【单选题】
借款人存货周转率是指用一定时期内的___除以（）得到的比率。
A. 平均存货余额，销货收入
B. 销货收入，平均存货余额
C. 销货成本，平均存货余额
D. 平均存货余额，销货成本
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相关试题
【单选题】
反映客户长期偿债能力的比率是___
A. 流动比率
B. 资产负债率
C. 净利润率
D. 速动比率
【单选题】
___是指企业长期使用但没有实物形态的资产，包括土地使用权.专利权.商标权.商誉等。
A. 递延资产
B. 流动资产
C. 固定资产
D. 无形资产
【单选题】
在抵押期间，不论抵押物所生的是天然孳息还是法定孳息，由___来收取。
A. 抵押人
B. 质权人
C. 银行
D. 抵押权人
【单选题】
在贷款质押业务的风险中，最主要的风险因素是___。
A. 虚假质押风险
B. 司法风险
C. 汇率风险
D. 操作风险
【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】
以下各项中不得抵押的财产是___。
A. 抵押人依法有处分权的原材料.半成品.产品
B. 抵押人所有的机器.交通运输工具和其他财产
C. 土地所有权
D. 专款专用
【单选题】
信贷人员应根据抵押物的___，分析其变现能力，充分考虑抵押物价值的变动趋势，科学地确定抵押率。
A. 原值
B. 评估现值
C. 市场价值
D. 核定价值
【单选题】
下列关于质押和抵押的区别说法，不正确的是___
A. 质权的标的物为动产和财产权利，动产质押形成的质权为典型质权
B. 抵押权的设立不转移抵押标的物的占有，而质权的设立必须转移质押标的物的占有
C. 质权的设立不交付质物的占有，因而质权人没有保管标的物的义务，而在抵押的场合，抵押权人对抵押物则负有善良管理人的注意义务
D. 在抵押担保中，抵押物价值大于所担保债权的余额部分，可以再次抵押
【单选题】
下列关于质押的说法，不正确的是___。
A. 质押是债权人所享有的通过占有由债务人或第三人移交的质物而使其债权优先受偿的权利
B. 设立质权的人称为质权人
C. 质押担保的范围包括质物保管费用
D. 以质物作担保所发放的贷款为质押贷款
【单选题】
下列关于抵押物估价的说法，正确的是___
A. 可以由抵押人自行评估
B. 可以由债务人自行评估
C. 可委托具有评估资格的中介机构给予评估
D. 可以由抵押人委托给政府物价部门进行估价
【单选题】
如果抵押人的行为足以使抵押物价值降低的，抵押权人(银行)有权除了可以追加担保品之外，还可以___
A. 要求抵押人停止其行为，并要求其恢复抵押物的价值
B. 收缴罚金
C. 责令其更换同价值担保品
D. 拍卖担保品
【单选题】
借款人需要将其动产与权利凭证移交银行占有的贷款方式为___
A. 质押贷款
B. 抵押贷款
C. 信用贷款
D. 留置贷款
【单选题】
关于贷款质押风险防范，下列说法不正确的是___。
A. 为防范虚假质押风险，银行查证质押票证时，有密押的应通过联行核对
B. 动产或权利凭证质押，银行要亲自与出质人一起到其托管部门办理登记，将出质人手中的全部有效凭证质押在银行保管
C. 接受共有财产质押，必须经所有共有人书面同意
D. 为防范质物司法风险，银行必须严格审查各类质物适用的法律.法规，确保可依法处置质物；对难以确认真实.合法.合规性的质物或权利凭证可以质押
【单选题】
对于由第三方提供担保的保证贷款，在___的情况下，银行无权要求借款人追加新的保证人。
A. 由于借款人要求贷款展期造成贷款风险增大，银行加收罚息而导致借款人债务负担加重，而原保证人又不同意增加保证额度
B. 保证人的担保资格发生不利变化
C. 抵押品市场价值出现变化
D. 担保人自身的财务状况恶化
【单选题】
保证人性质的变化会导致保证资格的丧失，保证人应是具有代为清偿能力的___
A. 企业
B. 企业法人
C. 自然人
D. 企业法人或自然人
【单选题】
保证期间是指___主张权利的期限。
A. 保证人向借款人
B. 保证人向债权人
C. 债权人向保证人
D. 债权人向债务人
【单选题】
保证方式除一般保证外还包括___
A. 部分责任保证
B. 全责责任保证
C. 第一顺序责任
D. 连带责任保证
【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。
【单选题】
客户的还款能力主要取决于___。
A. 客户的信誉
B. 客户的现金流
C. 贷款期限
D. 贷款金额
【单选题】
___是指将信贷业务办理过程中的调查和审查环节进行分离，分别由不同层次机构和不同部门(岗位)承担，以实现相互制约并充分发挥信贷审查人员专业优势的信贷管理制度。
A. 信贷授权
B. 授信额度
C. 贷款审查
D. 审贷分离
【单选题】
在中长期贷款发放过程中，银行应按照___进行付款。
A. 合同约定
B. 完成工程量的多少
C. 贷款人申请额度
D. 计划付款期
【单选题】
在贷款发放阶段，以下做法不正确的是___。
A. 在审查担保类文件时，公司业务人员应特别注意抵(质)押协议生效的前提条件
B. 借款人用于建设项目的其他资金应与贷款同比例支用
C. 在中长期贷款发放过程中，银行应按照完成工程量的多少进行付款
D. 贷款原则上可以用于借款人的资本金.股本金和企业其他需自筹资金的融资
【单选题】
在贷款发放的原则中，___原则是指在中长期贷款发放过程中，银行应按照完成工程量的多少进行付款。
A. 进度放款
B. 计划.比例放款
C. 等比例支用
D. 资本金足额
【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】
受托支付是___的重要手段，（）是贷款支付的主要方式。
A. 自主支付；实贷实付
B. 实贷实付；受托支付
C. 实贷实付；自主支付
D. 自主支付；自主支付
【单选题】
企事业单位的工资.奖金等现金的支取只能通过___办理。
A. 基本存款账户
B. 一般存款账户
C. 临时存款账户
D. 专用存款账户
【单选题】
贷放分控是指银行业金融机构将___作为两个独立的业务环节。
A. 贷前申请与贷款审批
B. 贷款审批与贷款发放
C. 贷款发放与贷款清偿
D. 贷款申请与贷款清偿
【单选题】
《固定资产贷款管理暂行办法》规定，贷款人应设立独立的责任部门或岗位，负责贷款发放和支付审核。其中所指的责任部门是___
A. 前台营销部门
B. 放款执行部门
C. 中台授信审批部门
D. 贷款审核部门
【单选题】
___是指银行业金融机构根据业务管理要求，针对某项业务制定的在机构内部普遍使用的格式统一的合同。
A. 实践合同
B. 格式合同
C. 非格式合同
D. 诺成合同
【单选题】
___是银行发放贷款前最重要的一环，也是贷款发放后能否如数按期收回的关键。
A. 现场调研
B. 搜寻调查
C. 委托调查
D. 贷前调查
【单选题】
___是实贷实付的外部执行依据。
A. 受托支付
B. 按进度发放贷款
C. 满足有效信贷需求
D. 协议承诺
【单选题】
___是实贷实付的基本要求。
A. 满足有效信贷需求
B. 按进度发放贷款
C. 受托支付
D. 协议承诺
【单选题】
下列选项中，不属于有关财务状况的预警信号的是___。
A. 存货激增
B. 现金状况恶化
C. 长期债务大量增加
D. 财务报表呈报不及时
【单选题】
借款人逾期___天以上的，保证人也会进入信贷系统黑名单，不能新增业务，只能逾期借款还清后，注销黑名单后才可办理业务
【单选题】
提前归还贷款指借款人希望改变贷款协议规定的还款计划，提前偿还___，由借款人提出申请，经贷款行同意，缩短还款期限的行为。
A. 本息
B. 全部贷款
C. 全部或部分贷款
D. 部分贷款
【单选题】
借款人不能按期还款时，应在___向银行申请展期。
A. 借款合同签订后
B. 最后支款日前
C. 贷款到期日前
D. 最后支款日后.贷款到期日前
【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。
【单选题】
C公司前期贷了一笔款项，由于其合理经营得当，想提前偿还贷款，应当与___协商。
A. 中国人民银行
B. 贷款人
C. 工商部门
D. 法律部门
【单选题】
重组后的贷款如果仍然逾期，或借款人仍然无力归还贷款，应至少归为___。
A. 次级类
B. 关注类
C. 可疑类
D. 损失类
【单选题】
某项商业银行贷款，借款人无法足额偿还贷款本息，即使执行担保，也肯定造成较大损失的应属于贷款种类中的___类。
推荐试题
【单选题】
Which vSphere 6.x feature will allow an organization to utilize native snapshots?___
A. Virtual Volumes
B. Virtual SAN
C. VMFS3
D. VMFS5
【单选题】
An administrator is creating a new vSphere Distributed Switch that will be utilized with a specific vSphere Cluster. The cluster itself contains a mix of ESXi 5.x and 6.x Hosts. Which Distributed Switch version should be created to support this configuration?___
A. Distributed Switch: 6.0.0
B. Distributed Switch: 5.0.0
C. Distributed Switch: 5.1.0
D. Distributed Switch: 5.5.0
【单选题】
Which load balancing policy, previously limited to vSphere Distributed Switches, is now available on vSphere Standard Switches with vSphere 6.x?___
A. Route based on physical NIC workload
B. Route based on IP Hash
C. Route based on the originating virtual port
D. Route based on Source MAC Hash
【单选题】
A storage administrator is not seeing full utilization of all bandwidth from an ESXi host. The vSphere administrator observes the adapter details, as shown in the Exhibit. What is the probable cause of this issue?___
A. Another path needs to be used to allow full utilization of the bandwidth.
B. The array is not setup to use the correct multipathing policy.
C. There are no virtual machines on the host.
D. No traffic is being sent across it because a path failed.
【单选题】
A storage administrator is not seeing full utilization of all bandwidth from an ESXi host. The vSphere administrator observes the adapter details, as shown in the Exhibit. What is the probable cause of this issue?___
A. Another path needs to be used to allow full utilization of the bandwidth.
B. The array is not setup to use the correct multipathing policy.
C. There are no virtual machines on the host.
D. No traffic is being sent across it because a path failed.
【单选题】
An administrator has just completed performing an interactive installation of ESXi 6.x and is booting the host. How is the network initially configured?___
A. The network is configured by Automatic Private IP Addressing (APIPA).
B. The network is configured based on the settings detected in DNS.
C. The network is configured with the address as specified in the installer.
D. The network is automatically configured by DHCP.
【单选题】
You have just installed an ESXi 6.x Host. As part of your company security regulations, a security banner must be presented on the console of the host. How can this action be accomplished?___
A. Configure the Advanced Settings > Annotations screen of the ESXi host.
B. This is configured from the Direct Console User Interface configuration menu.
C. It is not possible to configure a security banner for the ESXi host.
D. From vCenter Server, this setting is configured globally in the vCenter Server configuration.
【单选题】
An administrator is only able to see the Health Badge when using the vRealize Operations user interface. What is the likely cause of this behavior?___
A. The vRealize Operations Foundation License is in use.
B. The vmware-sps service failed to start.
C. The vRealize Operations Standard License is in use.
D. The vmware-rbd-watchdog service failed to start.
【单选题】
An administrator has configured an alarm to be notified when a virtual machine meets either of these conditions: <High virtual CPU> <High active memory consumption.> <The alarm is only triggering when both of the conditions are met.> What can be done to correct the alarm behavior?___
A. Edit the alarm and select Trigger if ANY of the following conditions are satisfied.
B. Edit the alarm and select Trigger if ALL of the following conditions are satisfied.
C. Create two separate alarms, one for CPU and one for memory and link them together with ESXCLI.
D. Delete the existing alarm and create a new event based alarm.
【单选题】
An administrator creates an ESXi cluster using vSphere Auto Deploy. The ESXi hosts are configured to get a management IP address from a DHCP server. The administrator needs to troubleshoot the management network on one of the hosts. Which DCUI option should the administrator use to renew the DHCP lease? ___
A. Restart Management Network
B. Restore Network Settings
C. Test Management Network
D. Configure Management Network
【单选题】
An administrator is attempting to restore a number of files in a directory within the Operating System of a virtual machine. How can the administrator restore the files from a previous backup? ___
A. Use the File Level Restore option from the selected backup of the virtual machine in the vSphere Web Client.
B. Connect to the File Level Restore tool from a web browser in the virtual machine.
C. Connect to the File Level Restore tool from the VMware
D. ata Protection appliance.
【单选题】
After selecting an object in vRealize Operations, how can a user compare the badge values of related child objects? ___
A. Use the Scoreboard tab
B. Use the Relationship tab
C. Use the Members tab
D. Use the Overview tab
【单选题】
You want to deploy a vApp and dynamically assign IP addresses without a DHCP server on the network. Which action would you take to accomplish this task? ___
A. Enable IP pools.
B. Configure a local DHCP server in the vApp.
C. Enable NAT on the vApp router.
D. Configure the guest OS for workgroup and WINS.
【单选题】
What is the optimal configuration when building a virtual machine for a single-threaded Windows application? ___
A. Deploy single-threaded applications on uniprocessor virtual machines.
B. Deploy single-threaded applications on symmetric multi-processor virtual machines.
C. Tune single-threaded applications to take advantage of symmetric multi-processor resources.
D. Tune Single-threaded applications at the hypervisor level.
【单选题】
An administrator has created the resource pool configuration shown in the Exhibit. Based on the exhibit, which virtual machine(s) can be successfully powered on? ___
A. VM-M1 only
B. VM-K1 only
C. VM-K1 and VM-K2 only
D. VM-K1, VM-K2, and VM-M1
【单选题】
Which vSphere 6 Enterprise Edition feature will allow an organization to ensure that critical multi-threaded applications have the maximum possible uptime? ___
A. Fault Tolerance
B. High Availability
C. Distributed Resource Scheduler
D. App HA
【单选题】
An administrator has a virtual machine that requires four times the compute resources than other virtual machines on the same ESXi 6.x host. How should the administrator configure the virtual machine settings, in order to be prepared for any resource contention? ___
A. Set the shares of the priority virtual machine to High and the rest to Low.
B. Set the shares of the priority virtual machine to High.
C. Set the shares of the priority virtual machine to High and the rest to Normal.
D. Set the shares of the priority virtual machine to Normal and the rest to Low.
【单选题】
Which type of Adapter does not require vmkernel networking? ___
A. Independent Hardware iSCSI Adapter
B. Dependent Hardware iSCSI Adapter
C. Software iSCSI Adapter
D. Software FCoE Adapter
【单选题】
During the installation of ESXi 6.0, the following error message is reported: Hardware Virtualization is not a feature of the CPU, or is not enabled in the BIOS. Which condition would generate this message? ___
A. LAHF/SAHF is not enabled in the BIOS.
B. NX/XD is not enabled in the BIOS.
C. SSE3 is not enabled in the BIOS.
D. Hyperthreading is not enabled in the BIOS.
【单选题】
An administrator is unable to login to vCenter Server when using the vSphere web client. The administrator successfully accessed vCenter Server using the client earlier the same day. What is the most appropriate first step the administrator should take to resolve this issue? ___
A. Verify the web browser being used has Adobe Flash plugin version 11.5 or later
B. Verify the vCenter Single Sign-On service is running on the vCenter Server
C. Verify the vSphere Web Server service is running on the vCenter Server
D. Verify the administrator has permissions configured in vCenter Server
【单选题】
An administrator has configured an alarm to be notified when a virtual machine meets two conditions: <high virtual CPU> <high active memory consumption> The alarm is malfunctioning and triggering when either condition is met instead of both. What can be done to correct the issue? ___
A. Edit the alarm and select Trigger if ALL of the following conditions are satisfied.
B. Edit the alarm and select Trigger if ANY of the following conditions are satisfied.
C. Create two separate alarms, one for CPU and one for memory.
D. Delete the existing alarm and create a new event based alarm.
【单选题】
What must be enabled to ensure that VM Component Protection (VMCP) works in a High Availability cluster? ___
A. VMware Tools Virtual Machine Communication Interface (VMCI)
B. Fault Tolerance
C. Atomic Test and Set (ATS)
D. All Paths Down (APD) Timeout
【单选题】
An administrator wants to add a web server to an existing multi-tier application consisting of three virtual machines: <A web server> <A database server An application server> The web server should be added to the application when the primary web server reaches: <70% vCPU utilization> <55% active memory> Which option will achieve this result? ___
A. Create a virtual machine alarm with an action to run a script that starts a new instance of the web server.
B. Create a host cpu and memory alarm with an action to run a script that starts a new instance of the webserver.
C. Configure HA application monitoring for the web server and set it to trigger deployment of a new instance of the web server.
D. Configure Fault Tolerance on the virtual machine and leave the secondary machine disabled until needed.
【单选题】
An administrator has an application that requires connection directly to PCI devices through a virtual machine. What is a limitation of this configuration? ___
A. Devices must be reserved for PCI passthrough on at least one host on which the virtual machine will run.
B. Snapshots are not supported with DirectPath I/O passthrough devices.
C. A maximum of 18 PCI vSphere
D. irectPath devices can be added to a virtual machine.
【单选题】
The vSphere administrator is configuring directory services for an ESXi host: What should the vSphere administrator do to configure the host to use CAM services? ___
A. Check the Use vSphere Authentication Proxy checkbox.
B. Set Select Directory Service Type to CAM services.
C. Specify CAM$ for the
D. omain.
【单选题】
Which statement is true regarding the licensing of vCenter Server? ___
A. The license for vCenter Server must be provided at the time of installation.
B. Changing the license assigned to vCenter Server requires a restart of the vCenter Server service.
C. Virtual machines can still be powered on if the vCenter Server license expires.
D. Licensing for a single vCenter Server installation is determined by the number of managed virtual machines.
【单选题】
When configuring vSphere Replication for a virtual machine, what is the lowest Recovery Point Objective (RPO) that can be selected? ___
A. 1 min
B. 5 min
C. 10 min
D. 15min
【单选题】
A developer needs to create a multi-tier development stack for a home lab. Which vSphere product will support the architecture required for the least software cost? ___
A. vSphere Hypervisor
B. vSphere Essentials
C. VMware Player
D. VMware Workstation
【单选题】
An administrator is installing Windows into a virtual machine. The DVD has been mounted on the Host and configured for the virtual machine as shown in the Exhibit. Based on the exhibit, when the virtual machine is booted, why would it attempt to search for a PXE server? ___
A. The CD/DVD device is not connected.
B. The ISO is in the incorrect storage location.
C. The OS minimum requirements have not been met.
D. The CD/DVD device is not set to Client Device.
【单选题】
What component must be installed prior to deploying a vCenter Server in vSphere 6.x? ___
A. vCenter Identity Services
B. Platform Services Controller
C. vCenter Single Sign-On
D. Client Integration Plug-In
【单选题】
What is a valid plug-in status for a plug-in that has been added to a vSphere client? ___
A. Disabled
B. Unknown
C. Stopped
D. Installed
【单选题】
Users of an application are reporting performance issues. The following performance values are observed in the vSphere Web Client: <Host CPU utilization is 90%> <Virtual Machine memory utilization is consistently greater than 90% CPU Ready values are higher than 20%> What could be the cause of the application performance issue? ___
A. The host is lacking the CPU resources required to meet the demand.
B. The host is lacking the memory resources required to meet the demand.
C. The virtual machine is lacking the CPU resources required to meet the demand.
D. The virtual machine is lacking the memory resources required to meet the demand.
【单选题】
An administrator creates an ESXi cluster using vSphere Auto Deploy. The ESXi hosts are configured to get a management IP address from a DHCP server. The administrator needs to troubleshoot the management network on one of the hosts. Which DCUI option should the administrator use to renew the DHCP lease? ___
A. Restart Management Network
B. Restore Network Settings
C. Test Management Network
D. Configure Management Network
【单选题】
An administrator is re-provisioning an ESXi host and moving it to another datacenter. Which DCUI option should the administrator use to revert the system configuration to the default settings? ___
A. Reset System Configuration
B. Rebuild Default System Configuration
C. Revert System Configuration
D. Renew Default System Configuration
【单选题】
An administrator has just completed installing an ESXi 6.x host, but doesn't know what address has been configured. Where is the ESXi host IP address configured? ___
A. RVC console
B. Direct Console User Interface
C. vSphere Web Client
D. vSphere Client
【单选题】
When is it possible to place a VMFS5 datastore in maintenance mode? ___
A. When it is a member of a Storage DRS cluster
B. When it is a member of Virtual SAN cluster
C. When it is a member of a multi-extent datastore
D. When it is a member of a Virtual Volume
【单选题】
Immediately after installing ESXi, an administrator observes that the Configure Lockdown Mode option is grayed out in the Direct Console User Interface (DCUI). What is the most likely explanation? ___
A. The host has not yet been added to a vCenter Server.
B. The BIOS on the host does not have NX/XD enabled.
C. The ESXi host is running in evaluation mode.
D. The host requires a reboot before this feature is available.
【单选题】
Immediately after installing ESXi, an administrator observes that the Configure Lockdown Mode option is grayed out in the Direct Console User Interface (DCUI). What is the most likely explanation? ___
A. The host has not yet been added to a vCenter Server.
B. The BIOS on the host does not have NX/XD enabled.
C. The ESXi host is running in evaluation mode.
D. The host requires a reboot before this feature is available.
【单选题】
Which Single Sign-On deployment mode should an administrator use for two 6.x vCenter Servers configured with linked mode? ___
A. Basic Single Sign-On with vCenter Server Heartbeat
B. Multisite Single Sign-On
C. Basic Single Sign-On
D. Single Sign-On with Linked Mode
【单选题】
What is required when changing a virtual machine name using the vSphere Web Client? ___
A. Verify connectivity to the ESXi host where the virtual machine is running and its inventory list is accessible.
B. Verify in which datastore the virtual machine resides and that you have access and its inventory list is accessible.
C. Verify that virtual machine files are stored in the same datastore and can be accessed in the datastore browser list.
D. Verify the virtual machine is not running in Fault Tolerant mode and that it is not in a Distributed Resource Scheduler cluster.
