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【判断题】
按照《中国银监会 中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行与第三方支付单位首次建立业务关联时应经双重认证
A. 对
B. 错
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【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,客户银行账户与第三方支付机构首次建立业务关联时,如具备条件,应经双重认证,即客户在通过第三方支付机构认证的同时,还需经过商业银行的客户身份鉴别
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,对开通短信或其他方式即时通知功能的客户,应就每一笔支付交易即时通知客户,通知信息中包含但不限于第三方支付机构名称、交易金额、交易时间等
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行与第三方支付机构合作开展各项业务,对涉及到的客户所有信息管理,均应严格遵循有关法律法规和监管制度规定
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行应对客户的技术风险承受能力进行评估
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行通过电子渠道验证和辨别客户身份,对不具备双(多)种因素认证条件的客户,其任何账户不得与第三方支付机构建立业务关联
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行对账户与第三方支付机构建立业务关联的客户,应开通至少一种账户变动即时通知技术,暂时不具备即时通知条件的客户,也可以通过银行与第三方支付机构建立一次签约、多次支付的业务合作关系
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行不得向客户提供临时调整支付限额服务
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行应对客户通过第三方支付机构进行大额资金划转强化身份认证,确保由客户本人发出资金划转要求
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,如果银行已按要求在业务关联时通过相关信息验证以确保客户身份真实可靠,在交易时可以无需再次验证
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,从银行账户划出的支付交易资金,遇到交易终止、失败应划回原银行账户
A. 对
B. 错
【判断题】
按照《关于加强商业银行与第三方支付机构合作业务管理的通知》规定,商业银行应做好数据和操作指令的整理和日志备份,便于事后检查和审计
A. 对
B. 错
【判断题】
某国有控股银行的一家省级分行,为积极拓展负债业务,提升负债业务的市场份额,以获取更加优异的内部考核,在未告知总行并向兄弟分行保密的情况,与当地的一家大型第三方支付机构合作开展了备付金存管业务,以此获得15亿元的资金沉淀,在当地的负债业务市场份额占比中提升了2个百分比,在总行考核中提升了5个百分比。根据《中国银监会 中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知》规定,该省级分行秘密与第三方支付机构开展备付金存管业务是可行的
A. 对
B. 错
【判断题】
某客户因网上购物需要,想绑定一张银行卡到支付宝上进行快捷支付,由于其未在银行开通短信通知等其他及时通知服务,系统提示无法绑定,并提示其先要在银行开通短信通知服务才能成功绑定。该商业银行的上述系统设置不符合《中国银监会 中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知》相关规定
A. 对
B. 错
【判断题】
A客户是一位长期在境内外从事皮草贸易的商人,为了方便生活和工作该客户办理了一个全球通号码,同时该客户使用该手机号作为其在B银行开立账户的关联手机号,同时开通了短信提示功能以便于其了解自身账户情况。客户A在国外临时急需通过第三方支付机构C进行一笔小额划账业务,为方便客户,B银行通过手机短信方式与A客户确认并协助A客户通过C机构完成了本笔小额划账业务。由于系小额划账业务,B银行的做法符合《中国银监会 中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知》相关规定
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》规定,商业银行分行可以接受总行委托,代理市场营销和询价、项目发起和客户关系维护等操作性事项,也可以在金融交易市场单独开户
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》规定,商业银行法人总部对同业业务专营部门进行集中统一授权,专营部门不得办理未经授权或超授权的同业业务;专营部门在本部门授权范围内对其他部门或分支机构进行转授权
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,商业银行同业业务专营部门可以委托其他部门或分支机构代为办理同业拆借、买入返售和卖出回购债券、同业存单等可通过金融交易市场进行电子化交易的同业业务
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,本通知仅适用于中华人民共和国境内依法设立的商业银行与金融机构之间开展的以投融资为核心的各项同业业务,商业银行以外的其他银行业金融机构不需执行
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,商业银行应具备与所开展同业业务规模和复杂程度相适应的同业业务治理体系,在法人总部对同业业务进行统一管理的基础上,各上级行对下辖机构的同业业务开展情况进行统筹管理
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,商业银行开展同业业务实行专营部门制,由法人总部建立或指定专营部门负责经营
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,商业银行同业业务专营部门以外的其他部门和分支机构不得经营同业业务,已开展的存量同业业务到期后结清;不得在金融交易市场单独立户,已开立账户的不得叙做业务,并在存量业务到期后立即销户
A. 对
B. 错
【判断题】
按照《中国银监会办公厅关于规范商业银行同业业务治理的通知》(银监办发〔2014〕140号)规定,同业业务由总行专营部门进行逐笔审批,相关的资产、负债及损益按照客户归属关系在相应的分支机构账面进行核算
A. 对
B. 错
【判断题】
2014年9月,某农商银行为拓宽金融市场业务,新成立了同业业务部,主要负责开展同业拆借、同业代付、同业投资、买入返售卖出回购等各类业务。根据《银监会办公厅关于规范商业银行同业业务治理的通知》的规定,由于新部门人手有限,为维持原有的同业业务规模,其各地分行仍可自行开展同业业务,但需向同业业务部及时报备
A. 对
B. 错
【判断题】
金融机构开展的以投融资为核心的同业业务,应当按照各项交易的业务实质归入上述基本类型,并针对不同类型同业业务实施分类管理
A. 对
B. 错
【判断题】
同业拆借业务是指经中国人民银行批准,进入全国银行间同业拆借市场的金融机构之间通过全国统一的同业拆借网络进行的各类资金融通行为
A. 对
B. 错
【判断题】
买入返售(卖出回购)是指两家金融机构之间按照协议约定先买入(卖出)金融资产,再按约定价格于到期日将该项金融资产返售(回购)的资金融通行为
A. 对
B. 错
【判断题】
金融机构应当合理配置同业业务的资金来源及运用,将同业业务置于流动性管理框架之下,加强期限错配管理,控制好流动性风险
A. 对
B. 错
【判断题】
金融机构同业投资应严格风险审查和资金投向合规性审查,按照“实质重于形式”原则,根据所投资基础资产的性质,准确计量风险并计提相应资本与拨备
A. 对
B. 错
【判断题】
甲银行与乙银行签署合作协议开展票据买入返售业务,甲银行将其持有的承兑汇票资产卖断给乙银行,并约定在票据到期时予以回购。根据《关于规范金融机构同业业务的通知》的规定,由于票据资产已经卖断,甲银行随即将上述资产从资产负债表转出
A. 对
B. 错
【判断题】
按照《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,银行违反规定开展理财业务的,银监会及其派出机构将按照违反审慎经营规则进行查处
A. 对
B. 错
【判断题】
按照《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,对于一般个人客户,在进行充分的风险评估后银行可以向其提供各类风险等级的理财产品
A. 对
B. 错
【判断题】
按照《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,银行在对高资产净值客户和私人银行客户进行充分的风险评估后,可以向其提供各类风险等级的理财产品
A. 对
B. 错
【判断题】
按照《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,不得提供含有刚性兑付内容的理财产品介绍,保证收益型理财产品除外
A. 对
B. 错
【判断题】
某商业银行销售某款理财产品,客户为文盲,客户经理贾某,在对理财文件逐一解读后,并对整个过程进行录音,根据客户的意思,贾某帮客户填写了相应的理财文件,客户签名时,为帮助客户,贾某在白纸上书写客户名字,客户临摹贾某所写笔迹作为签名,依据《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,该行为符合规定
A. 对
B. 错
【判断题】
某商业银行配合“双十一”活动,将收益为7.8%的原高净值客户的私人银行理财产品的购买门槛由600万元起售降为50万元起售,未要求客户提供相应的资产证明,根据《中国银监会关于完善银行理财业务组织管理体系有关事项的通知》规定,该行为未违反规定
A. 对
B. 错
【判断题】
按照《商业银行资本管理办法(试行)》规定,银监会有权在第二支柱框架下提出更审慎的资本要求,包括按照风险判断针对部分资产组合提出的特定资本要求以及按照监督检查结果针对单家银行提出的特定资本要求
A. 对
B. 错
【判断题】
按照《商业银行资本管理办法(试行)》规定,商业银行计量各类表内资产的风险加权资产,应首先从资产账面价值中扣除相应的减值准备,然后乘以风险权重
A. 对
B. 错
【判断题】
按照《商业银行资本管理办法(试行)》规定,商业银行应当计量银行账户和交易账户的交易对手信用风险加权资产
A. 对
B. 错
【判断题】
按照《商业银行资本管理办法(试行)》规定,商业银行应当制定清晰的银行账户和交易账户划分标准,明确纳入交易账户的金融工具和商品头寸以及在银行账户和交易账户间划转的条件,确保执行的一致性
A. 对
B. 错
【判断题】
按照《商业银行资本管理办法(试行)》规定,商业银行采用权重法的,质物或保证的担保期限大于等于被担保债权期限的,具备风险缓释作用
A. 对
B. 错
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in sb. 's words,count on,make sense of ,reserve for, shield from,call on, sum up, relate to ,in need, be/ get caught up in Betty loves reading.[ ],“Reading is the most wonderful thing in the world.”
【填空题】
open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, Every one of you has made a contribution and I [ ] knowledging what each of you has done to make this academic convention such a success.
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in They all tried to talk [ ], but I couldn't hear anything they said
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, Yellow flowers in the field always [ ] me [ ] my childhood in the countryside
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, We have been practicing for so long and so hard that our team should [ ]winning the game
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, Research on genes will [ ] exciting new medical treatments.,
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, My family [ ] on my father's unemployment benefit after he lost his job
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, Many subway riders read books or listent music in order to [ ] their time on the way to work
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, In order to make sure he would be able to attend the meeting, I called him up two weeks [ ]
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open the door to,In advance,all at once,reap the benefits (of), make the most of,over time, get by, stand a chance (of),remind of, take pleasure in, In order to [ ]physical exercise, you have to exercise regularly and for at least half an hour each time
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical Mary was a careful speaker, every word seemed to have been [ ] before it was allowed to escape through her lips
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical He has a special feeling for the brilliant birds, and each spring he eagerly [ ] their return
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical Thanks to the [ ] of air transport,everyone is free to go anywhere at any time
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical John believes that the [ ] of food to the hungry is more helpful than giving money
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical When she heard it was snowing in the city they were going to, she [ ] two more sweaters into her bag.
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical During our stay in Europe we visited many places of [ ] interest, including several castles
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical The wedding ceremony of my sister was a very [ ] experience for our family
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical He was [ ]when he discovered that he didn't have enough money to pay for the red wine he had ordered
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical The local government is pressed to find new places to [ ] dump waste
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embarrass,polish, emotional, etticiency,curb ,await, donation ,dump,stuff ,historical The new system designed to [ ] harmful emissions排放物) from factories will be put into use soon
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explore ,transmit, resource, emerge,yield, pose, assume, confidence,inherit, comprehensive It is so difficult to [ ] the bottom of the ocean because some parts are very deep.
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explore ,transmit, resource, emerge,yield, pose, assume, confidence,inherit, comprehensive It was about 30 seconds before Alex [ ] from the water, we were quite scared
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explore ,transmit, resource, emerge,yield, pose, assume, confidence,inherit, comprehensive We often [ ] that when other people do the same things as we do, they do them,for the same reasons; but this assumption is not always reasonable
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