【多选题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，个人客户信用等级评定的操作流程为：___
A. 客户经理根据调查了解的情况，将相关信息录入信贷管理系统，由系统自动计算客户评级分值和初评结果；
B. 客户经理对初评结果确认后，在系统中提交信贷管理部门审查；
C. 信贷管理部门审查人员通过系统对客户资料信息进行审查。审查通过后，在系统中提交有权审批人或独立审批人审批；
D. 有权审批人或独立审批人通过系统进行审批，确定客户最终评级结果。
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相关试题
【多选题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，非现场检查的途径主要包括___
A. 账户分析
B. 电话回访
C. 征信查询
D. 网络信息
【多选题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，现场检查的主要内容包括___
A. 客户是否按照合同约定用途使用信贷资金
B. 客户的资产、职业、收入、家庭、健康状况等是否有较大变化
C. 客户是否有违法行为，是否卷入经济纠纷
D. 担保人保证能力、抵质押物的完整性和安全性是否发生变化，抵质押物的价值是否减少，抵质押权是否受到侵害，抵质押物的保管是否符合规定。
【多选题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，对于抵质押类信贷业务，客户还清全部信用后，市县行社应将抵质押的权利凭证交还___。抵押人、出质人并作签收登记，设定抵质押登记的要及时与抵押人、出质人共同向登记部门办理登记注销手续。
A. 抵押人
B. 借款人
C. 债务人
D. 出质人
【多选题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，对于无法取得催收回执的，应当视情况采取以下___方式确保诉讼时效
A. 上门催收
B. 公证送达
C. 申请支付令
D. 诉讼
【多选题】
《关于进一步深化整治银行业市场乱象的通知》（银监发〔2018〕4 号）明确了 2018 年整治银行业市场乱象以下几个方面的工作要点。___
A. 重点整治公司治理不健全；重点整治违反宏观调控政策
B. 重点整治影子银行和交叉金融产品风险；重点整治侵害金融消费者权益
C. 重点整治利益输送；重点整治违法违规展业
D. 重点整治案件与操作风险；重点整治行业廉洁风险
【多选题】
根据《关于进一步深化整治银行业市场乱象的通知》（银监发〔2018〕4 号）的规定，下列选项中属于违反房地产行业政策的是___。（ABCD）
A. 向“四证”不全、资本金未足额到位的商业性房地产开发项目提供融资
B. 发放首付不合规的个人住房贷款
C. 以充当筹资渠道或放款通道等方式，直接或间接为各类机构发放首付贷等行为提供便利
D. 综合消费贷款、个人经营性贷款、信用卡透支等资金用于购房等
【多选题】
根据《关于进一步深化整治银行业市场乱象的通知》（银监发〔2018〕4 号）的规定，下列选项中属于向关系人员输送利益的是___
A. 直接或变相向关系人发放信用贷款，或员工以优于其他同类客户条件获取本行贷款
B. 以低于同等条件，招收或调入客户的亲属或子女
C. 公款存放主体相关负责人员的配偶、子女及其配偶和其他直接利益相关人员为银行业金融机构员工的，未按规定实行回避
D. 对大客户、大企业、大机构相关负责人进行变相商业贿赂等。
【多选题】
为加强对普惠金融重点领域的支持，根据《关于 2018 年推动银行业小微企业金融服务高质量发展的通知》（银监办发〔2018〕29 号）的规定，对单户授信总额 1000 万元以下（含）的小微企业贷款考核努力实现“两增两控”目标，“两增两控”具体是指：___
A. 小微企业贷款同比增速不低于各项贷款同比增速
B. 小微企业有贷款余额的户数不低于上年同期水平
C. 合理控制小微企业贷款资产质量水平
D. 合理控制小微企业贷款综合成本水平
E. 合理控制小微企业贷款综合管理水平
【多选题】
流动性风险管理体系应当包括以下基本要素（）。___
A. 有效的流动性风险管理治理结构
B. 完善的流动性风险管理策略、政策和程序
C. 有效的流动性风险识别、计量、监测和控制
D. 完备的管理信息系统
【多选题】
《关于完善商业银行存款偏离度管理有关事项的通知》银保监办发〔2018〕48 号规定，商业银行应进一步规范吸收存款行为，不得采取以下手段违规吸收和虚假增加存款（）。___
A. 违规通过返还现金或有价证券、赠送实物等不正当手段吸收存款。
B. 通过个人或机构等第三方资金中介吸收存款。
C. 通过设定不合理的取款用款限制、关闭网上银行、压票退票等方式拖延、拒绝支付存款本金和利息。
D. 严禁以强制设定条款或协商约定将贷款资金转为存款；以存款作为审批和发放贷款的前提条件；向“空户”虚假放贷、虚假增存。
E. 严禁将贷款资金作为保证金循环开立银行承兑汇票并贴现，虚增存贷款。
【多选题】
征信监管系统的用户可以分为哪几类（）。___
A. 系统管理用户
B. 业务管理用户
C. 信息管理用户
D. 数据管理用户
E. 申请用户
F. 查询用户
【多选题】
以下关于征信监管系统申请用户说法正确的有（）。___
A. 申请用户负责系统参数配置、升级维护、批处理操作、网络安全、应急恢复及软硬件技术支持等
B. 申请用户负责收集、查验并上传客户证件信息
C. 申请用户负责审核查询用户提交的资料信息
D. 申请用户负责查询授权书、查看及打印信用报告
E. 申请用户、查询用户均由县级管理员设立
【多选题】
下面关于征信监管系统说法正确的有（）。___
A. 系统管理用户及业务管理用户可随时增加或删除用户权限
B. 征信监管系统用户均不能删除，只能对用户进行停用或启用的操作
C. 系统管理用户设在省联社信息科技部，业务管理用户设在征信监管系统业务管理部门，申请用户及查询用户由县级管理员设立
D. 业务管理用户按省、市、县三级设置，并确保与中国人民银行个人和企业征信系统用户管理员保持一致
E. 查询用户应与中国人民银行个人和企业征信系统普通用户保持一致
【多选题】
根据《河南省农村信用社联合社关于进一步严管理贷款的意见》要求，有下列___情形之一的，对直接责任人一律开除，涉嫌犯罪的，移交司法机关处理。
A. 与客户串通，使用虚假资料骗取贷款的
B. 发放假冒名贷款的
C. 以贷谋私，索取、收受客户财物的
D. 侵占、截留、挪用客户信贷资金的
E. 在贷款调查、审查、审批等操作环节中未严格履职，存在明显漏洞和严重问题，导致贷款发放扣形成损失的
F. 返反有关管理规定，逆程序、超权限发放贷款的
【多选题】
《河南省农村信用社员工违规行为处理办法》中对违规人员的处理种类有。___
A. 经济处罚
B. 纪律处分
C. 批评教育
D. 组织处理
E. 辞退
【多选题】
根据《河南省农村信用社员工违规行为处理办法》规定，办理贷款业务中，有下列___行为之一的，给予有关责任人员记过至撤职处分；后果或情节严重的，给予开除处分。
A. 未经审批擅自降低利率以及采用其他正当手段发贷款的
B. 操纵、篡改评审结果或与客户串通，导致存在重大问题的项目得以审批通过的
C. 授意、指使、强令信贷人员违规发放贷款的
D. 未回避关系人贷款审批流程的
E. 向关系人发放信用贷款的
【判断题】
全省农信社信贷业务管理必须坚持安全性、流动性和效益性相统一的原则
【判断题】
《河南省农村信用社信贷业务管理基本制度》中所称有权审批人是指市县行社行长（主任）或经董（理）事会授权的其他人员
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，信贷管理部负责对公信贷业务风险监测、风险分类认定等工作
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，资产保全部门负责对公不良信贷资产接收和管理，化解对公不良信贷资产风险等工作
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对公客户部门最少委派1名客户经理进行现场调查
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对公客户信用等级分为AA、A、B、C四个等级
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对于信用等级为A的客户办理信贷业时，可以在利率和费率方面给予一定优惠待遇
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，客户授信额度审批通过后，在有效期内不得核增
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，客户经理撰写调查报告应如实反映客户真实经营情况，不必注明是否同意办理此项信贷业务
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对评审会通过或复议的信贷业务，有权审批人可行使一票否决权
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对评审会否决的信贷业务，有权审批人可以审批同意
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对审批结果为复议的信贷业务申报部门补充完善后，由评审会办公室提请再次开会审议，复议只限一次
【判断题】
贷后管理是指从贷款发放或其他信贷业务发生后直到本息收回的全过程管理，主要包括贷后检查、风险预警、风险分类、信用收回等内容
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对公信贷业务贷后检查以实地检查为主，包括首次检查和定期检查
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，对公客户贷款到期后需要展期的，原贷款的保证人、抵押人、出质人不用在申请书上签章
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，展期贷款的风险分类最高分为正常类
【判断题】
根据《河南省农村信用社对公信贷业务操作规程》规定，信贷业务到期未收回应进行逾期催收管理，逾期利息从到期日起计
【判断题】
县级行社原则上不得向分支机构授予个人信贷业务管理权
【判断题】
个人客户可以以口头形式向市县行社提出信贷业务申请
【判断题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，个人客户信用等级分为AAA、AA、A、B四个等级类别
【判断题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，对信用等级为A级（含）以上的客户，在利率和费率方面应给予一定的优惠待遇
【判断题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，对信用等级为B级的存量客户，应逐步压缩存量用信余额，直至退出
【判断题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，对信用等级为C级的存量客户，要制定风险处置方案，最大限度保全债权，降低损失
【判断题】
根据《河南省农村信用社个人信贷业务操作规程》的规定，在贷后管理中发现客户存在明显风险信号，可及时下调客户信用等级
推荐试题
【单选题】
What is a benefit of using VMware Data Protection ?___
A. Provides support for guest-level backups and restores of Microsoft SQL Servers, Exchange Servers, and Share Point Servers.
B. Provides support for advanced storage services including replication, encryption, deduplication, and compression.
C. Provides direct access to VDP configuration integrated into the vSphere Client.
D. Reduces disk space consumed by virtual machine data using deduplication.
【单选题】
An administrator enables vSphere High Availability (HA) on an existing cluster with a large number of hosts and virtual machines. The administrator notices that the setup of vSphere HA on some of the hosts is failing. What step, if taken, might resolve this issue?___
A. Increase the value of the config.vpxd.das.electionWaitTimeSec setting.
B. Set the value of vpxd.das.aamMemoryLimit to 256.
C. Set the value of the das.useDefaultIsolationAddress setting to False.
D. Increase the value of the das.iostatsinterval setting.
【单选题】
An ESXi 6.x host consists of 24 logical cores. Hyperthreading is enabled on the host. What is the maximum number of vCPUs that can be assigned to a virtual machine on this host?___
【单选题】
By default, each ESXi 6.x host is provisioned with a certificate from which root certificate authority?___
A. RedHat Certificate Authority
B. VMware Certificate Authority
C. DigiCert Certificate Authority
D. Verisign Certificate Authority
【单选题】
An administrator is adding an NFS datastore as shown in the Exhibit. What is the purpose of the Servers to be added list?___
A. It contains the IP addresses of the NFS Storage Server to provide multipathing capability.
B. It contains the IP addresses of the ESXi hosts that mount the datastore.
C. It contains the IP addresses used for
D. ynamic Discovery of targets.
【单选题】
An administrator reports that the System Event log data is only available for 24 hours when reviewing the Hardware Status tab. Which condition could be responsible for the loss of data?___
A. A Reset event log was executed.
B. The statistical collection level was set to a value of 1.
C. The boot disk of the host is corrupt.
D. Syslog has been configured at the vCenter Server level.
【单选题】
During an upgrade, the ESXi 6.x installer finds an existing version of ESXi and a VMFS3 volume. No virtual machines exist on the host or VMFS3 volume. The requirement is to upgrade to VMFS5. Which option should be chosen to meet this requirement?___
A. Upgrade ESXi and preserve the VMFS datastore
B. Install ESXi and preserve the VMFS datastore
C. Install ESXi and overwrite the VMFS datastore
D. Upgrade
E. SXi and overwrite the VMFS datastore
【单选题】
A vSphere 6.x Standard Switch is configured with 4 virtual machine portgroups, as shown in the exhibit. Which portgroup would be utilized by default when creating a new virtual machine?___
A. Access Network
B. DMZ Network
C. VM Network
D. Virtual Machine Network
【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.
