【单选题】
关于对借款人的贷后财务监控，下列说法对的是（）。___
A. 企业提供的财务报表如为复印件，需要公司盖章
B. 企业提供的财务报表如经会计师事务所审计，需要完整的审计报告(不包括附注)
C. 财务报表应含有资金运用表
D. 对于关键数据，主要进行纵向比较
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相关试题
【单选题】
下列做法中，不符合信贷档案管理原则和要求的是（）。___
A. 将一个信贷项目形成的文件资料划分为信贷文件和信贷档案，分别管理
B. 任命直接经办贷款的信贷人员担任信贷档案员
C. 业务人员将信贷执行过程续生的文件随时移交信贷档案员
D. 将信贷档案的检查列入年度绩效考核中
【单选题】
对于逾期贷款，银行应及时发送（）。___
A. 逾期还本付息通知单
B. 催收通知单
C. 宽限通知单
D. 违约起诉书
【单选题】
催收包括逾期催收和（）。___
A. 上门催收
B. 电话催收
C. 人员催收
D. 到期催收
【单选题】
“借款人未按约定用途使用贷款”是（）贷款的特征之一。___
【单选题】
贷款风险分类最核心的内容是（ ）。___
A. 基本信贷分析
B. 还款能力分析
C. 还款可能性分析
D. 确定分类结果
【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、权证等价值变动较大的质物。___
A. 价值高
B. 价值低
C. 价格高
D. 价值稳定
【单选题】
行使抵押权或质押权，追索保证人，属于（ ）。___
A. 信用风险的事前管理
B. 操作风险的流程管理
C. 信用风险的事中管理
D. 操作风险的制度管理
【单选题】
依法应办理抵押登记的，抵押权的生效时间为（）。___
A. 抵押交付之日
B. 登记之日
C. 签订之日
D. 当事人协商之日
【单选题】
目前我国政府规定的居住用地的土地使用权出让年限为（ ）年。___
【单选题】
（ ）是指借款人无法足额偿还贷款本息，即使执行担保，也肯定要造成较大损失的。___
A. 正常贷款
B. 关注贷款
C. 可疑贷款
D. 损失贷款
【单选题】
以下各项中，不属于认为贷款或信用卡的逾期记录与实际不符的异议类型的是（ ）。___
A. 他人冒用或盗用个人身份获取信贷或信用卡
B. 贷款按约定由单位或担保公司或其他机构代偿．但它们没有及时到银行还款造成逾期
C. 个人办理的信用卡从来没有使用过因欠年费而造成逾期
D. 个人不清楚银行确认逾期的规则
【单选题】
关于个人信用报告的档案管理，下列说法错误的是（ ）。___
A. 查询机构要对所有查询相关的纸质和电子档案资料整理归档
B. 信用报告查询相关档案资料保管期限为二年，到期可对档案资料进行销毁
C. 档案资料按照一事一档、编号管理的原则进行
D. 档案资料的借阅应当严格限定范围，无查询机构主管的审批，任何人不得擅自查询、借阅和复制档案资料
【单选题】
个人征信查询系统中，（ ）涵盖了信用卡与贷款的明细等情况。___
A. 个人身份信息
B. 居住信息
C. 信贷信息
D. 个人质押信息
【单选题】
农村信用社贷款利率浮动幅度的具体实施细则，由（）制定。___
A. 县级联社
B. 县级人民银行
C. 地市级中心支行
D. 省农信联社
【单选题】
农户消费贷款要求至贷款到期日借款人的年龄一般不超过（）周岁。___
【单选题】
日常对借款人实行检查，自然人贷款（）不少于一次，其他贷款每季度不少于一次，额度较大的贷款必须在贷后（）内作跟踪检查。___
A. 每年，30 天
B. 每年，20 日
C. 每半年，10 天
D. 每月，10 天
【单选题】
商业银行应确定一个管理部门或委员会统一审核批准对客户的授信，不能由不同部门分别对同一或不同客户进行授信，这是指授信要做到（）。___
A. 授信主体的统一
B. 授信形式的统一
C. 授信对象的统一
D. 不同币种授信的统一
【单选题】
审议、审批原则上不得超过（）个工作日。___
【单选题】
同时满足四项条件（①借款人生产经营活动正常，能按时支付利息。②重新办理了贷款手续。③贷款担保有效。④属于周转性贷款的“借新还旧”贷款原则上要划为（）。___
A. 正常贷款
B. 关注贷款
C. 次级贷款
D. 可疑贷款
【单选题】
下列做法中，符合银行贷款发放的计划、比例放贷原则的是（）。___
A. 按照项目完成工程量的多少付款
B. 借款人擅自改变前期贷款款项的用途，银行拒绝支付后期贷款款项
C. 按照已批准的贷款项目年度投资计划中规定的建设内容、费用，准确、及时地提供相应贷款
D. 拒绝企业将银行贷款用于股本金的融资。
【单选题】
信贷档案不齐全，重要法律性文件遗失，并且对还款构成实质性影响，此类贷款至少应划为（）。___
A. 正常贷款
B. 关注贷款
C. 次级贷款
D. 可疑贷款
【单选题】
信贷授权授权书的有效期限一般为（）。___
A. 半年
B. 1 年
C. 2 年
D. 3 年
【单选题】
银行业务人员在贷款发放之前不进行面签或真实性调查属于（）。___
A. 借款人风险
B. 银行内部操作风险
C. 抵押物风险
D. 合作机构风险
【单选题】
在保证期间，债权人与债务人协议变更主合同的（）。___
A. 应取得保证人书面同意
B. 取得保证人口头同意即可
C. 无须取得保证人同意
D. 通知保证人即可
【单选题】
在贷后管理的过程中，银行需根据借款人及其配偶更新的征信状况以及实际了解到的客户状况，定期或不定期地对客户家庭还款能力和无抵押授信限额及其使用情况进行复核，这反映的是个人客户统一授信管理应遵循的（）。___
A. 分类控制原则
B. 全面测算原则
C. 动态管理原则
D. 统一管理原则
【单选题】
流动资金贷款的需求量应基于（）来确定。___
A. 借款人日常生产经营所需营运资金与现有营运资金的差额（即流动资金缺口）
B. 借款人日常经营所需的营运资金
C. 借款人提出的请求
D. 既往银行信贷记录
【单选题】
《个人贷款管理暂行办法》规定，贷款调查应以（）原则，采取现场核实、电话查问以及信息咨询等途径和方法。___
A. 间接调查为主、实地调查为辅
B. 尽职调查为主、实地调查为辅
C. 实地调查为主、间接调查为辅
D. 实地调查为主、口头调查为辅
【单选题】
采用贷款人受托支付的，贷款人应在（）审核借款人相关交易资料是否符合合同约定条件。___
A. 贷款资金发放前
B. 贷款资金发放时
C. 贷款资金发放后
D. 支付给借款人交易对手的同时
【单选题】
银团贷款的支付管理与控制由（）银行负责。___
A. 代理行
B. 牵头行
C. 参加行
D. 管理行
【单选题】
借款人贷款资金用于（）且金额不超过（），经过贷款人同意可以采取借款人自主支付。___
A. 个人消费，50 万
B. 生产经营，50 万
C. 个人消费，100 万
D. 生产经营，100 万
【单选题】
贷款人应合理测算借款人（）需求，审慎确定借款人的流动资金授信总额及具体贷款的额度。___
A. 营运资金
B. 投资资金
C. 项目开发资金
D. 储备资金
【单选题】
客户经理应采取（）的形式履行尽职调查，形成书面报告，并对其内容的真实性完整性和有效性负责。___
A. 现场与非现场相结合
B. 现场调查
C. 非现场调查
D. 现场或非现场调查
【单选题】
发放支付审核部门(岗)应以贷款批复文件和（）为依据对借款人提款条件进行审核。___
A. 报批文件
B. 提交金额
C. 已签借据
D. 已签合同
【单选题】
受托支付是指农信社根据借款人提款申请和支付委托，将贷款资金通过借款人账户支付给符合合同约定用途的借款人（）。___
A. 交易对象
B. 使用对象
C. 委托对象
D. 销售对象
【单选题】
固定资产贷款审查的重点包括：基本要素审查，主体资格审查，（）审查。___
A. 信用状况
B. 风险程度
C. 经营能力
D. 信贷政策
【单选题】
《银团贷款业务指引》规定，在银团贷款中，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。___
【单选题】
公司信贷是商业银行主要的盈利来源，下列关于贷款利润、贷款价格与贷款需求三者的关系说法正确的是（）。___
A. 贷款价格高，单笔利润高，贷款需求增加
B. 贷款价格低，单笔利润低，贷款需求增加
C. 贷款价格高，单笔利润低，贷款需求减少
D. 贷款价格高，单笔利润低，贷款需求增加
【单选题】
公司信贷银行营销组织设立的原则不包括（）。___
A. 因事设职与因人设职相结合
B. 权责对等
C. 各负其责
D. 命令统一
【单选题】
关于成长阶段企业信贷风险分析不正确的是（）。___
A. 有能力偿还资本贷款和固定资产贷款
B. 销售增长和产品开发有可能导致偿付风险
C. 必须进行细致的信贷分析
D. 成长阶段的企业代表中等程度的风险
【单选题】
关于流动性的说法，不正确的是（）。___
A. 流动比率、存量存贷比率、增量存贷比率是衡量目标区域流动性的指标
B. 过高的流动性可能意味着资金利用效率不足，信贷经营处于低效率中
C. 流动性过高或过低都可能意味着区域风险的下降
D. 过低的流动性意味着资金周转不畅或出现信贷资金固化
推荐试题
【单选题】
An administrator is attempting to power on a virtual machine with 32GB of memory. The operation fails with the following error: <Could not power on VM: No space left on device> <Checking the space on the virtual machine's datastore, there is 30GB free.> Which action would allow the VM to power on?___
A. Set a 2GB memory reservation on the VM.
B. Mount the virtual disk from the affected VM on to another virtual machine and free up space from within the OS.
C. Enable vSphere HD admission control on the cluster in which the VM resides.
D. Set a 2GB memory limit on the VM.
【单选题】
An administrator attempts to manually reclaim space on thin-provisioned VMFS6 volumes but finds that no additional space is being recovered. Which could be causing this?___
A. vSphere 6.5 does not support manual UNMAP.
B. The manual UNMAP operation has been moved to the vSphere web client.
C. The VASA version is use is incompatible.
D. UNMAP is automated for VMFS6.
【单选题】
An administrator has upgraded to vSphere 6.5 and also wants to use Kerberos authentication for NFS. Which can be done to the existing NFSv3 volumes to enable this feature?___
A. Perform a storage rescan on VMFS volumes.
B. Unmount the NFSv3 datastore, and then mount as NFSv4.1 datastore.
C. Nothing. All NFSv3 mounted datastores are upgraded automatically during vSphere upgrades.
D. Perform a scan of new storage devices.
【单选题】
An administrator wants to restore the vCenter Server Appliance 6.5 from backup. Where can this be accomplished?___
A. from the ESXi Host Client
B. from the VMware vSphere Appliance Management Interface
C. from within the VMware vSphere Web Client
D. from the vCenter Server Appliance Installer
【单选题】
The administrator wants to power on VM-K2, which has a 2GHz CPU reservation. VM-M1, VM-M2, and VM-K1 are all powered on. VM-K2 is not powered on. The exhibit shows the parent and child resource reservations. If Resource Pool RP-KID is configured with an expandable reservation, which statement is true?___
A. VM-K2 will be unable to power on because there are insufficient resources.
B. VM-K2 will be able to power on since resource pool RP-KID has 2GHz available.
C. VM-K2 will be unable to power on because only 2GHz are reserved for RP-KID.
D. VM-K2 will receive resource priority and will be able to power on this scenario.
【单选题】
Which is the block size on the VMFS6 datastore?___
A. All small and large file blocks are 8MB.
B. All small and large file blocks are 1MB.
C. Small file blocks are 512KB. large file blocks are 64MB.
D. Small file blocks are 1MB, large file blocks are 512MB.
【单选题】
When installing vCenter Converter Standalone, why must an administrator perform a client-server installation instead of a local installation?___
A. to manage conversion tasks remotely
B. to convert virtual machines as well as physical machines
C. to allow installation of the Converter agent on remote source machines
D. to hot clone physical or virtual machines
【单选题】
Which is required by vCenter Converter Standalone to convert a physical Red Hat Enterprise Linux 7 machine to a virtual machine?___
A. The Linux machine must be powered off.
B. The Linux machine must have the SSH daemon started.
C. The Linux machine must use a static IP address.
D. The Linux machine must have a fully-qualified domain name.
【单选题】
An administrator is troubleshooting network communications between a vCenter Server and an ESXi 6.5 host. Which log shows the related events between these components?___
A. /var/log/fdm.log
B. /var/log/vpxa.log
C. /var/log/hostd.log
D. /var/log/auth.log
【单选题】
An administrator has recently upgraded from vSphere 6.0 to 6.5, and can no longer see the software iSCSI named vmhba33. Which could be the reason for this?___
A. The upgrade has changed the vmhba name.
B. vSphere 6.5 automates iSCSI configurations.
C. vSphere 6.5 no longer supports software iSCSI.
D. The upgrade has deleted the vmhba.
【单选题】
An administrator is trying to vMotion a VM from his datacenter to a recovery site. Which is the maximum allowed RTT (Round-Trip Time) latency between source and destination host?___
A. 100 milliseconds
B. 150 milliseconds
C. 15 milliseconds
D. 10 milliseconds
【单选题】
Which is required for configuring iSCSI Software Adapter network port binding?___
A. VMkernel of the iSCSI traffic must be load balanced using Route based on IP Hash algorithm.
B. VMkernel of the iSCSI traffic must be load balanced using Route based on Source Virtual Port ID algorithm.
C. VMkernel of the iSCSI traffic must be load balanced using Route based on Source MAC Hash algorithm.
D. VMkernel of the iSCSI traffic must be bound to only one active network adapter.
【单选题】
In vSphere Data Protection 6.1, which is the function of a Backup Verification job?___
A. None. Backup Verification job is not a feature of vSphere Data Protection
B. It is a manual task -Power it on -Verify the guest OS -Check started applications
C. It is an automatic process -Restore a virtual machine -Power it on -Verify that the guest OS is booted by communicating with the Backup Verification agent
D. It is an automatic process -Restore a virtual machine -Power it on -Verify that the guest OC is booted by detecting the VMware ToolsTM "heartbeats"
【单选题】
An administrator has enabled vSphere Distributed Switch Health Check. The hosts connected to that Distributed Switch all display an alert:< vSphere Distributed Switch MTU supported status > .The administrator has all of the VMkernel ports MTU sizes set to 1600. Which action will remedy this problem?___
A. Configure the Distributed Switch to MTU 9100.
B. Disconnect and reconnect the physical network cable.
C. Configure the physical switch to MTU 1600.
D. Disable the Distributed Switch MTU.
【单选题】
Which Host Profile Subprofile configuration is used to configure firewall settings for ESXi hosts?___
A. Advanced Configuration Settings
B. General System Settings
C. Security
D. Networking
【单选题】
Where would a vSphere administrator find general vCenter Server logs on a vCenter Server Appliance?___
A. /var/log/vmware/vpxd/
B. /var/log/messages
C. /etc/vmware-vpx/
D. /var/log/vmware/vsan-health/
【单选题】
An administrator wishes to enable network port mirroring based on source port. Which feature should be enabled?___
A. vSphere standard switch port
B. ERSPAN
C. NSX Virtual Wire
D. VLAN
【单选题】
Which CLI command shows the physical uplink status for a vmnic?___
A. esxcli network ip connection list
B. esxcli network ip neighbor list
C. esxcli network nic get
D. esxcli network nic list
【单选题】
Which is the maximum number of block devices (LUNs) that are supported by ESXi hosts that are running version 6.5?___
A. 1024
B. 512
C. 2048
D. 256
【单选题】
When performing a vCenter Server 5.5 for Windows with Microsoft SQL Server Express database migration to vCenter Server Appliance 6.5, which will be the target database?___
A. Microsoft SQL Server Express 2012R2
B. Microsoft SQL Server Standard 2012R2
C. PostgreSQL
D. Oracle DB 11g
【单选题】
An administrator has multiple vCenter Server 6.5 systems but cannot enable Storage I/O Control (SIOC) on a datastore shared by ESXi hosts managed by the vCenter Server systems. Which action should the administrator take to resolve the issue?___
A. Unmount the datastore and then enable SIOC on the vCenter Server system.
B. Configure the datastore to be managed by a single vCenter Server system.
C. Configure Storage DRS and then enable SIOC on the vCenter Server system.
D. Enable Raw Device Mapping (RDM) on the
E. SXi hosts.
【单选题】
“OneAppServer” is a VM template stored in a content library named “LibraryOne”, but the vSphere administrator is not able to use this template for deployment. Why is the administrator unable to deploy OneAppServer?___
A. OneAppServer must be updated before it can be deployed.
B. LibraryOne is a subscribed library and OneAppServer is not downloaded yet.
C. LibraryOne is published and optimized for syncing over HTTP.
D. OneAppServer was imported from a local file on the system.
【单选题】
An administrator sets the Failover Capacity for both CPU and Memory at 25%. Based on the Exhibit below, how much of the cluster’s total CPU resources are still available to power on additional virtual machines?___
A. 45%
B. 25%
C. 70%
D. 60%
【单选题】
Which statement applies to the vSphere Replication appliance?___
A. Only one vSphere Replication appliance can be deployed per vCenter Server instance.
B. VMware Tools in the vSphere Replication appliance can be upgraded.
C. A single vSphere Replication appliance can manage a maximum of 4000 replications.
D. vSphere Replication is available only with the vSphere
E. ssentials Plus license.
【单选题】
Which esxcli namespace can a vSphere Administrator use to adjust the queue depth?___
A. esxcli system module parameters
B. esxcli storage core device
C. esxcli system module set
D. esxcli storage core adapter
【单选题】
Which statement regarding datastore clusters meets VMware’s recommended best practices?___
A. Clusters should contain only datastores presented from the same storage array.
B. Clusters should contain only datastores with equal hardware acceleration capability.
C. Clusters should contain only datastores with the same capacity.
D. Clusters should contain only datastores using the same connection method (iSCSI, FC, etc.).
【单选题】
What VM Monitoring setting would ensure that the maximum reset window for a virtual machine is 24 hours?___
A. Medium
B. Low
C. High
D. Normal
【单选题】
What is the default space threshold for vSphere Storage DRS?___
A. 80%
B. 70%
C. 90%
D. 95%
【单选题】
Which is the correct sequence to upgrade a vSphere infrastructure?___
A. vCenter Server>ESXi host> VMware Tools>VM compatibility
B. ESXi host>vCenter Server> VMware Tools>VM compatibility
C. vCenter host> ESXi host> VM compatibility> VMware Tools
D. ESXi host>vCenter Server> VM compatibility>VMware Tools
【单选题】
An administrator has a large boot from SAN cluster and wants to ensure consistent configuration by using host profiles. What special considerations are required for boot from SAN hosts?___
A. Change the “Device is shared clusterwide” setting to “false” in the host profile.
B. Verify that the boot LUN is correctly identified as the boot device in the host profile.
C. The boot from SAN device must report as a local device.
D. Host profiles are incompatible with boot from SAN hosts.
【单选题】
When using VMware Converter to import a Windows server and improve the consistency of the destination virtual machine, which optional step can be performed immediately prior to powering down the source server?___
A. Perform a final synchronization task.
B. Remove the server from the network.
C. Uninstall production applications.
D. Remove the server from the Active Directory domain.
【单选题】
Restoration of the vCenter Server Appliance is accomplished using which interface?___
A. vSphere Web Client
B. vSphere Client
C. vCenter Server Appliance Management Interface
D. vCenter Server Appliance GUI Installer
【单选题】
When attempting to migrate a virtual machine to another host in the same cluster, the error message, “Select a valid compute resource” returns. What could cause this error?___
A. Both hosts run different versions of ESXi.
B. Both hosts are not sharing the same datastore.
C. VMware Tools is not installed.
D. Virtual machine has an ISO attached.
【单选题】
When will vSphere Data Protection delete the expired backup image of a Platform Service Controller?___
A. Immediately after the retention period has expired.
B. After the expired backup image is restored.
C. During the next backup window following expiry.
D. During the next maintenance window following expiry.
【单选题】
Group A has permission to download files in Content Library. Group B does not have permission to download files in Content Library. If a user is a member of both groups, what will be the result?___
A. The user cannot download file from Content Library.
B. The user can download file from Content Library.
C. The user cannot access Content Library.
D. The user can access Content Library.
【单选题】
An administrator is trying to set up Host Partial Failure Response, but the Automated option is grayed out. What can the administrator change to enable the Automated option?___
A. Change the vSphere DRS Automation level to Partially Automated.
B. Change the vSphere DRS Automation level to Fully Automated.
C. Enable vSphere HA Host Monitoring.
D. Change the vSphere DPM Automation level to Automatic.
【单选题】
When you attempt to open a virtual machine console from the vSphere Web Client, the console does not connect. The following error message appears:<HTTP ERROR 404> <Problem accessin/.Reason: Not Found>. Why did not connect?___
A. Port 443 is in use.
B. Port 9443 is in use.
C. Port 8443 is in use.
D. Port 22443 is in use.
【单选题】
What new feature was introduced to the Content Library in vSphere 6.5?___
A. Mount an ISO directly from the Content Library.
B. Deploy a virtual machine from an OVF Package in a Content Library.
C. Upload a File from a URL to a Library Item.
D. Upload a File from a Local System to a Library Item.
【单选题】
How can an administrator exclude Encryption rights from a support engineer?___
A. Clone the role Virtual machine power user, remove Cryptographic operations privileges.
B. Clone the role Administrator and assign to the support engineer.
C. Clone the role Virtual machine power user and assign to the support engineer.
D. Clone the role No cryptography administrator and select privileges only for the support engineer.
【单选题】
The administrator must back up a vCenter HA deployment. Which component must be backed up?___
A. Passive node
B. Witness node
C. External database
D. Active node
