【多选题】
贷款审批要素广义上是指贷款审批方案中应包含的各项内容，具体包括___。
A. 贷款品种
B. 贷款利率
C. 授信对象
D. 发放条件与支付方式
E. 担保方式
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相关试题
【多选题】
贷款期限的审定要点有___。
A. 贷款期限应与借款人资产转换周期相匹配
B. 贷款期限应符合相应授信品种有关期限的规定
C. 贷款期限一般应控制在借款人相应经营的有效期限内
D. 贷款期限应与借款人的风险状况及风险控制要求相匹配
E. 贷款期限应与其他特定还款来源的到账时间相匹配
【多选题】
在满足借款合同用款前提条件的情况下，无正当理由或借款人没有违约，___。
A. 银行必须按借款合同的约定按时发放贷款
B. 银行不按时发放贷款是违约行为
C. 银行不按时发放贷款，自身不会遭受任何损失
D. 银行不按时发放贷款，可能影响借款人的生产经营计划
E. 银行不按时发放贷款，可能影响贷款的正常收回
【多选题】
银行在进行贷款发放的审查时，应审查借款人提交的借款凭证是否完全符合要求，确认___正确无误。
A. 贷款用途
B. 提款账号
C. 提款日期
D. 提款金额
E. 预留印鉴
【多选题】
银行可以对借款人采取终止提款措施的情况包括___。
A. 挪用贷款
B. 未按合同规定清偿贷款本息
C. 违反国家政策法规，使用贷款进行非法经营
D. 其他影响企业偿债能力的违约情况
E. 用于临时周转的款项
【多选题】
商业银行在坚持“区别对待，择优扶植”的原则时，要做到___。
A. 贷款的发放和使用应当符合相关的法律法规
B. 贷款的投向应当突出重点
C. 根据企业的经营管理和经济效益选择贷款对象
D. 严格区分企业的优劣
E. 接程序办理贷款
【多选题】
挪用贷款的情况一般包括___。
A. 用贷款进行股本权益性投资
B. 用贷款进行有价证券、期货等投机经营
C. 未依法取得经营房地产资格的借款人使用贷款经营房地产业务
D. 套取贷款，相互借贷以获取非法收人
E. 借款企业挪用流动资金进行基本建设或用于财政性开支或用于弥补企业亏损
【多选题】
加强合同管理的实施要点有___。
A. 修订和完善贷款合同等协议文件
B. 建立完善有效的贷款合同管理制度
C. 加强贷款合同规范性审查管理
D. 实施履行监督、归档、检查等管理措施
E. 做好有关配套和支持工作
【多选题】
放款执行部门要审核银行内部授信流程的___。
A. 合法性
B. 合规性
C. 完整性
D. 有效性
E. 及时性
【多选题】
贷款人出现任何违约事件，银行有权分别或同时采取下列哪些措施?___
A. 要求借款人限期纠正违约事件
B. 停止借款人提款或取消借款人尚未提用的借款额度
C. 宣布贷款合同项下的借款本息全部立即到期，根据合同约定立即从借款人在银行开立的存款账户中扣款用于偿还被银行宣布提前到期的所欠全部债务
D. 宣布借款人在与银行签订的其他贷款合同项下的借款本息立即到期，要求借款人立即偿还贷款本息及费用
E. 向人民法院提起诉讼
【多选题】
贷款合同纠纷解决的方式有___。
A. 调解
B. 协商和解
C. 仲裁
D. 诉讼
E. 处置抵押物
【多选题】
贷款合同分为___。
A. 格式合同
B. 非格式合同
C. 口头承诺合同
D. 无限制合同
E. 以上都对
【多选题】
在抵押期间，银行经办人员对抵押物检查时应___。
A. 定期检查抵押物的存续状况、占有、使用、转让、出租等处置行为
B. 发现抵押物价值非正常减少，应及时查明原因并采取有效措施
C. 如发现抵押人的行为将造成抵押物价值减少，应要求抵押人停止担保
D. 如抵押人行为已造成抵押物价值减少，应要求抵押人恢复抵押物的价值
E. 如抵押人无法完全恢复抵押物的价值，应要求抵押人停止担保
【多选题】
下列属于财务状况预警信号的有___。
A. 存货周转速度放慢
B. 现金状况恶化
C. 应收账款余额或比例激增
D. 流动资产状况恶化
E. 固定资产迅速变化
【多选题】
同一财产向两个以上债权人抵押的，拍卖、变卖抵押财产所得的价款按照规定清偿。下列说法正确的是___。
A. 登记顺序不同的，按照债权比例清偿
B. 抵押权已登记的先于未登记的受偿
C. 抵押权已登记的，按照登记的先后顺序清偿
D. 登记顺序相同的，按照债权比例清偿
E. 抵押权未登记的，按照债权比例清偿
【多选题】
根据《商业银行授信工作尽职指引》，影响客户资信的重大事项包括___。
A. 外部政策变动
B. 客户组织结构、股权或主要领导人发生变动
C. 客户的担保超过所设定的担保警戒线
D. 客户财务收支能力发生重大变化
E. 客户涉及重大诉讼
【多选题】
档案管理的原则主要有___。
A. 管理制度健全
B. 人员职责明确
C. 档案门类齐全
D. 信息充分利用
E. 提供有效服务
【多选题】
以下属于可疑类贷款的特征有___。
A. 借款人处于停产、半停产状态
B. 固定资产贷款项目处于停缓状态
C. 银行已诉诸法律来回收贷款
D. 贷款经过了重组仍然逾期，或仍然不能正常归还本息，还款状况没有得到明显改善
E. 借款人已彻底停止经营活动
【多选题】
以下属于次级类贷款的特征有___。
A. 借款人不能偿还对其他债权人的债务
B. 借款人采取隐瞒事实等不正当手段套取贷款
C. 借款人内部管理问题未解决，妨碍债务的及时足额清偿
D. 借款人支付出现困难，并且难以按市场条件获得新的资金
E. 固定资产贷款项目停止时间很长，复工无望
【多选题】
下列关于基本信贷分析的说法，正确的有___。
A. 需分析目前的还款来源，进而分析可用于偿还贷款的还款来源风险
B. 不需关注贷款的目的
C. 要对贷款使用过程中的周期性分析
D. 贷款期限的确定要符合资本循环的转换
E. 还款记录对贷款分类的确定有特殊的作用
【多选题】
下列关于还款能力分析的说法中正确的是___。
A. 评估借款人偿还能力的一个重要的方式就是对借款人进行财务分析，借款人的偿债能力与其盈利能力、营运能力、资本结构和现金净流量等密切相关
B. 贷款风险分类最核心的内容就是款项是否充足
C. 现金流量是偿还贷款的主要还款来源，还款能力的主要标志就是借款人的现金流量是否充足
D. 通过财务报表和数据的分析与预测，可以考察借款人过去和现在的收入水平、资产状况及其构成、所有者权益状况及其构成、偿债能力等
E. 分析借款人现金流量是否充足，其主要目的是分析借款人经营活动产生的现金流量是否足以偿还贷款本息
【多选题】
下列关于贷款损失准备金计提原则的说法中，正确的是___。
A. 审慎会计原则的核心内容是对利润的估计和记载要谨慎或保守，对损失的估价和记载要充分，同时要保持充足的准备金以弥补损失
B. 审慎会计原则是指对具有估计性的会计事项，应当谨慎从事，应当合理预计可能发生的损失和费用，不预计或少预计可能带来的利润
C. 按照审慎会计原则，对估计损失的记载应选择就高不就低，对利润的记载和反映要选择就低而不就高
D. 贷款损失准备金的计提应当符合审慎会计原则的要求
E. 充足性原则是指商业银行应当随时保持足够弥补贷款内在损失的准备金
【多选题】
通过贷款分类应达到以下___目标。
A. 揭示贷款的实际价值和风险程度，真实、全面、动态地反映贷款质量
B. 及时发现信贷管理过程中存在的问题，加强贷款管理
C. 为判断贷款损失准备金是否充足提供依据
D. 变化调整分类结果
E. 适度调整分类等级
【多选题】
衡量借款人短期偿债能力的指标有___。
A. 资产负债比率
B. 现金比率
C. 速动比率
D. 流动比率
E. 产权比率
【多选题】
不良贷款指的是___。
A. 正常
B. 关注
C. 次级
D. 可疑
E. 损失
【判断题】
一般商业银行信贷资金周转速度越快，流动性越强，安全性越强，效益性越强
【判断题】
借款人将债务全部或部分转让给第三方的，无须取得银行的同意
【判断题】
保证方式包括一般保证和连带责任保证两种方式
【判断题】
区域风险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
【判断题】
行业风险是指由于一些不确定因素的存在，导致对某行业生产、经营、投资或授信后偏离预期结果而造成损失的可能性
【判断题】
只要流动比率高，借款人的短期偿债能力就一定强
【判断题】
一般来说，流动比率和速动比率越低，说明企业资产的变现能力越强，短期偿债能力越强；反之亦成立
【判断题】
在抵押期间，经办人员应定期检查抵押物的存续状况以及占有、使用、转让、出租及其他处置行为
【判断题】
在分析资产负债表时，一定要注意借款人的资产结构是否合理，是否与同行业的比例大致相同。如借款人的资产结构与同行业的比例存在较大的差异，就应该进一步分析差异产生的原因
【判断题】
中长期项目贷款需要提供资本金已到位或能按期到位的证明等项目配套文件
【判断题】
银行有权检查借款人是否按合约规定的用途使用贷款
【判断题】
“实贷实付”，是指银行业金融机构(贷款人)按照贷款项目进度和有效贷款需求，根据借款人的提款申请和支付委托，将贷款资金以受托支付的方式，支付给符合合同约定的借款人交易对象的支付过程
【判断题】
中层管理层较为薄弱，企业人员更新过快或员工不足属于企业的经营风险
【判断题】
在分析保证人的保证实力时银行应以同样的管理措施对待借款人和保证人
【判断题】
在抵押期间，经办人员应定期检查抵押物的存续状况以及占有、使用、转让、出租及其他处置行为
推荐试题
【多选题】
When upgrading a VMware vSAN cluster to version 6.5, which two tasks must be completed to comply with upgrade requirements and VMware-recommended best practices? (Choose two.)___
A. Use RVC to upgrade the hosts.
B. Use the latest available ESXi version.
C. Back up all VMs.
D. Use only the “Full data migration” maintenance mode option.
【多选题】
What two enhancements are in VMFS6 but not in VMFS5? (Choose two.)___
A. Support for 4k native disks
B. Support for 512e disks
C. GPT storage device partitioning
D. Automatic space reclamation
【多选题】
Which two statements describe why a vSphere DRS cluster would report load imbalance? (Choose two.)___
A. The configured migration threshold is too high.
B. The configured migration threshold is too low.
C. DRS is configured for Partially Automated.
D. Enhanced vMotion Compatibility (EVC) is enabled.
【多选题】
A vSphere Administrator must ensure that vCenter Server service is running in a domain user account rather than Local System Account. To accomplish this, the user account should have which two permissions? (Choose two.)___
A. Log on as a service.
B. Act as part of the operating system.
C. Log on as a batch job.
D. Log on locally.
【多选题】
A virtual machine fails to power on after being deployed from a template. What two remediation steps could correct this issue? (Choose two.)___
A. Increase CPU reservation
B. Decrease memory reservation
C. Increase memory reservation
D. Increase datastore capacity
E. Decrease CPU reservation
【多选题】
Which three directories are available under the vcsa-cli-installer folder of the vCenter Server Appliance installation media? (Choose three.)___
A. \mac
B. \ovftool
C. \migration-assistant
D. \win32
E. \lin64
【多选题】
What are three considerations when booting ESXihost from SAN software FCoE? (Choose three.)___
A. The VMware_FCoE_vSwitch that the installer automatically created cannot be changed.
B. Boot LUN cannot be shared with other hosts even on shared storage.
C. Multipathing is not supported at pre-boot.
D. Software FCoE boot configuration cannot be changed from within
E. SXi.
【多选题】
Which two choices are applicable to vSphere Availability? (Choose two.)___
A. Heartbeat Datastores
B. VM Startup/Shutdoown
C. Power Management
D. Admission Control
【多选题】
A user is a member of groups A and B. -VM10 and VM20 are in VM Folder. -Group A is assigned permission “Read-only” on VM Folder. What two configurations will allow the user to edit the settings for only VM10? (Choose two.)___
A. Assign group B permission “virtual machine power user” to VM10.
B. Assign group B permission “virtual machine console user” to VM10.
C. Assign group A permission “virtual machine console user” to VM10.
D. Assign group A permission “virtual machine power user” to VM10.
【多选题】
Which two new vSphere 6.5 features enable an Administrator to locate configuration options when creating or editing host profiles more easily than in previous versions? (Choose two.)___
A. Add the configuration option to favorites.
B. Navigate the option tree.
C. Search for the configuration option.
D. Copy the configuration option from a different profile.
【多选题】
What are the two valid storage controller types for VMs on ESXi 6.5? (Choose two.)___
A. FCoE
B. SATA
C. NVMe
D. iSCSI
【多选题】
Which two options can optimize conversion with VMware Converter? (Choose two.)___
A. Disable real-time antivirus scanners.
B. Remove the source from Active Directory.
C. Remove third-party device drivers.
D. Exclude diagnostic partitions from conversion.
E. Disable Volume Shadow Copy (VSS).
【多选题】
vSphere Availability considers which two factors for virtual machine restarts? (Choose two.)___
A. Host Isolation Response
B. file accessibility
C. NUMA node size
D. resource reservations
【多选题】
Which two virtual NICs support Wake-on-Lan to resume a virtual machine that is in standby mode? (Choose two)___
A. Flexible
B. E1000E
C. E1000
D. vmxnet 3
【多选题】
Which two logs should be examined to troubleshoot a Windows vCenter Server upgrade failure? (Choose two.)___
A. vminst.log
B. vim-um-msi.log
C. firstboot.log
D. pkgmgr.log
【多选题】
Which are two supported storage primitives for VAAI NAS? (Choose two.)___
A. Full File Clone
B. Reserve Space
C. hardware assisted locking
D. block zeroing
【多选题】
Which two parameters must be configured for Windows in-guest disk mirroring? (Choose two.)___
A. scsi#.returnNoConnectDuringAPD = “FALSE”
B. scsi#.terminateVMOnPDL = “TRUE”
C. scsi#.returnBusyOnNoConnectStatus = “FALSE”
D. scsi#.returnNoConnectDuringAPD = “TRUE”
【多选题】
Which two items are required to enable NPIV in a virtual machine? (Choose two.)___
A. use of physical RDMs
B. physical HBA support
C. use of virtual disks
D. hardware version 11 or higher
【多选题】
A vSphere Administrator has VM Component Protection (VMCP) enabled, but the VM was not restarted when one of the VMFS datastores experienced an All Paths Down (APD) failure. What two scenarios would explain why the virtual machine was not restarted? (Choose two.)___
A. VM Monitoring is required in order for VMCP to failover during an APD event.
B. VMware Tools is not installed on the guest operating system for the VM.
C. Insufficient Capacity is available on the failover ESXi hosts.
D. The APD failure was corrected before the VM could be restarted.
【多选题】
What are two requirements in order to restore a Resource Pool Tree from a snapshot? (Choose two.)___
A. vSphere DRS must be turned on.
B. A restore can only be performed on a vSphere DRS cluster within the original vCenter Server.
C. vSphere
D. RS must be turned off.
【多选题】
Which three vSphere features are compatible with vSphere Replication? (Choose three.)___
A. vSphere High Availability
B. vSphere Fault Tolerance
C. vSphere Storage
D. RS
【多选题】
What two VMware Remote Console Options can be defined in the virtual machine settings? (Choose two.)___
A. Boot Delay
B. Maximum number of sessions
C. Guest OS lock
D. Total video memory
【多选题】
VMware Converter can import a powered off virtual machine from which two virtual machine platforms?(Choose two.)___
A. Microsoft Hyper-V
B. Citrix Xen
C. VMware Workstation
D. Linux with KVM
【多选题】
Which two options allow storage space reclamation? (Choose two.)___
A. Use VMFS6 datastores.
B. Use esxcli storage vmfs unmap.
C. Use the SAN console (management tool).
D. Use the vSphere Web Client.
【多选题】
An administrator must reprovision 25 hosts with a new image profile that he has created. Which two methods can the administrator use to change the image profile? (Choose two.)___
A. From the vSphere Web client home page, select the Deploy Rules tab in the Auto Deploy section.
B. Run the Copy-Deploy Rule and specify the Replace Item parameter with Power CLI.
C. From the vSphere Web client home page, select the Assign Rules tab in the Auto
D. eploy section.
【多选题】
What are three parameters for traffic filtering or marking? (Choose three.)___
A. Protocol
B. Traffic Direction
C. DSCP value
D. virtual Port ID
【多选题】
The vSphere administrator must change the path selection policy (PSP) to comply with best practices. Which two interfaces can be used to change the PSP? (Choose two.)___
A. ESXi shell
B. vSphere Client
C. ESXi host client
D. vSphere Web Client
【多选题】
In what two ways can Storage DRS load balance virtual machines? (Choose two.)___
A. anti-affinity rules
B. virtual storage controller
C. guest OS family
D. I/O latency
【多选题】
What two reasons can explain why a host cannot be removed from a vSphere Distributed Switch? (Choose two.)___
A. There are virtual machine network adapters connected to the switch.
B. There are blocked ports on the switch.
C. There are LACP LAGs configured on the switch.
D. There are VMkernel network adapters connected to the switch.
【多选题】
Which three requirements are true for the vCenter Server HA network? (Choose three.)___
A. Network latency between all nodes must be less than 10 milliseconds.
B. IP addresses for all nodes must be static.
C. HA network IP addresses for all nodes can be on different subnets.
D. IP addresses must be on the same network as the management network.
E. A default gateway must be configured.
【多选题】
Which two statements correctly describe Normal Lockdown Mode? (Choose two.)___
A. ESXi Shell and SSH services are independent of lockdown mode.
B. In normal lockdown mode the DCUI service is stopped.
C. ESXi Shell and SSH services are dependent of lockdown mode and cannot be configured.
D. In normal lockdown mode the DCUI service is running.
【多选题】
The Health check feature in the vSphere Distributed Switch helps troubleshoot network connectivity. What three checks does this feature perform? (Choose three.)___
A. Network Utilization
B. MTU
C. Teaming and Failover
D. VLAN
【多选题】
What are the three types of nodes in a vCenterServer HA cluster? (Choose three.)___
A. Master
B. Replica
C. Witness
D. Active
E. Passive
【多选题】
What are two consequences of turning off vSphere DRS on a cluster? (Choose two.)___
A. vMotion capability will be lost.
B. Resource pools will be lost.
C. vApps will be lost.
D. Affinity rules will be lost.
【多选题】
Which two protocols can be used to back up vCenter Server Appliance Instance? (Choose two.)___
A. iSCSI
B. HTTPS
C. FTP
D. NFS
【多选题】
What are two requirements to enable EVC in a vSphere DRS cluster? (Choose two.)___
A. CPU must be in the same family and of the same speed.
B. CPUs must be from the same vendor.
C. EVC must use the lowest possible baseline supported by the hardware.
D. No VMs may be running in the cluster.
【多选题】
In Advanced settings on a vSphere host, Security.Password Quality Control set as retry=3 min=disabled, disabled, disabled, 7, 7 . Which two passwords are valid? (Choose two.)___
A. xQaT3#A
B. P@ssw0rd
C. xQaTEh2
D. Xqat3h!
E. xQaTEhb!
【多选题】
To support Auto-Deploy, which two network requirements must be met? (Choose two.)___
A. IP multicast support
B. IPv4 or IPv6
C. PXE boot
D. 10 GbE networking
【多选题】
A vSphere administrator receives reports of a virtual machine performing extremely slowly, with CPU usage being the suspected bottleneck. After reviewing esxtop (view the Exhibit), which two scenarios could cause a performance problem for the virtual machine? (Choose two.)___
A. A processor affinity is configured for the virtual machine.
B. A virtual machine CPU limit is configured.
C. A virtual machine reservation is configured.
D. A virtual machine memory limit is configured.
E. A virtual machine CPU reservation is configured.
【多选题】
Which three source object types are available for subscription when creating a subscribed content library in vSphere 6.5? (Choose three.)___
A. vSphere 6 library
B. HTTP server
C. vCD 5.5 catalog
D. CIFS repository
E. 3rd-party library
