2. Multiple-choice questions (at least two of the answers given in each question below are correct, please fill in the correct answer code in brackets)

1. The basic principles of personal loan management include ( ).

A. Principle of whole-process management

B. Principle of credit application and loan application

C. Principle of agreement and commitment

D. Separation of review and loan review Principle

E. Principle of real loan and real payment

2. Among the following statements about personal loan management principles, the correct one is ().

A. Strengthening the whole-process management of loans can promote the transformation of banks’ personal loan management models from extensive to refined, help improve the quality of personal loans, and increase the effectiveness of loan risk management

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B. The principle of agreement and commitment requires that banking financial institutions, as lenders, should sign complete loan contracts and other agreement documents with borrowers and other relevant parties to regulate the relevant behaviors of each party and clarify the rights and obligations of each party. Adjust the legal relationship between the parties and clarify the legal responsibilities of each party

C. The lender should establish an independent loan-issuing department or position responsible for reviewing various prerequisites for lending and confirming the use of loan funds

D. The key to the principle of post-loan management is to allow the borrower to use the loan funds in accordance with the agreed purposes of the loan contract and reduce the risk of loan misappropriation

E. The implementation of post-loan management will help ensure that credit funds enter the real economy , while meeting effective credit needs, strictly prevent loan funds from being misappropriated, and avoid illegal flow of credit funds into the stock market, real estate market, etc.

3. Actual loan and actual payment provide operational support for full-process management and agreement commitments Hands-on and basis can help lenders prevent ().

A. Market risk

B. Credit risk

C. Legal risk

D. Operational risk

E. Strategic risk

4. Among the following statements about the principle of separation of loan review and loan review, the correct one is ().

A. Promoting the separation of loan review and loan review can strengthen the internal control of commercial banks and prevent legal risks

B. Promoting the separation of review and loan review can implement the concept of full-process management and build processes Banks should improve professional operation levels

C. The separation of loan review and loan review emphasizes effective constraints between departments and positions to avoid excessive concentration of power in front-office departments

D. Lenders should establish independent The loan issuance department or position is responsible for reviewing various loan prerequisites and confirming the use of loan funds

E. Based on the principle of separation of loan review and loan review, if the lender is entrusted with payment, the lender shall pay the loan submitted by the borrower Confirm the elements

5. The loan review should conduct a comprehensive review of the loan investigation content ( ), focusing on the due diligence of the investigator and the borrower's repayment ability, integrity status, guarantee situation, mortgage (pledge) ratio, degree of risk, etc.

A. Necessity

B. Legality

C. Rationality

D. Comprehensiveness

E. Accuracy

6. The personal loan business operation process includes ().

A. Acceptance and investigation

B. Review and approval

C. Signing and issuance

D. Payment management

E. Post-loan management

7. In principle, personal loans shall be paid to the borrower’s counterparty in the form of entrusted payment by the lender; personal loans that fall under one of the following circumstances ( ) shall be paid through the loan The borrower agrees that the borrower can pay independently.

A. The borrower cannot determine the specific transaction partner in advance and the amount does not exceed RMB 500,000

B. The borrower’s transaction partner is not qualified to effectively use non-cash settlement methods

C. The loan funds are used for production and operation and the amount does not exceed RMB 500,000.

D. The loan funds are used for investment and the amount does not exceed RMB 300,000< /p>

E. Other situations stipulated in laws and regulations

8. Among the following statements about the signing and issuance of personal loan business operations, the correct one is ( ).

A. The lender should sign a written loan contract with the borrower, and if a guarantee is required, a guarantee contract should be signed at the same time.

B. The loan contract should set up relevant clauses to clarify whether the borrower will perform the contract or Liability for breach of contract when neglecting to perform the contract

C. If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be protected and made public

D. Guarantee by way of guarantee For personal loans, the lender should be completed by no less than two credit officers

E. The lender should strengthen the management of loan issuance and follow the principle of separation of loan review and lending

9 Factors such as ( ) of cooperative institutions have an important impact on personal loan risk management of commercial banks.

A. Credit status

B. Solvency

C. Management level

D. Industry reputation

10. The following belong to operational risk management ().

A. Risk management in the acceptance and investigation process

B. Risk management in the review and approval process

C. Risk management in the signing and issuance process

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D. Risk management in the payment link

E. Risk management in the post-loan link

11. Risk management in the review and approval link includes ().

A. Strictly conduct risk assessment

B. Strictly manage loan contracts

C. Prudently conduct credit approval

D. Strictly implement Separate control of lending and lending

E. Strictly implement separation of loan review and loan review

12. Risk management in the post-loan process includes ().

A. Strictly conduct post-loan inspections

B. Utilize default clauses in a timely manner

C. Make timely strategic adjustments

D. Strengthen Credit file management

E. Payment control of autonomous payments

13. The main forms of credit risk include ().

A. Repayment ability risk

B. Policy change risk

C. Repayment willingness risk

D. Fraud risk< /p>

E. Legal risk

14. The management measures for credit risk include ( ).

A. Strictly review loan applications

B. Strictly implement payment management

C. Strictly implement separate lending controls

D. Strictly implement post-loan management

E. Strengthen credit file management

15. Compliance risk management measures include ().

A. Establish important systems and internalize external regulatory requirements into banking systems

B. Improve processes?

C. Strengthen the implementation and implementation of systems Monitoring

D. Strictly review loan applications

E. Strictly implement payment management

16. The loan process includes ().

A. Loan acceptance and investigation

B. Review and approval

C. Signing and issuance

D. Payment management< /p>

E. Post-loan management

17. When investigating and reviewing the guarantee materials before the loan, if the guarantee method is adopted, the contents that should be investigated include ().

A. Whether the guarantor complies with the provisions of the "Guarantee Law" and its judicial interpretations and has the qualifications to guarantee

B. If the guarantor is a legal person, it is necessary to investigate whether the guarantor has the qualifications of a guarantor and whether it has the authority to act as agent. Solvency

C. Verify the implementation of the guarantor's guarantee responsibilities, check whether the guarantor has the willingness to guarantee and confirm its guarantee responsibilities

D. If the guarantor is a natural person, the guarantor should be required to submit relevant materials, you should check whether the credit certification materials provided by the loan guarantor are true and valid

E. Legality of the collateral

18. Each bank has regulations on the certificates of rights that can be used as pledges for personal loans. They vary, but most of them accept the following rights certificates as pledges ( ).

A. National key construction bonds

B. Financial bonds

C. Institutional time deposit certificates

D. Personal time deposit certificates

E.1 Certificate-type treasury bonds issued by the Ministry of Finance in 1989 and after

19. According to the five-level classification method, non-performing personal loans include: ( ).

A. Normal loans

B. Special mention loans

C. Subprime loans

D. Doubtful loans

20. In the credit risk assessment of individual customers, the "5C" factor analysis method is widely used, which includes borrowers ().

A. Moral character

B. Ability

C. Capital

D. Source of repayment

E. Purpose of funds

21. The principles that should be followed in the unified credit management of individual customers include ().

A. Unified management

B. Comprehensive calculation

C. Classified control

D. Dynamic management

E. Expert evaluation

22. Products involved in collection management in personal loan risk management include ().

A. Personal consumption loans

B. Personal investment and business loans

C. Personal pledge loans

D. Others Personal loans

E. Credit card accounts receivable

23. Which of the following statements about collection management in personal loan risk management is correct ( ).

A. Collection management methods include electronic batch collection, manual collection, processing of collateral, debt repayment with property, and legal collection.

B. No matter what form of collection is adopted, collection personnel need to record in detail the monitoring and collection of customers, supervise and post-evaluate the collection work, and use it as evidence for future non-performing asset disposal and legal proceedings. .

C. The collection process includes early collection, mid-term collection and non-performing loan collection.

D. The collection scoring model has been widely used to select customers who need priority collection from overdue customers to prevent and avoid overdue accounts from continuing to become overdue and further overdue to a worse state.

E. When the various collection methods independently adopted by the bank are ineffective or it is predicted that outsourcing collection services is more cost-effective than independent collection, the bank will outsource the collection and litigation of non-performing loans to Professional agencies handle collection.

24. Key risk indicators for asset portfolio risk monitoring include ( ).

A. Non-performing asset ratio indicator

B. Loan migration rate indicator

C. Early warning indicator

D. Non-performing loan provision Coverage indicator

E. Risk operation efficiency indicator

25. The impact of asset securities includes ().

A. The emergence and development of securitization have changed the way commercial banks provide liquidity.

B. Securitization has also greatly changed the way and extent of the impact of monetary policy on the real economy.

C. The development of securitization has increased banks’ willingness to provide credit to various borrowers.

D. The development of the secondary market for credit assets has promoted the rapid development of the primary market and changed the credit standards of banks.

E. Asset securitization has also changed the risk transmission model. Securitization without supervision has become a direct tool for the spread of financial risks.