I. Multiple choice questions

1. () is an important prerequisite for the safety of personal education loan funds.

A. the borrower's repayment ability

B. Borrower's willingness to repay

C. the borrower's education level

D. The borrower's family background

2. The commercial banks in () have smaller assets and provide fewer credit products, which are concentrated in one or several market segments for marketing.

A. Dominance

B. Subsequent status

C. Fill in the status

D. standing posture

3. The following statement about provident fund personal housing loan is incorrect ().

A. Also known as entrusted individual housing provident fund loan, it is a special housing consumption loan.

B The object of the loan is the depositor of the housing provident fund and the retired workers who paid the housing provident fund during their employment.

C. Compared with commercial loans, the interest rate of provident fund housing loans is higher.

D. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum.

4. Regarding the requirements for applying for commercial housing loans, it is wrong to say ().

A. A down payment of not less than 40% of the total price of the purchased or rented commercial house must be paid first.

B sign a contract or agreement with the developer to purchase or lease commercial housing.

C. provide effective guarantee recognized by the lending bank.

D. At present, there are no adverse related civil disputes and criminal case responsibilities.

5. In the personal housing loan business, the main business of the loan approval link, the lice risk control point does not include ().

A failure to conduct examination and approval in accordance with the principles of independence and impartiality

B. Failing to examine and approve loans as authorized, resulting in granting loans beyond authorization.

C. The examination and approval personnel did not strictly review the contents of the corresponding examination, which led to the issuance of loans to unqualified borrowers.

D. the contract signed with the borrower is invalid

6. At present, a positioning strategy that banks use more is ().

A. customer-oriented strategy

B. Product positioning strategy

C. Image positioning strategy

D. Harmonious positioning strategy

7. In the process of investigating the use of commercial housing loans and related contracts and agreements, the contents that investigators should check before lending do not include ().

A. Whether the housing location in the commercial housing purchase or lease contract submitted by the loan applicant is consistent with the property right certificate.

B.is the date of signing the contract clear?

C. Is the name of the buyer or lessee the same as that of the lender in the commercial housing contract?

D. Is the seller or lessor in the commercial housing contract the property owner?

8. The lender pays () to students (including junior college students, undergraduates and graduate students) in institutions of higher learning (hereinafter referred to as borrowers) and () to their immediate family members and legal guardians (hereinafter referred to as lottery borrowers).

A. unsecured (credit) student loans, guaranteed student loans

B unsecured (credit) student loans, unsecured (credit) student loans and guaranteed student loans.

C. Guaranteed student loans, unsecured (credit) student loans

D. guaranteed student loans, unsecured (credit) student loans and guaranteed student loans

9. When applying for a commercial student loan, the lender ().

A the borrower's application in the place of origin is acceptable, but the application in the place where the school is located is not acceptable.

B You can accept the borrower's application in your place of origin, or you can accept the application in the school.

C. The borrower's application in the place of origin cannot be accepted, but the application in the school location can be accepted.

D you can accept the borrower's application in your place of origin, or you can accept the application in the school.

10. In order to ensure the borrower's repayment ability and prevent credit risks, the Notice of the China Banking Regulatory Commission of the People's Bank of China on Strengthening the Credit Management of Commercial Real Estate emphasizes that the borrower's monthly expenditure on housing loan repayment shall not be higher than his monthly income ().

A.30%

40%

About 50%

D.60%

1 1. The Measures for the Administration of Commercial Housing Sales stipulates that a real estate development enterprise shall, within () days from the date of delivery of the commercial housing, submit to the real estate administrative department where the house is located the information required for the registration of the ownership of the house.

A.30

b60

C.90

D. 120

12. Company A owed Company B a loan of 5 million yuan, and Company B asked for a guarantee, so Company A pledged its equity in a limited liability company to Company B, and both parties signed an equity pledge contract. On the same day, other shareholders of the company agreed that Company A would pledge its equity to Company B, and made a resolution of the board of directors. To be on the safe side, Company B notarized the equity pledge contract and related pledge materials. The following statement is correct ().

A. the equity pledge is valid.

B. the establishment of equity pledge is invalid.

C. The equity pledge shall take effect from the date when other shareholders of the company agree and make a resolution of the board of directors.

D. The equity pledge is valid from the date of notarization.

13. The following statement about the legal characteristics of the contract is wrong ().

A. concluding a contract is a civil legal act.

B contracts can be divided into agreements concluded by both parties on the basis of equality and voluntariness and mandatory clauses issued by superior units or subordinate units.

The purpose of a contract is to establish, change and terminate the civil rights and obligations between the parties.

D. a contract is legally binding when it is established according to law.

14. According to the Guarantee Law, if the parties have not agreed or are not clear about the guarantee method, the following statement is true ().

A. assume the guarantee responsibility according to the general guarantee

B. assume the guarantee liability according to the joint and several liability guarantee

C. guarantee that the contract is invalid

D. The guarantor can choose general guarantee or joint liability guarantee at will.

15. According to the Notice on Strengthening Credit Management of Commercial Real Estate, commercial banks may not accept commercial houses that have been vacant for more than () years as collateral for loans.

A. 1

B.2

C.3

D.5

16. According to the provisions of the contract law, the following clauses about the contract are incorrectly stated ().

A. The legal status of both parties to the contract is equal.

B. the parties have the right to conclude a contract voluntarily according to law.

C both parties shall determine the rights and obligations of each party according to the principle of fairness.

D. the parties cannot entrust an agent to conclude a contract.

17. According to the provisions of the contract law, when concluding a contract, the parties shall have the corresponding ().

A. Name, organization and location

B. Capacity for civil rights

C. Self-sufficient property

D. all of the above are correct

18. Mortgage contract established with land ownership as collateral ().

A. it will take effect from the date of signing the contract.

B. It will take effect upon mortgage registration.

C. it will take effect after being approved by the land management department.

D. invalid

19. Is that right? Commercial housing? If you apply for a loan in the name, the down payment ratio shall not be less than (), and the loan term and interest rate level shall be implemented in accordance with the Provisions on the Administration of Commercial Housing Loans.

A.30%

40%

About 45%

D.50%

20. For individual housing loans mortgaged by the allocated state-owned land use right, the lender shall enjoy the priority of compensation after paying the amount equivalent to the land use right transfer fee according to law.

A. Mortgagee

B. Borrowers

C. mortgagor

D. the actual controller of the mortgagor

Second, multiple choice questions

1. Principles for the implementation of commercial student loans ().

A. Partially self-financing

B. Risk compensation

C. Effective guarantees

D. ear tag

E. Repayment on time

2. The following belongs to durable consumer goods is ().

A. Computer

B. household appliances

C. cars

D. residence

E. musical instrument

3. In order to handle personal loans conveniently, the bank has taken () measures.

A. Simplifying loan business procedures

B. Increase business outlets

C. Improving service quality

D. Improving service means

E. Increase service personnel

4. Pledges that can be used as personal pledge loans mainly include ().

A. drafts, checks and promissory notes

B. combination

C. Warehouse receipts and bills of lading

D. deposit slip

E. Accounts receivable

5. The bank's own strength analysis includes ().

A. the ability of bank leaders

B. Market position of banks

C. Market reputation of banks

D. Old financial strength of banks

E. the government's special policy towards banks

6. The following belongs to the working capital loan is ().

A. Personal commercial housing loan from China Bank

B. Personal construction machinery mortgage loan of China Everbright Bank

C. Personal Employment Loan of China Construction Bank

D. Citibank? When you are happy? Personal unsecured loan

E. Personal investment and commercial loans of China Bank

7. The basic requirements for marketers generally include ().

A. Quality

B. Skills

C. knowledge

D. Education major

E. appear

8. Bank brand marketing channels include ().

A. Changing banking practices

B. Spread the brand

C. Integrating brand resources

D. Establish a brand studio

E. create influence and loftiness for the brand.

9. Bank marketing strategy refers to the planning and decision-making made by banks in order to survive and develop in a complex and changeable market environment and achieve specific marketing goals.

A. systematic

B. Overall situation

C. Decisiveness

D. long-term

E. planning

10. What are the legal and policy risks of individual housing loans? ( )

A. Subject qualification of the borrower

B. Risk of sealing effectiveness

C. Guarantee risk

D. Risk of statute of limitations

E. Policy risks

1 1. The basic condition of the loan object of the provident fund personal housing loan is ().

A. A legal person, other economic organization or natural person who meets the conditions of asset mortgage or pledge or has sufficient compensation capacity as the guarantor.

B pay the housing provident fund in full and on time and have a personal housing provident fund deposit account.

C has stable income, good credit and the ability to repay the principal and interest of the loan.

D there are legal and valid contracts, agreements and other supporting documents required by the lending bank. E, there are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing.

12. The repayment methods of provident fund personal housing loans include ().

A. Equal principal and interest repayment method

B. Imitate the monthly repayment method after withdrawal

C. Average capital repayment method

D. One-time repayment of principal and interest

E. Next-generation lump-sum repayment method

13. According to the classification of housing transactions, individual housing loans can be divided into ().

A. individual housing loan for new housing

B. individual housing refinancing loans

C. individual housing transfer loans

D. provident fund personal housing loan

E. Personal first-hand housing loan

14. What conditions must the borrower meet to apply for a personal car loan? ( )

A People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) continuously for more than 1 year (inclusive).

Have a valid identity certificate, a fixed and detailed address and full capacity for civil conduct.

C. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest

D. Good personal credit

Be able to pay the down payment stipulated by the loan bank.

15. Investigation on personal car loan guarantee, among which, if pledge guarantee is adopted, it should be investigated ().

A. Legitimacy of pledge right

B, investigate whether the owner and pledgor on the right certificate are the same person.

C does the pledgor have the right to dispose of the certificate of title?

D. Investigate whether the value and term of the pledge match the loan amount and term.

E. Does anyone agree to pledge pledge?

16. If the vehicle purchased by the loan is used as collateral, the materials that the individual car loan borrower must hand over to the loan bank for safekeeping are ().

A. Original car purchase invoice

B. Original payment voucher

C. Original motor vehicle registration certificate

D. driving original

E. insurance policy

17. The * * behavior of automobile dealers mainly includes ().

A. more loans for one car

B. Loans and use

C. misrepresenting the price of cars

D. Pretend to be a substitute

E. Fake car dealers

18. According to the Regulations on Housing Provident Fund Management, employees () can withdraw the storage balance in their housing provident fund accounts.

A. purchase, construction, renovation and overhaul of owner-occupied housing

B. completely lose the ability to work and terminate the labor relationship with the unit.

C. Leave the country and settle down

D. Repaying the principal and interest of the house purchase loan

E. Retirement

19. The application materials that the commercial student loan applicant needs to submit include ().

A. the borrower's legal identity certificate and its copy.

Proof of the relationship between the borrower and its legal representative as required by the loan bank.

C the economic income of the borrower or his family members recognized by the lending bank is clear.

D the borrower and the guarantor shall personally issue and sign a written authorization to allow the lending bank to inquire about their personal credit information. E. If the real estate is used as mortgage (pledge), the mortgage (pledge) certificate and the commitment letter signed by the person who has the right to dispose of it (including the owner of the real estate) shall be provided.

20. After the pre-loan investigation of commercial student loans is completed, the handling bank shall put forward opinions or suggestions on ().

A.do you agree to the loan?

B. Loan amount

C. Guarantee method

D. Loan interest rate

E. Transfer mode

Second, the judgment question

1. Transferable property rights of registered trademarks, patents, copyrights and other intellectual property rights can be used as collateral for personal pledge loans. (ton)

2. The objects of personal loans include natural persons and legal persons. (6)

3. Lending banks can only use one loan guarantee method, and cannot use several at the same time. (6)

4. As the executor of the loan approval link, the provident fund management center makes the final decision on the loan amount, proportion and life. (ton)

5. What are the risks of real estate developers and intermediaries? Fake loan? . (ton)

6. In the individual housing loan, after the bank has passed the examination of the relevant information of the project, it can be exempted from the on-the-spot investigation of the project. (6)

7. The personal car loan interest rate shall be implemented in accordance with the loan and interest rate regulations of the People's Bank of China for the same period, and the loan banks are allowed to fluctuate in accordance with the interest rate regulations of the People's Bank of China. ( )

8. After the borrower pays off the loan principal and interest, it is necessary to return some archival materials to the borrower or destroy them. (ton)

9. National student loan? Credit issuance? The principle is that students apply for national student loans without providing any guarantee. (ton)

10. In the pre-loan investigation of commercial student loans, if pledge guarantee is adopted, the investigators should investigate whether the value and term of the pledged property match the loan amount and term, and whether the pledged property is pledged. (ton)

1 1. Personal business loans are in a relatively mature development stage. (6)

12. In principle, the mortgage procedures for guaranteeing working capital loans should be handled entirely by external intermediaries. (6)

13. During the performance of this contract, the loan term of personal mortgage credit loan shall not be adjusted. (6)

14. In China, the personal credit database is updated every two months. (6)

15. The behavior of real estate developers selling unfinished commercial housing to buyers belongs to the pre-sale of commercial housing. (ton)