08.11.01 Personal Finance Exam 11.02 Exam Fundamentals and Risk Management of Public Accountants. Which subject are you looking for practice questions for?

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(1) Multiple-choice questions

Among the four options given in the following questions, only 1 option meets the question requirements. Please fill in the code of the correct option in the brackets.

1. (D) The People's Bank of China's regulatory responsibilities for banking financial institutions were transferred to the newly established China Banking Regulatory Commission.

A. 2000

B. 2001

C. 2002

D. 2003

2. (B) Responsible for the supervision and management of banking financial institutions and their business activities across the country.

A. People's Bank of China

B. China Banking Regulatory Commission

C. State Council

D. China Banking Association

3. In accordance with the requirements of prudential supervision, supervisory personnel of the China Banking Regulatory Commission analyze and analyze the risks and compliance of banking financial institutions through on-site inspection of various information such as accounts, documents, files and other information on the operating activities of banking financial institutions, as well as interviews and inquiries. Inspection, evaluation and processing, this is (A) among the regulatory measures of the China Banking Regulatory Commission.

A. On-site inspection

B. Supervisory Talk

C. Off-site supervision

D. Information disclosure supervision

4. The daily office of China Banking Association is (D).

A. General Meeting

B. Board of Directors

C. Standing Council

D. Secretariat

5. The overall goals of national economic development generally include (A).

A. Economic growth, full employment, price stability and balance of payments

B. Economic growth, regional coordination, price stability and balance of payments

C. Economic growth, full employment, price stability and import and export growth

D. Economic growth, regional coordination, price stability and import and export growth 6. At present, the unemployment rate announced by my country's statistics department is (A).

A. Registered urban unemployment rate

B. Agricultural household registration unemployment rate

C. Ratio of all registered unemployed people to the national population

D. The number of registered unemployed people in urban areas as a percentage of the number of urban employed people

7. The labor force population refers to (D).

A. All persons over the age of 18

B. All persons over the age of 16

C. All persons over the age of 18 who are capable of working

D. All persons over the age of 16 who are capable of working

8. The inflation rate is a measure of (D) the macroeconomic target.

A. Economic growth

B. Full employment

C. Balance of payments

D. Price stability

9. The following is not a measure of inflation (B).

A. Gross Domestic Product Price Deflator

B. GDP

C. Producer Price Index

D. Consumer Price Index

10. Deposits are the most important thing for banks (D).

A. Investment business

B. Risk exposure

C. Purpose of funds

D. Source of funds

11. On October 29, 2004, the People's Bank of China decided to set (C) deposit interest rates for financial institutions (except urban and rural credit cooperatives).

A. Can float freely

B. Can float

C. Can float down

D. There can only be one

12. Deposit business is divided into personal deposits and (C) according to customer type.

A. Savings deposit

B. Foreign currency deposits

C. Corporate deposits

D. Time deposit

13. Time deposits and demand deposits are distinguished according to (B).

A. Different customer types

B. Different deposit terms

C. Deposit currencies are different

D. Different types of accounts

14. When opening a personal deposit account, you need to present and truthfully register your identity document information, which is called (C).

A. Deposits are voluntary

B. Deposit insurance system

C. Real-name deposit system

D. Deposit registration system

15. Which of the following statements is incorrect (D).

A. my country implements a real-name system for personal deposits

B. Interest income from deposits in my country is subject to interest tax

C. my country's interest tax rate is 20%

D. Interest tax is voluntarily paid by savers individually

16. At present, in my country's bank deposit business, compound interest is used to calculate interest (C).

A. Personal time deposits of more than 10 years

B. Personal time deposit of more than 5 years

C. Personal current deposit

D. Corporate time deposits

17. Starting from September 21, 2005, my country has implemented quarterly interest settlement for demand deposits and interest payment every quarter (D).

A. 20th of the first month

B． 21st of the first month

C. The 20th of the last month

D. The 21st of the last month

18. Mr. Li deposited a current deposit of 1,000 yuan on February 1, 2007, and withdrew the entire principal on March 1. If calculated according to the accumulated interest method, it is assumed that the annual interest rate is 0.72%, deducting 20% After interest taxes, the total amount he can get back is (A).

A. 1,000.45 yuan

B. 1,000.60 yuan

C. 1,000.56 yuan

D. 1,000.48 yuan

19. At present, banks mostly use (D) to calculate lump sum time deposit interest.

A. Accumulated interest calculation method

B. The account balance is accumulated daily based on the actual number of days, and the accumulated points are multiplied by the daily interest rate

C. The interest calculation method chosen by the depositor himself

D. Transaction-by-transaction interest calculation

20. Usually, lump sum fixed deposit (B).

A. The longer the term, the lower the interest rate

B. The longer the term, the higher the interest rate

C. The interest rate has nothing to do with the length of the term

D. For the same term, the higher the principal, the lower the interest rate

21. For time savings deposits withdrawn in advance, interest will be calculated on the withdrawn portion according to (C).

A. Interest will be calculated based on the current deposit interest rate announced on the date of deposit

B. Interest is calculated based on the time deposit interest rate announced on the date of deposit.

C. Interest will be calculated based on the current deposit interest rate announced on the withdrawal date

D. Interest will be calculated based on the time deposit interest rate published on the withdrawal date

22. If the time deposit encounters an interest rate adjustment during the deposit period, then (D).

A. The interest during the entire deposit period is calculated according to the interest rate announced on the adjustment date

B. The interest before adjustment is calculated according to the interest rate published on the date of deposit certificate opening, and the interest after adjustment is calculated according to the interest rate published on the date of adjustment

C. The interest during the entire deposit period is calculated according to the interest rate announced on the deposit maturity date

D. The interest during the entire deposit period is calculated based on the interest rate announced on the date of deposit certificate opening

23. Ren Min deposited a one-year lump sum time deposit of RMB 20,000 on January 8, 2007. It is assumed that the annual interest rate of the one-year time deposit is 1.98% and the annual interest rate of the demand deposit is 0.72%. After saving for one month, Ren Min withdrew 10,000 yuan. According to the accumulated interest calculation method, how much interest will the people withdraw on the 10,000 yuan? (D) (after 20% interest tax is levied)

A. 6.20 yuan

B. 5.30 yuan

C. 4.12 yuan

D. 4.96 yuan

24. At present, savers of education savings deposits are and can only be (C).

A. Students in the first year of junior high school (including the first year of junior high school) and above

B. Students in grade six (including sixth grade) and above in primary school

C. Students in grade four (including fourth grade) or above of primary school

D. Children who have not yet entered primary school

25. Banking risk refers to the possibility that a bank may suffer losses due to various uncertain factors during its operation.

A. Deposit

B. Assets and expected returns

C. Reputation

D. Own capital

26. Regarding country risk, the correct statement is (B).

A. Usually within the control of creditors

B. There is no country risk within the same country

C. Individuals will not suffer losses from country risk

D. Country risk is caused by the behavior of the country where the creditor is located

27. Since the nature of bank business requires banks to maintain the confidence of depositors, lenders and the entire market, banks usually regard (B) as the greatest threat to their market value.

A. Market risk

B. Reputation risk

C. Legal risks

D. Liquidity risk

28. In bank risk management, the main responsibility of bank (A) is to implement risk management policies, formulate risk management procedures and operating procedures, and keep abreast of risk levels and their management status.

A. Senior Management

B. Board of Directors

C. Board of Supervisors

D. Shareholders' meeting

29. The correct statement about a bank's "risk management department" is (A).

A. The core function is the collection, analysis and reporting of risk information

B. Have relatively large veto power over risk management strategies to reduce operational risks

C. The function is to make operational or strategic decisions based on the information collected

D. Can also be called the "Risk Management Committee"

30. The "Amendment to the Law of the People's Bank of China" was passed on (C).

A. March 18, 1995

B． December 27, 2001

C. December 27, 2003

D. March 18, 2005

31. As far as the supervision and management part is concerned, the focus of the revision of the "Amendment to the Law of the People's Bank of China" passed by the Sixth Meeting of the Standing Committee of the Tenth National People's Congress is (C).

A. The People's Bank of China began to exercise the function of directly approving financial institutions

B. The People's Bank of China begins to exercise anti-money laundering functions

C. The People's Bank of China will divide the regulatory functions of the banking industry and transfer them to the China Banking Regulatory Commission

D. The People's Bank of China begins to exercise direct inspection and supervision powers

32. The China Banking Regulatory Commission can take over banks that are in credit crisis, and the maximum period of takeover is (B).

A. 1 year

B. 2 years

C. 3 years

D. 5 years

33. The China Banking Regulatory Commission may cancel banking financial institutions whose illegal operations or poor management have caused serious consequences. Cancellation refers to (C) administrative coercive measures taken by regulatory authorities against financial institutions with legal person status established with their approval.

A. Cease its business operations

B. Restrict all its operations

C. Terminate its legal personality

D. Confiscate all its assets

34. Administrative sanctions refer to violations of administrative disciplines imposed by state administrative agencies on state civil servants and other personnel appointed by state administrative agencies (C).

A. Dismissal

B. Criminal Punishment

C. Administrative sanctions

D. Punishment of dismissal

35. Administrative penalties (A).

A. It is a legal sanction for perpetrators who commit minor violations that do not constitute a crime

B. It is a criminal sanction for behavior that violates the "Criminal Law"

C. It is an administrative sanction imposed on violations of administrative disciplines

D. Only for citizens, not for legal persons

36. Suspension or revocation of license falls under (C).

A. Criminal sanctions

B. Administrative sanctions

C. Administrative penalties

D. Pursuing civil liability

37. Banking regulatory authorities’ inquiries into the accounts of banking financial institutions, their staff, and related actors suspected of financial violations must be approved by (A).

A. The person in charge of the banking regulatory agency of the State Council or its provincial branch office

B. Tongwu Yuan banking regulatory agency or the CBRC city-level dispatched office or above

Person in charge

C. Local government

D. Local public security department

38. The accounts of banking financial institutions, their staff, and related actors suspected of transferring or concealing illegal funds may, with the approval of (D), apply to judicial authorities for freezing.

A. People's Bank of China

B. Local government

C. Discipline Inspection Department

D. Head of the banking regulatory agency

39. If a financial institution uses a third party to identify customers, but the third party fails to take customer identification measures that comply with the requirements of the Anti-Money Laundering Law, (C) shall bear the responsibility for failing to perform customer identification obligations.

A. Third party

B. Customer

C. The financial institution

D. The financial institution and the third party are proportionately

40. Establishing a national anti-money laundering database and properly preserving information on large-value transactions and suspicious transaction reports submitted by financial institutions is one of the responsibilities of (D).

A. China Banking Regulatory Commission

B. All commercial banks

C. China Banking Association

D. China Anti-Money Laundering Monitoring and Analysis Center

41. The Anti-Money Laundering Law comes into effect from (C).

A. January 1, 2006

B. June 1, 2006

C. January 1, 2007

D. June 1, 2007

42. China Anti-Money Laundering Monitoring and Analysis Center was established by (C).

A. China Banking Regulatory Commission

B. Ministry of Finance

C. People's Bank of China

D. State Administration of Foreign Exchange

43. The responsibilities of the China Anti-Money Laundering Monitoring and Analysis Center do not include (B).

A. Report the analysis results to the People's Bank of China in accordance with regulations

B. Formulate anti-money laundering regulations for financial institutions

C. Receive and analyze large-value transactions and suspicious transaction reports in RMB and foreign currencies

D. Require financial institutions to promptly supplement and correct large-value transactions and suspicious transaction reports in RMB and foreign currencies

44. The following does not fall within the anti-money laundering obligations of financial institutions (C).

A. Financial institutions shall establish and improve an anti-money laundering internal control system in accordance with regulations, and the person in charge of the financial institution shall be responsible for the effective implementation of the anti-money laundering internal control system

B. Financial institutions should establish and implement customer identification systems in accordance with regulations

C. Financial institutions should establish a system for retaining customer identity information and transaction records in accordance with regulations

and destroy all information and records when the financial institution goes bankrupt or is dissolved

D. Financial institutions should implement large-value transaction and suspicious transaction reporting systems in accordance with regulations

45. The anti-money laundering administrative department of the State Council is (D).

A. China Banking Regulatory Commission

B. China Insurance Regulatory Commission

C. China Securities Regulatory Commission

D. People's Bank of China

46. The purpose of formulating the professional ethics of banking industry employees is "to standardize the ____ of banking industry employees, improve the overall quality and ____ of China's banking industry employees, establish a healthy banking industry corporate culture and credit culture, maintain the good reputation of the banking industry, and promote For the healthy development of the banking industry, this professional code of ethics shall be formulated.” (B)

A. Professional discipline, professional ethics

B. Professional conduct, professional ethics

C. Professional ethics, professional discipline

D. Professional ethics, professional ethics level

47. Banking industry employees do not include (D).

A. Bank staff

B. Trust company staff

C. Auto finance company staff

D. Securities company staff

48. It is criterion (B) that banking industry practitioners should have the professional knowledge, qualifications and abilities required for their positions.

A. Compliance with laws and regulations

B. Professional and competent

C. Diligent and conscientious

D. Honesty and credibility

49. The following practices that meet the requirements of "compliance with laws and regulations" include (D).

A. Comply with laws and regulations

B. Comply with industry self-regulatory regulations

C. Comply with the rules and regulations of your organization

D. The above should be observed

50. Which of the following clearly violates the requirement of "diligence and due diligence"? (B)

A. Be honest and trustworthy to your organization

B. Often make personal phone calls at work and browse the Internet for content of personal interest

C. Effectively perform job responsibilities

D. Maintain the business reputation of your organization

The article comes from: 2008 Banking Qualification Training and Examination Network (www.yinhang123.com) For detailed text reference: /ccbp_show_36394.html