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【单选题】
债券是债务人向债权人出具的在一定时期支付利息和到期归还本金的债权债务凭证,根据发行人的不同,债券的分类不包括()。___
A. 股票
B. 企业债
C. 国债
D. 金融债
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【单选题】
流动资金贷款期限最长不超过()年。___
A. 3
B. 2
C. 5
D. 8
【单选题】
公司为公司股东或者实际控制人提供担保的,由()决议。___
A. 股东会或者股东大会
B. 董事会
C. 监事会
D. 职工代表大会
【单选题】
(  )是指借款人按借款合同约定的还款计划、还款方式及时、足额地偿还贷款本息。___
A. 贷款的提前偿还
B. 贷款的发放
C. 贷款的回收
D. 贷款的缴存
【单选题】
以下不属于所有者权益项目的是(  )___
A. 未分配利润
B. 资本公积
C. 盈余公积
D. 流动资产
【单选题】
宽松的货币政策的主要措施之一是()___
A. 提高法定准备金率
B. 提高商业银行存贷款利率
C. 降低再贴现利率
D. 公开市场上卖出证券
【单选题】
登记机构进行异议登记的,如果申请人在异议登记之日起()内不起诉的,异议登记失效。___
A. 15日
B. 30日
C. 3个月
D. 6个月
【单选题】
对关系人申请的授信业务,授信审批人员___
A. 尽量回避
B. 申请回避
C. 适当回避
D. 不需回避
【单选题】
个人贷款是指银行向个人发放的用于满足其(  )的贷款。___
A. 各种资金需求
B. 购买自住房
C. 购买商用房
D. 投资需要
【单选题】
借款人盈利能力的比率通过(  )反映。___
A. 效率比率
B. 杠杆比率
C. 流动比率
D. 营业利润率
【单选题】
银行在进行市场定位时应考虑全局战略目标,并且银行的定位应该略高于银行自身能力与市场需求的对称点,这是银行市场定位的(  )原则。___
A. 发挥优势
B. 围绕目标
C. 突出特色
D. 系统量化
【单选题】
下列关于商业银行固定资产贷款说法中,错的是()。___
A. 固定资产贷款通常是短期贷款
B. 商业银行不得使用同业拆借资金发放固定资产贷款
C. 基本建设贷款和技术改造贷款都属于固定资产贷款
D. 固定资产贷款是用于借款人拆建、扩建、改造、购置固定资产投资项目的贷款
【单选题】
银行的员工在工作中,自己意识不到缺乏必要的知识,按照自己认为正确而实际是错误的方式工作属于(  )造成的损失。___
A. 知识/技能匮乏
B. 失职违约
C. 核心雇员流失
【单选题】
(  )是指借款人或第三人不转移对法定财产的占有,将该财产作为贷款的担保。___
A. 质押担保
B. 抵押担保
C. 保证担保
D. 信用担保
【单选题】
银行防范质物的价值风险,应要求质物经过有行业资格且资信良好的评估公司做价值认定,选择(  )的动产或权利作为质物,谨慎地接受股票、权证等价值变化较大的质物。___
A. 价值高
B. 价值低
C. 价格高
D. 价值稳定
【单选题】
在一国经济过度繁荣时,最有可能采取的政策是(  )。___
A. 扩张性财政政策,抑制通货膨胀
B. 扩张性财政政策,防止通货紧缩
C. 紧缩性财政政策,抑制通货膨胀
D. 紧缩性财政政策,防止通货紧缩
【单选题】
银行可根据风险水平、筹资成本、管理成本、贷款目标收益、资本回报要求以及当地市场利率水平等因素自主确定贷款利率,对不同借款人实行()___
A. 固定利率
B. 浮动利率
C. 平等利率
D. 差别利率
【单选题】
《征信业管理条例》规定,征信机构对个人不良信息的保存期限,自不良行为或者事件终止之日起为()年。___
A. 3
B. 5
C. 7
D. 10
【单选题】
经贷款人同意,个人贷款可以展期。一年以内(含)的个人贷款,展期期限累计不得超过_____;一年以上的个人贷款,展期期限累计与原贷款期限相加,不得超过_____。(  )___
A. 原贷款期限;3年
B. 1年;原贷款期限
C. 原贷款期限;该贷款品种规定的最长贷款期限
D. 1年;该贷款品种规定的最长贷款期限
【单选题】
某抵押物市场价值为l5万元,其评估值为l0万元,抵押贷款率为60%,则抵押贷款额为(  )万元。___
A. 12.6
B. 9
C. 8.6
D. 6
【单选题】
为防范由于经济周期、行业发展周期形成的系统性风险,银行可取()策略。___
A. 贷款区域分散
B. 信贷客户分散
C. 贷款产品多样化
D. 贷款行业分散
【单选题】
贷款审查和审批中的主要风险点不包括(  )。___
A. 未按独立公正原则审批
B. 不按权限审批贷款
C. 未履行法定提示义务
D. 审批人员对审查内容审查不严
【单选题】
依据《国务院关于调整和完善固定资产投资项目资本金制度的通知》(国发【2015】51号)文件,化肥工业(钾肥除外)项目的最低资本金比例为()。___
A. 10%
B. 15%
C. 20%
D. 25%
【单选题】
对于正常类贷款,贷款经办行可定期进行贷后检查抽查,抽查比例一般为每季度(  )。___
A. 0.4
B. 0.2
C. 0.1
D. 0.05
【单选题】
(  )的一个重要特征是债务人保持对相关财产的占有权,而债权人则取得所有权或部分所有权。___
A. 质押
B. 担保
C. 抵押
D. 保证
【单选题】
审核固定资产贷款支付事项合规情况包括,支付事项符合约定的贷款用途()等。___
A. 贷款用途合规合法
B. 交易资料完整
C. 交易对象真实存在
D. 支付对象与交易资料中的交易对手一致
【单选题】
依法应办理抵押登记的,抵押权的生效时间为()。___
A. 抵押交付之日
B. 登记之日
C. 签订之日
D. 当事人协商之日
【单选题】
根据《中华人民共和国民事诉讼法》的规定,申请人在人民法院采取保全措施后()日内不起诉的,人民法院应当解除财产保全。___
A. 15
B. 90
C. 180
D. 365
【单选题】
(  )不是商用房贷款借款人应具备的基本条件。___
A. 以借款人拟购商用房向贷款人提供抵押担保
B. 在银行开立个人结算账户
C. 具有稳定的职业和收入.具备还款意愿和还款能力
D. 发放对象是持有工商行政管理机关核发的非法人营业执照的个体户、合伙人企业和个人独资企业
【单选题】
推行实贷实付的现实意义不包括(  )。___
A. 有利于将信贷资金引入实体经济
B. 有利于加强贷款使用的精细化管理
C. 有利于银行业金融机构管控信用风险和法律风险
D. 有利于提高银行收益
【单选题】
对于项目融资贷款,应对借款人和项目的经营情况进行()的监控。___
A. 不定期
B. 持续
C. 有效
D. 持续有效
【单选题】
审议、审批原则上不得超过()个工作日。___
A. 10
B. 15
C. 20
D. 5
【单选题】
在个人经营贷款中,借款人变更还款方式需要满足的条件不包括(  )。___
A. 借款人应向银行提交还款方式变更申请书
B. 借款人的贷款账户未拖欠本息及其他费用
C. 借款人具备还款意愿和还款能力
D. 借款人在变更还款方式前应归还当期的贷款本息
【单选题】
在抵押品管理中,银行要加强对(  )的监控和管理。___
A. 抵押人资格
B. 抵押人的实力
C. 抵押人担保意愿
D. 抵押物和质押凭证
【单选题】
商业银行对借款人最关心的就是()。___
A. 借款人财务信息的质量
B. 借款人的家庭背景
C. 借款人的商业经验
D. 借款人的现在和未来的偿债能力
【单选题】
采用贷款人受托支付的,贷款人应在()审核借款人相关交易资料是否符合合同约定条件。___
A. 贷款资金发放前
B. 贷款资金发放时
C. 贷款资金发放后
D. 支付给借款人交易对手的同时
【单选题】
在个人贷款业务中,下列主体可能具有担保资格的是(  )。___
A. 与借款人有关系的自然人
B. 不具有代偿能力的法人
C. 有重大违法行为损害银行利益的法人
D. 三年内连续亏损的法人
【单选题】
贷款一旦到期,银行不能通过正常途径收回贷款本息时,就必须依靠(  )手段,强制收回。___
A. 法律
B. 政治
C. 经济
D. 行政
【单选题】
下列属于银行市场定位中的产品定位手段是()。___
A. 设计特色办公楼
B. 设计专用字体
C. 提供增值服务
D. 设计户外广告
【单选题】
公司信贷银行营销组织设立的原则不包括()。___
A. 因事设职与因人设职相结合
B. 权责对等
C. 各负其责
D. 命令统一
【单选题】
个人客户申请贷款应具备以下哪种基本条件()。___
A. 具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人。
B. 用途明确合法。
C. 申请数额、期限合理。
D. 以上都是
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( ) 26.With help from a Mr. H, you can__________. A. stop wearing your watch B. get new books and objects C. finish your homework on time D. know when parents or teachers are near
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( ) 28. You can get your Mr. H for___________. A. $299 B. $499 C. $199 D. $99
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( ) 29. When was canned food invented? A. In 1870.          B. In 1810. C. In 1902.          D. In 1926.
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( ) 30. After the trip to the Arctic, Clarence Birdseye invented ____________. A. canned food             B. can openers C. frozen food           D. air conditioning
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( ) 31. Changes in weather _____________ in Willis Carrier's company. A. helped to keep food           B. made rooms comfortable C. caused health problems        D. hurt printing paper
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【单选题】
( ) 32. According to the passage, which of the following may lead to inventions? A. People's needs.             B. Public support. C. Modern technology.          D. Practical suggestions.
A. A
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【单选题】
( ) 33. What is the writer's main purpose(目的)in writing this passage?    A.To tell the readers his life story.    B.To tell people what kind of person his father was.    C.To tell the readers what present he got from his father.    D. To let people know how poor he was.
A. A
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【单选题】
( ) 34. Why did the father not ask his son not to do this and do that?    A.Because he felt quite confident of his son.    B.Because he was born from a poor family.    C.Because he was a man of few words.    D.Because he didn't want to be much too strict with his son.
A. A
B. B
C. C
D. D
【单选题】
( ) 35. What would someone learn from this passage?    A.How to live by oneself. B.How to stand on one's own feet.    C.What a good father should do. D.What the self-important is like.
A. A
B. B
C. C
D. D
【单选题】
( ) 36. What may be the proper Chinese for the underlined part in the passage?    A.闲暇时光 B.学费 C.精神空虚 D.经济不足
A. A
B. B
C. C
D. D
【单选题】
( ) 37. The Chinese Yellow Sea Wetlands are in the _______ of China.    A.south           B.east    C.west            D.north
A. A
B. B
C. C
D. D
【单选题】
( ) 38. Usually the weather in the wetlands is _______.    A.hot             B.pleasant   C.cold            D.dry
A. A
B. B
C. C
D. D
【单选题】
( ) 39. The World Wetlands Day is on _______.    A.February 2        B.June 25   C.April 22      D.March
A. A
B. B
C. C
D. D
【单选题】
( ) 40. We must protect wetlands because _______. A.they are home for wildlife   B.they can prevent flood    C.they can offer food to the animals and birds D.all of the above
A. A
B. B
C. C
D. D
【单选题】
) 1. —Is it far from here to the bank? —Not very, only________. A. 20 minute’s walk B. 20 minutes walk C. 20 minutes’ walk D. 20 minutes’ walks
A. A
B. B
C. C
D. D
【单选题】
2. — After discussing, the students ________ some good ideas to work on the project. — Thats great! A. put up B. set up C. caught up with D. came up with
A. A
B. B
C. C
D. D
【单选题】
3. Yesterday Tommy walked past my table and ______ my bowls and dishes. He should be careful next time. A. knocked off B. took off C. showed off D. turned off
A. A
B. B
C. C
D. D
【单选题】
4.We don’t have enough nurses to look after patients.At least ___ nurses are needed. A. ten another B. more ten C. another ten D. other ten
A. A
B. B
C. C
D. D
【单选题】
5. — Zhao Rui, it’s said that many famous singers will come to Yangzhou on April 18th. How about watching the evening show there? —________! Let’s ask Huang Tao to go with us. A. Best wishes B. Sounds great C. Good luck D. That’s OK
A. A
B. B
C. C
D. D
【单选题】
6.—Hello! This is Henry Speaking.I’d like to speak to your father. —Sorry, he has Shanghai. A. been in B. been to C. come to D. gone to
A. A
B. B
C. C
D. D
【单选题】
7. — It’s difficult for the village children to cross the river for school. — I think a bridge ______ over the river. A. was built B. is being built C. has been built D. should be built
A. A
B. B
C. C
D. D
【单选题】
8. —Where would you like to go, Jinan or Qufu? — .I only want to go to Qingdao. A. Each B. Either C. Neither D. All
A. A
B. B
C. C
D. D
【单选题】
9 — The documentary A Bite Of China II is quite popular around China recently. How do you like it? ______. A. I think so B. Pretty good C. Its my pleasure D. All right
A. A
B. B
C. C
D. D
【单选题】
10. There are three English-books on the shelf, but ______ of them is mine. A. both B. neither C.all D. none
A. A
B. B
C. C
D. D
【单选题】
11. When the parents arrived at the hall, the students _______ their projects. A. have finish B. finished C. had finished D. are finishing
A. A
B. B
C. C
D. D
【单选题】
12. This week, the _______ seems to change every day: one day is hot; the next day is cold. A. time B. weather C. season D. way
A. A
B. B
C. C
D. D
【单选题】
13. He never does his work _______ Mary.    A. as careful as B. so careful as C. carefully as D. as carefully
A. A
B. B
C. C
D. D
【单选题】
14. — Can he jump high? — Yes, he ______. He is a good high jumper. A. must B. need C. can D. shall
A. A
B. B
C. C
D. D
【单选题】
15. The shop _____ at 8:00 a.m.and it ________ for ten hours every day. A. is open; has opened B. is opened; opens C. opens; is open D. opened; opens
A. A
B. B
C. C
D. D
【单选题】
16. —Excuse me, may I use your bicycle? ______ is broken. Certainly. But remember to return it before lunch. A. Mine B. Me C. Myself D. I
A. A
B. B
C. C
D. D
【单选题】
17. Simon, what do I need to take for the hiking? Youd better ________ more water than usual. Its hot today. A. to take B. taking C. take D. took
A. A
B. B
C. C
D. D
【单选题】
18. Helen ______ to a language school when she was seven. A. sent B. is sent C. will send D. was sent
A. A
B. B
C. C
D. D
【单选题】
19. — Is this park youve visited recently? — Yes, it's the most beautiful one Ive ever visited before. A. that B. the one C. which D. the one which
A. A
B. B
C. C
D. D
【单选题】
20. — Its difficult for the village children to cross the river for school. — I think a bridge ________ over the river. A. should be built B. is being built C. has been built D. was built
A. A
B. B
C. C
D. D
【单选题】
21. — Could you tell me when Mr. Li ________ in Huaibei?    — Sure..When he ________, I’ll call you.    A. arrives; will arrive B. will arrive; will arrive C. arrives; arrives D. will arrive; arrives
A. A
B. B
C. C
D. D
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