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【单选题】
按照《中国银监会办公厅关于规范同业代付业务管理的通知》规定,办理同业代付业务时,委托行与代付行均应采取有效措施加强贸易背景真实性的审核,其中_______________承担主要审查责任。___
A. 委托行
B. 代付行
C. 监管机构
D. 受托行
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【单选题】
按照《中国银监会办公厅关于规范同业代付业务管理的通知》规定,办理同业代付业务时,当代付行为境内外银行同业机构时,委托行应当将委托同业代付的款项直接确认为向客户提供的_______________。___
A. 贸易融资
B. 表外授信
C. 贷款承诺
D. 长期融资
【单选题】
按照《中国银监会办公厅关于规范同业代付业务管理的通知》规定,同业代付的委托行要真实委托代付行向借款人的交易对手代为支付款项,代付行应当将相应款项直接支付给符合合同约定用途的_______________账户。___
A. 委托人
B. 债务人
C. 借款人
D. 受益人
【单选题】
按照《中国银监会办公厅关于规范同业代付业务管理的通知》规定,同业代付业务中,代付行应对同业代付业务的合作银行采取_______________管理,将代付同业款项全额纳入对同业机构的统一授信管理。___
A. 统一
B. 集合制
C. 名单制
D. 授权制
【单选题】
国内某钢铁厂因生产需要向澳洲某铁矿厂购买了一批铁矿石,并约定以信用证支付,随后钢铁厂向甲银行境内分行申请开立了一张进口信用证。由于甲银行境内分行资金紧张,遂要求其澳洲分行代为付款给信用证受益人,并约定信用证到期时由甲银行境内分行向澳洲分行偿付相关款项。根据《中国银监会办公厅关于规范同业代付业务管理的通知》的规定,以下说法正确的是_________
A. 甲银行境内分行接受钢铁厂申请、融通资金并委托同业机构将款项支付给澳洲铁矿厂,是同业代付业务发起行,也称为“委托行”;
B. 甲银行境内分行因为不直接向澳洲铁矿厂付款,因此不承担客户的信用风险;
C. 甲银行澳洲分行作为“代付行”,应直接承担客户的信用风险;
D. 因为甲银行境内分行和澳洲分行同属一家金融机构,所以上述业务不属于同业代付业务。
【单选题】
按照《中国银监会关于进一步做好小微企业金融服务工作的指导意见》规定, 银行业金融机构小微企业贷款不良率高出全辖各项贷款不良率 个百分点以内的,该项指标不作为当年监管评级的扣分因素。___
A. 1
B. 2
C. 3
D. 5
【单选题】
按照《中国银监会关于进一步做好小微企业金融服务工作的指导意见》规定,获准发行此类专项金融债的银行业金融机构,该债项所对应的小微企业贷款在计算“______”时,可在分子项中予以扣除。___
A. 小型微型企业调整后存贷比
B. 小型微型企业存贷比
C. 存贷比
D. 调整后存贷比
【单选题】
按照《中国银监会关于进一步做好小微企业金融服务工作的指导意见》规定,各银行业金融机构必须在全年实现“两个不低于”目标、且当年全行______不低于上年水平的前提下,下一年度才能享受《关于支持商业银行进一步改进小企业金融服务的通知》(银监发〔2011〕59号)、《关于支持商业银行进一步改进小型微型企业金融服务的补充通知》(银监发〔2011〕94号)、《关于深化小微企业金融服务的意见》(银监发〔2011〕7号)等文件规定的优惠政策。___
A. 小微企业贷款覆盖率
B. 小微企业综合金融服务覆盖率
C. 小微企业成本收益率
D. 小微企业申贷获得率
【单选题】
根据《贷款通则》的规定,中期贷款,系指贷款期限在______的贷款。___
A. 2年以上(不含1年)5年以下(含5年)
B. 1年以上(不含1年)3年以下(含5年)
C. 1年以上(不含1年)5年以下(含5年)
D. 2年以上(不含1年)3年以下(含5年)
【单选题】
根据《贷款通则》的规定,票据贴现的贴现期限最长不得超过______个月,贴现期限为从贴现之日起到票据到期日止。___
A. 12
B. 6
C. 3
D. 9
【单选题】
根据《贷款通则》的规定,短期贷款展期期限累计不得超过______;中期贷款展期期限累计不得超过______;长期贷款展期期限累计不得超过______。国家另有规定者除外。___
A. 原贷款期限,原贷款期限的一半,3年
B. 原贷款期限的一半,原贷款期限的四分之一,3年
C. 原贷款期限,原贷款期限的一半, 5年
D. 原贷款期限,原贷款期限的四分之一,5年
【单选题】
根据《贷款通则》的规定,贷款人应当审议借款人的借款申请,并及时答复贷与不贷。短期贷款答复时间不得超过_____个月,中期贷款答复时间不得超过______个月,长期贷款答复时间不得超过_____个月;国家另有规定者除外。___
A. 1,6,6
B. 1,3,6
C. 3,6,12
D. 3,12,12
【单选题】
根据《贷款通则》的规定,有限责任公司和股份有限公司对外股本权益性投资累计额不得超过其净资产总额的______,国务院另有规定除外。___
A. 0.1
B. 0.3
C. 0.5
D. 0.7
【单选题】
根据《贷款通则》的规定,商业银行不得向关系人发放______、向关系人发放______的条件不得优于其他借款人同类贷款条件的规定。___
A. 担保贷款 抵押贷款
B. 保证贷款 质押贷款
C. 信用贷款 抵押贷款
D. 信用贷款 担保贷款
【单选题】
根据《贷款通则》的规定,贷款实行分级经营管理,______应当在授权范围内对贷款的发放和收回负全部责任。___
A. 各级行长
B. 各级副行长
C. 贷款管理部门负责人
D. 审贷委员会
【单选题】
王某向商业银行借款30万元,期限2年,年利率6.55%。依据《贷款通则》规定,下列 是正确的。___
A. 王某应当按照借款合同规定按时足额归还贷款本息
B. 该商业银行应当在贷款到期1个星期之前,向王某发送还本付息通知单
C. 贷款人对不能按借款合同约定期限归还的贷款,不能加罚利息
D. 借款人提前归还贷款,可以不与贷款人协商
【单选题】
甲公司向商业银行贷款500万元,由于经营不善,导致甲公司濒临倒闭,无法支付银行本息。依据《贷款通则》规定,下列 是正确的。___
A. 商业银行前台部门负责不良贷款的催收
B. 信贷部门负责对催收情况的检查
C. 该商业银行应当按照国家有关规定提取呆账准备金
D. 未经国务院批准,该商业银行可以豁免贷款
【单选题】
某商业银行未经中国人民银行批准,对自然人发放外币贷款并获得收益2000万元。依据《贷款通则》规定,下列 是正确的。___
A. 没收违法所得,并处以违法所得1倍以上3倍以下罚款
B. 处以五万元以上三十万元以下罚款
C. 处以十万元以上五十万元以下罚款
D. 处以三十万元以上一百万元以下罚款
【单选题】
按照《固定资产贷款管理暂行办法》规定,单笔金额超过项目总投资_______或超过_______万元人民币的贷款资金支付,应采用贷款人受托支付方式。___
A. 5%,C
B. 10%,C
C. 10%,500
D. 5%,500
【单选题】
按照《固定资产贷款管理暂行办法》规定,贷款人应对固定资产投资项目的_______以及借款人的整体现金流进行动态监测,对异常情况及时查明原因并采取相应措施。___
A. 工期进度
B. 支出现金流
C. 收入现金流
D. 资本金到位
【单选题】
某固定资产项目总投资800万元人民币,且风险可控。按照《固定资产贷款管理暂行办法》规定,正确的是_______
A. 若单笔支付金额小于80万元,才可采用借款人自主支付方式
B. 若单笔支付金额小于50万元,才可采用借款人自主支付方式
C. 若单笔支付金额小于40万元,才可采用借款人自主支付方式
D. 以上都不对
【单选题】
按照《项目融资业务指引》规定,贷款人从事项目融资业务,应当以_______分析为核心,重点从项目技术可行性、财务可行性和还款来源可靠性等方面评估项目风险,充分考虑政策变化、市场波动等不确定因素对项目的影响,审慎预测项目的未来收益和现金流。___
A. 融资能力
B. 管理层经营能力
C. 偿债能力
D. 开发、建设能力
【单选题】
按照《项目融资业务指引》规定,贷款人应当根据项目预测现金流和投资回收期等因素,合理确定贷款期限和_______。___
A. 还款计划
B. 贷款金额
C. 贷款利率
D. 贷款方式
【单选题】
按照《项目融资业务指引》规定,贷款人可以根据项目融资在不同阶段的风险特征和水平,采用不同的_______。___
A. 还款计划
B. 贷款金额
C. 贷款利率
D. 贷款方式
【单选题】
按照《项目融资业务指引》规定,多家银行业金融机构参与同一项目融资的,原则上应当采用_______方式。___
A. 各自发放贷款
B. 银团贷款
C. 委托贷款
D. 搭桥贷款
【单选题】
按照《银团贷款业务指引》规定,_______作为行业自律组织,负责银团贷款市场秩序的自律工作,协调银团贷款与交易中发生的问题,收集和披露有关银团贷款信息,制订行业相关公约等。 ___
A. 银监会
B. 银行业协会
C. 人民银行
D. 证监会
【单选题】
按照《银团贷款业务指引》规定,单家银行担任牵头行时,其承贷份额原则上不少于银团融资总金额的_______;分销给其他银团贷款成员的份额原则上不低于_______。___
A. 10% 40%
B. 20% 50%
C. 30% 60%
D. 40% 70%
【单选题】
按照《银团贷款业务指引》规定,银团贷款的日常管理工作主要由_______负责。___
A. 牵头行
B. 副牵头行
C. 代理行
D. 承贷份额最大的银行
【单选题】
按照《银团贷款业务指引》规定,办理银团贷款的借款人提前还款的,应至少在最近一个预定还款日的_______个营业日前通知代理行。___
A. 30
B. 60
C. 90
D. 120
【单选题】
按照《银团贷款业务指引》规定,银团贷款是指由两家或两家以上银行基于相同贷款条件,依据同一贷款协议,按约定时间和比例,通过_______向借款人提供的本外币贷款或授信业务。___
A. 牵头行
B. 副牵头行
C. 代理行
D. 承贷份额最大的银行
【单选题】
按照《银团贷款业务指引》规定,银团贷款期间,如发生企业并购、股权分红、对外投资、资产转让、债务重组等影响借款人还款能力的重大事项时,代理行应在获借款人通知之日起_______个营业日内按银团贷款协议约定以专项报告形式通知各银团贷款成员。___
A. 1
B. 3
C. 5
D. 10
【单选题】
按照《银团贷款业务指引》规定,_______负责银团贷款市场秩序的自律工作,协调银团贷款与交易中发生的问题,收集和披露有关银团贷款信息,制订行业相关公约等。___
A. 人民银行及其分支机构
B. 银监会及其分支机构
C. 工商联
D. 银行业协会
【单选题】
按照《银团贷款业务指引》规定,_______是指经借款人同意、发起组织银团、负责分销银团贷款份额的银行,是银团贷款的组织者和安排者。___
A. 银行业协会
B. 银团贷款牵头行
C. 银团贷款参加行
D. 银团贷款代理行
【单选题】
按照《银团贷款业务指引》规定,银团参加行在贷款续存期间应了解掌握借款人的日常经营与信用状况的变化情况,对发现的异常情况应及时通报_______。___
A. 银行业协会
B. 牵头行
C. 其他参加行
D. 代理行
【单选题】
按照《银团贷款业务指引》规定,_______应按照《商业银行授信工作尽职指引》的要求,对借款人或贷款项目进行贷前尽职调查,并在此基础上与借款人进行前期谈判,商谈贷款的用途、额度、利率、期限、担保形式、提款条件、还款方式和相关费用等,并据此编制银团贷款信息备忘录。___
A. 银行业协会
B. 牵头行
C. 参加行
D. 代理行
【单选题】
按照《银团贷款业务指引》规定,银团贷款的日常管理工作主要由_______负责。___
A. 银行业协会
B. 牵头行
C. 参加行
D. 代理行
【单选题】
按照《银团贷款业务指引》规定,银团贷款存续期间,通常由牵头行或代理行负责定期召开银团会议,也可由_______的银团贷款成员共同提议召开。银团会议的主要职能是讨论、协商银团贷款管理中的重大问题。___
A. 三分之一以上
B. 二分之一以上
C. 三分之二以上
D. 全体
【单选题】
按照《银团贷款业务指引》规定,银团贷款出现风险时,_______应负责及时召开银团会议,成立银行债权委员会,对贷款进行清收、保全、重组和处置。必要时可以申请仲裁或向人民法院提起诉讼。___
A. 银行业协会
B. 牵头行
C. 参加行
D. 代理行
【单选题】
按照《银团贷款业务指引》规定,银团贷款成员应定期向当地_______报送银团贷款有关信息。___
A. 人民银行分支机构
B. 银行业协会
C. 银监会分支机构
D. 金融办
【单选题】
按照《商业银行房地产贷款风险管理指引》规定,商业银行对_____没有到位或资本金严重不足、经营管理不规范的借款人不得发放土地储备贷款。___
A. 资本金
B. 注册资金
C. 保证金
D. 自有资金
【单选题】
按照《商业银行房地产贷款风险管理指引》规定,商业银行在办理房地产开发贷款时,应建立严格的贷款项目审批机制,对该贷款项目进行尽职调查,确认该项目的 。___
A. 合法性、合规性、经济性
B. 合法性、合规性、可行性
C. 合法性、合规性、合理性
D. 合规性、合理性、可行性
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prepare for , be bound to , stand up for , in favor of ,speculate about , in the company of, in the form of , be liable to , invest..with , in succession 6 During the weeks of discussion,delegations from groups who are interested in the Resolution may call on representatives to ( ) their point of view.
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prepare for , be bound to , stand up for , in favor of ,speculate about , in the company of, in the form of , be liable to , invest..with , in succession 7 Plato was a superb writer,and his works are Part of the world’s great literature.Most of His existing work is ( )Dialogs and letters.
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prepare for , be bound to , stand up for , in favor of ,speculate about , in the company of, in the form of , be liable to , invest..with , in succession 8 Young people should enter into a broad Flexible training program,through which They can learn a lot and be ( ) their future careers.
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prepare for , be bound to , stand up for , in favor of ,speculate about , in the company of, in the form of , be liable to , invest..with , in succession 9 The young man is very happy and proud to be ( ) the old professor because he always feeIs great when talking With him.
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prepare for , be bound to , stand up for , in favor of ,speculate about , in the company of, in the form of , be liable to , invest..with , in succession 10 One day they passed more than 20 villages ( ),and some of these are Said to have stretched for six miles or more.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 7 Being asingle parent,there is no way for her to ( ) the time and energy she has devoted to her children for the past 10 years.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 8 It is essential that you start by listening because one of the main ( ) teenagers and their parents face in forming positive relationships is that neither listens to the other.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 9 We all know the dangers of an earthquake: the ( ) to buildings,the troubles can be caused by falling trees,and the terror occurs when the earth actually opens uip.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 10 Not until recently have we realized that the increasing world population may lead to a potential gloomy ( ) for humanity starvation.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 2 It is the development strategy/of the company to ( ) its overseas expansion in order to take a slice of the world market
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 3 Nearly six million people go to see the Mona Lisa every year,attracted by the ( )of her smile.When you're not lodking at her, she seems to be smiling;when you look at her,she stops.
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Boost prospect calculate accelerate promote mystery destruction analysis insight barrier 4 To live with a family whose native language is English is the ideal way to further improve one's English and to gain ( )into its culture.
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Boost prospect calculate accelerate promote mystery destruction analysis insight barrier 5 There is a real need to ( ) academic achievement in schools and help with the development of a student's overall character.
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boost prospect calculate accelerate promote mystery destruction analysis insight barrier 6 Einstein said his scientific discoveries grew from his imagination rather than from( ), reason and language.
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commence,deserve,tempting, coordinate, lodge,confess, grant, proceed ,display, consequently 1 When the police caught up with him, Mr.Foster had to [ ] that he'd broken the speed limit.
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commence,deserve,tempting, coordinate, lodge,confess, grant, proceed ,display, consequently 2 Whenever my boss makes a decision that I don't agree with, I tell him what I really think, though it's [ ] to make him happy by telling him his ideas are always right
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commence,deserve,tempting, coordinate, lodge,confess, grant, proceed ,display, consequently 3 As can be probably perceived, a manned tip to Mars may soon[ ] since scientists have achieved the manned moon mlssion
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commence,deserve,tempting, coordinate, lodge,confess, grant, proceed ,display, consequently 4 A number of countries are [ ]their efforts to send out food to the area worst affected by the flood.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about She authorizcd her partner to carry out daily responsibllitles [ ]when she was on her business trip
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about On hering the latest news about your mother's ill health, I [ ]canceling your reservation at the Sheraton.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about There was an obvious indication that the police who have to enforce the new law were not[ ] the general discontent.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about When she heard of her failure in the experiment, her eyes[ ]tears; whether it was of shame, frustration, orgrief was difficult to tell.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about Rose knows that continuous letters fromJohn, together with countless roses are aimedat making her[ ]him.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about [ ]public school for drinking and smoking and then failing inshow business as a singer, she joined her father's business 10 years ago.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about Since the great scandals in banking,many people in the Country have[ ]the prospects of economic recovery within a few years.
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immune to , fall in love with , go along with, on one's behalf, be filled with , take the liberty of , expel from , be pessimistic about The parents were quite happy to[ ]our suggestion because had taked their most important concernsinto consideration.
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 1When employees participated in the problem-solving process, they were muchvmore willing to [ ] solutions to the problems.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 2 A strong police force has been placed between the two [ ]group in the village to prevent fighting and killing.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 3 Although personally we believe this to be of only secondary importance, its potential role in [ ] innovative acts cannotbe.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 4Though many things have been changed culturally, there is a commitment and sense of responsibility that have not yet been [ ] in today's society___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 5 Western nations have older and shrinking populations since they entered the 21stcentury and their [ ] birth rates have also posed problems___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 6 She didn't want to marry him and was [ ] against him because he had only a bachelor's degree and didn't meet her expectations for marriage.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 7 The president is in trouble and will have to work hard to [ ] his credibility after people discovered that he was not telling the truth.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 8 To study a number of subjects in the humanities has been both enjoyable and [ ]providing me with a new and different perpective on the world in which we live.___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 9 People are concerned about the environment issue because air and water pollution notonly affects everyone's health but also makesit difficult for businesses to [ ].___
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enlighten, discard, restore, fluctuate,prejudice , profit , rival, motivate,implement, investigate 10 Instead of ignoring or envying successful students, I made it my mission to [ ]the mysterious causes of their success and greatness.___
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