togold,andtheexchangerateisaffectedbygoldpriceand

othercosts.

43.thefinancialindicatorsmostconcernedbybank

shareholdersare().

A.

Assetprofitmargin

B.capitalprofitmargin

C.assetutilization

D.incomemargin

Answer:B

Interpretation:bankshareholdersaretheproviderofcapital.

44.bankassetpreservationisthebank(or),usingorusing

economic,legal,administrativeandothermeans,the

implementationofvariousprotectivemeasuresor

forward-lookingpreventivemeasures.

A.allassets

B.hasassetsthatareatriskoratrisk

C.coreassets

D.fixedassets

Answer:B

45.acontracttobecancelledbythepeople'scourtatthe

requestofthecontractparty.

A.hasnolegalbindingforcefromthebeginning

B.hasnolegalbindingforcefromtheeffectivedateofthe

contract

C.hasnolegalbindingforceonthedateofacceptancebythe

people'scourt

D.fromthepeople,s46.socialinsuranceisa()behavior,with

lowpayment,widecoverageoftheadvantages,buttheinsured

canonlygetoneofthemostbasicsecurity.

A.government

B.individual

C.enterprise

D.International

Answer:A

47.theprovisionsofthepeople，sBankofChinaLawonthe

objectivesofmonetarypolicyare().

A.economicgrowth

B.fullemployment

C.exchangeratestability

D.maintainscurrencystabilityandpromoteseconomicgrowth

Answer:D

48.before1960s,theriskmanagementofcommercialbankswas

inthestageofassetmanagement,emphasizing().

HighreturnsonA.assets

B.maintainsliquidityofassets

LowriskofC.assets

TheindustrydirectionofD.loan

Answer:B

49.thecivilsubjectisdeclaredbankruptaccordingtolaw.

A.bankruptcycapability

B.bankruptcycertificate

C.bankruptcyliquidation

D.bankruptcylaw

Answer:A

50.,accordingtotheexperienceofbankingdevelopment