2022年下半年山西省银行业中级《法律法规》：银行业务创新考试题.pdf

2015 年下半年山西省银行业中级法律法规：银行业务创新考试题一、单项选择题（共25 题，每题 2 分，每题的备选项中，只有1 个事最符合题意）1、下列关于个人住房贷款合同签订过程中的表述错误的是_。A合同填写并复核无误后，贷款发放人应负责与借款人、担保人签订合同B在签订(预签)有关合同文本前，贷款发放人应履行充分告知义务C借款人、保证人为自然人的，应当面核实签约人身份证明之后由签约人当场签字D必须办理合同公证2、下列关于个人贷款的说法正确的是_。A二手房贷款是指银行向在住房二级市场上购买同一银行个人住房贷款客户出售的住房的自然人发放的贷款B我国规定个人汽车贷款，如果购买车辆为自用，贷款金额不超过所购汽车价格的 80%，贷款期限不超过3 年C个人独资企业投资人以个人名义申请的经营贷款属于个人贷款D个人住房装修贷款属于个人住房贷款3、_是指金融机构为了取得资金，将未到期的已贴现商业票据再以贴现的方式向中央银行转让的票据行为。A贴现B再贴现C转贴现D再贷款4、短期融资券与央行票据相比，_。A信用等级低，收益率低B信用等级低，收益率高C信用等级高，收益率高D信用等级高，收益率低5、一般在繁荣期之后出现，经济活动放缓，国民生产总值增长率递减，失业率上升，通胀率下降，居民开始对经济和职业前景产生忧虑，逐步减少消费支出。这一阶段属于经济周期中_。A萧条期B调整期C萎缩期D衰退期6、公司贷款安全性调查的内容不包括_。A对借款人法定代表人的品行进行调查B对公司借款人财务经理个人信用卡的额度进行核准C对保证人的财务管理状况进行调查D对股份有限公司对外股本权益性投资情况进行调查7、下列对监管资本的描述，正确的是（）。A它是银行资产减去负债的余额B它是银行需要保有的最低资本量C它是维持金融稳定性而规定的银行必须持有的资本量D它用于防御银行的非预期损失8、银行向个人发放的、用于定向购买或租赁商用房所需资金的贷款是_。A个人经营设备贷款B个人耐用消费品贷款C个人商用房贷款D个人消费额度贷款9、当利率为 8%时，现在需投资（）元，才能在7 年后偿还 10000元的贷款。A3265 B5835 C6123 D8794 10、利息保障倍数不能低于 _。A0 B0.5 C1 D211、在流动资金贷款的贷前调查报告中，借款人的财务状况不包括_。A主要客户、供应商和分销渠道B资产负债率C流动资金数额与周转速度D存货净值与周转速度12、商用房贷款的借款人租赁的商用房(拥有使用权但无产权)以第三方保证方式申请贷款的，保证人 _。A必须是该商用房的开发商B可以是具有担保能力的自然人和法人C可以是具有担保能力的自然人和法人，但不能是借款人的家庭成员D必须是银行认为具有担保能力的自然人13、产业组织结构的影响主要包括_。A行业的周期性和成长性B市场集中度和行业壁垒程度C产业关联度D宏观政策14、下列关子客户风险外生变量的说法，不正确的是_。A一般来说，对于信用等级较高的客户偶然发生的风险波动，应给予较大的容忍度B对单一客户风险的监测，需要从个体延伸到“风险域”企业C商业银行对单一借款人或交易对方的评级应定期进行复查D授信管理人员应降低对评级下降的授信的检查频率15、我国的中央银行是 _ A中国银行文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1B中国人民银行C中国工商银行D中国银行业监督管理委员会16、目前普遍认为有助于改善商业银行声誉风险管理的最佳操作实践不包括_。A减少营业网点B强化声誉风险管理培训C确保及时处理投诉和批评D从投诉和批评中积累早期预警经验17、商业银行在业务经营中的非预期损失则需要银行的（）来覆盖。A经济资本B监管资本C核心资本D会计资本18、如果借款人尚存在一定的偿还能力，或是银行掌握部分第二还款来源时，银行可以采取的不良资产处置方式是_。A现金清收B重组C以资抵债D呆账核销19、_是指受特定区域的自然、社会、经济、文化和银行管理水平等因素影响，而使信贷资产遭受损失的可能性。A国别风险B区域风险C行业风险D社会风险20、_用于评价目标区域信贷资产质量水平在银行系统中所处的相对位置。A信贷平均损失比率B信贷资产相对不良率C利息实收率D信贷余额扩张系数21、在单一客户限额管理中，客户所有者权益为2 亿元，杠杆系数为0.8，则该客户最高债务承受额为 _亿元。A2.5 B0.8 C2.0 D1.6 22、在商业银行集合境内机构和居民个人的人民币资金购汇投资境外金融产品的理财业务中，商业银行成为_。A合格的境外机构投资者B合格的境内机构投资者C战略投资者D集合投资者23、在客户信用评级中，由个人因素、资金用途因素、还款来源因素、保障因素和企业前景因素等构成，针对企业信用分析的专家系统是_。文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1A5Cs系统B5Ps系统CCAMEL 分析系统D5Rs系统24、我国航空意外险每份保单的保险金额为_万元，投保人最多可以买_份。A10；10 B20；10 C20；5 D40；5 25、_不是贷款合法合规性的调查。A考察借款人、保证人是否已建立良好的公司治理机制B对借款人的借款目的进行调查C对购销合同的真实性进行认定D对抵押物、质押物清单所列抵(质)押物品或权利的合法性、有效性进行认定二、多项选择题（共25 题，每题 2 分，每题的备选项中，有2 个或 2 个以上符合题意，至少有 1 个错项。错选，本题不得分；少选，所选的每个选项得0.5 分）1、关于金融市场功能的说法中，错误的是（）。A融通货币资金是金融市场最主要、最基本的功能B金融市场参与者通过组合投资可以分散系统性风险C金融市场借助货币资金的流动和配置可以影响经济结构和布局D金融市场承担着利率、汇率、证券价格等重要价格信号的决定功能2、下列关于贷款的签约和发放的说法正确的是_。A业务部门在确定相关审核无误后才可以开户放款B相关保险、公证手续未办理完毕的，在贷款发放时要继续完善C同笔贷款的合同填写人和合同复核人不得为同一人D要在确定借款人首付款已全额支付后才可以发放贷款E贷款发放条件落实后，就可以将贷款发放到相关帐户3、投资代客境外理财产品主要面临市场风险和信用风险。市场风险是指由于_等波动的不确定性而造成损失的风险。A利率B汇率C政策D股票价格E商品价格4、银行业从业人员的下列行为，正确的是_。A与其所在机构的同事闲暇时谈论客户的婚姻状况B保守客户隐私，不擅自向银行以外的机构和个人透露客户的交易信息C从银行离职后与朋友交流以前客户的交易信息D在有关国家机关依法调查时，透露有关客户信息E在有关国家机关依法调查时，仍然不透露有关客户信息5、中央银行增加货币供应量时，采取的下列政策中，错误的有（）。A公开市场卖出证券B降低法定存款准备金率文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1C提高再贴现率D降低再贷款利率E劝说商业银行限制贷款6、下列属于大额交易的是 _。A一笔 25 万元人民币的现金汇款B当日累计支取人民币18 万元C个人银行账户之间当日累计45 万元人民币的款项划转D单位银行账户之间一笔150 万元人民币的转账7、声誉风险管理部门可以采取事先调查的方法，了解典型客户或者公众对商业银行未来行动所持有的观点，以尽量准确预测此类风险事件可能产生的后果。通常需要做出预先评估的风险事件包括（）。A商业银行改革的成本或收益B监管机构责令整改的不利信息或事件C营业场所的改变D紧缩政策的影响E服务收费的改变8、个人汽车贷款应当建立借款人信贷档案，载明_。A借款人姓名B借款人的资信状况证明C贷款的金额、期限D借款人配偶的收入水平E所购汽车的购车协议9、可能影响商业银行声誉的事件包括_。A资产流动性发生重大变化B银行内部重大不良信息披露C国家监管政策变化D浮动利率变化导致资产头寸的损失E贷款人信用等级下降10、以下哪项事件是在1988 年发生的 _。A1974年巴塞尔银行委员会成立B1988 年巴塞尔资本协议通过C2004年巴塞尔新资本协议通过D2004年我国商业银行资本充足率管理办法实施11、按照保险合同所保护的内容划分，保险合同分为财产保险合同和（）A医疗保险合同B人身保险合同C人寿保险合同D工伤保险合周12、在分析固定资产扩张引起的贷款需求时，重要的指标有_。A销售收入/净固定资产B净利润/净固定资产C净固定资产/净利润D净固定资产剩余寿命E可持续增长率文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U113、企业的基础、管理水平、财务状况、经营状况和信用度与项目能否顺利实施有密切关系，进而也与项目的还款能力有很大关系。企业的基础包括_。A分析企业的历史、规模、组织、技术水平B分析企业的劳动力结构和层次C注册资本、固定资产原值与净值以及流动资产情况D分析企业的历史发展过程、经济体制的变化E分析投资者的经营状况14、在使用福费廷时，一般进口方银行应为_提供担保，担保方式有 _。A旅行支票，抵押和质押B远期汇票或远期本票，保付和保函C旅行支票，保付和保函D远期汇票或远期本票，抵押和质押15、对综合理财服务的理解，下列说法错误的是_。A综合理财服务中，银行可以承担一部分风险B与理财顾问服务相比，综合理财服务更强调个性化C私人银行业务属于综合理财服务中的一种D私人银行业务不是个人理财业务16、根据我国物权法的规定，质权人的主要权利有_。A质权人有权收取质押财产的孳息B质权人可以放弃质权C债务人不履行到期债务，质权人可以与出质人协议以质押财产折价D质权人在质权存续期间，擅自使用、处分质押财产，给出质人造成损害的，无须承担赔偿责任E妥善保管质押财产17、贷款定价通常由 _等因素决定。A债务成本B经营成本C风险成本D股权成本E资本成本18、不列入交易账户的头寸一般包括_。A为对冲银行账户风险而持有的衍生工具头寸B商业银行从事自营而短期持有并旨在日后出售或计划从买卖的实际或预期价差、其他价格及利率变动中获利的金融工具头寸C向客户提供结构性投资和理财产品且进行了完全对冲的衍生产品D为执行客户买卖委托及做市而持有的头寸E为规避交易账户其他项目的风险而持有的头寸19、历史成本法的缺陷主要表现在_。A与审慎的会计准则相抵触B不具有客观性且不便于核查C不能反映银行或企业的真实价值或净值D市场价格也不一定总是反映资产的真实价值E虽然从经济学的角度看较为理想，但在银行中并未得到广泛采用20、（）是中央银行为实现特定经济目标而采用的控制和调节货币、信用及利率文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1等方针和措施的总称。A财政政策B货币政策C利率政策D赤字政策21、借款人发生 _等情况会给银行利益带来损失的违约风险。A因借款人死亡、丧失行为能力，借款人的继承人放弃所购房屋B借款人定居国外，不能按时还款C借款人收入水平下降不能按时还款D借款人经济状况严重恶化导致不能按期或无力偿还银行贷款22、设备贷款时，必须提供担保，保证人是自然人的，不需要具备的条件是_。A具有当地常住户口和固定住址B保证人与借款人不得为夫妻关系或家庭成员C有可靠的代偿能力，并且在贷款银行处存有一定数额的保证金D有健全的管理机构和财务管理制度23、下列关于商业银行境外理财投资的说法，正确的是_。A境内托管人可在本行开立证券托管账户，用于与境外证券登记结算机构之间的证券托管业务B境内托管人及境外托管代理人必须为不同商业银行分别设置托管账户C境内托管人可通过本行外汇资金运用结算账户办理与境外证券登记结算机构之间的资金结算业务D境外托管代理人通过一个托管账户代理不同境内托管人的业务24、下列关于国家助学贷款的说法，正确的是_。A国家助学贷款是由教育部门设立“助学贷款专户资金”给予财政贴息的贷款B国家助学贷款采取借款人一次申请、贷款银行一次审批、单户核算、分次发放的方式C学生可使用国家助学贷款在校外自租房D学生办理国家助学贷款不需提供担保E财政贴息是指国家承担国家助学贷款的全部利息25、国际收支包括（）。A贸易收支B劳务收支C外资对华直接投资D对其他国家的捐赠E世行贷款文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V6B6S1U1文档编码:CB9H5Q2G1B7 HF7O5L1L5Z3 ZD2V