1. The basic principles of personal loan management include ().
A. Whole process management principles
B. Principle of applying for loans in good faith
C. principle of agreement commitment
D. The principle of separation of examination and loan
E. principle of real loan and real payment
2. The following statement about the principle of personal loan management is correct ().
A. Strengthening the whole process management of loans can promote the transformation of personal loan management mode from extensive to refined, which is helpful to improve the quality of personal loans and the effectiveness of loan risk management.
B. The principle of agreement commitment requires that banking financial institutions, as lenders, should sign complete loan contracts and other agreement documents with borrowers and other relevant parties, standardize relevant behaviors of all parties, clarify rights and obligations of all parties, adjust legal relations of all parties, and clarify legal responsibilities of all parties.
The lender shall set up an independent loan issuing department or post, which is responsible for reviewing all loan preconditions and confirming the use of loan funds.
D the key to the principle of post-loan management is to let the borrower use the loan funds according to the purposes agreed in the loan contract, so as to reduce the risk of loan misappropriation.
E. Post-lending management is conducive to ensuring that credit funds enter the real economy. While meeting the effective credit demand, we should prevent the loan funds from being misappropriated and the credit funds from illegally flowing into the stock market and real estate market.
3. The actual payment of the loan provides a starting point and basis for the whole process management and agreement commitment, which helps the lender to guard against ().
A. Market risk
B. credit risk
C. Legal risks
D. Operational risks
E. Strategic risks
4. Among the following statements about the principle of separation of trial and loan, the correct one is ().
A. The separation of examination and loan can strengthen the internal control of commercial banks and prevent legal risks.
B. The separation of examination and loan can practice the whole process management concept, build a process bank and improve the professional operation level.
C. The separation of loan approval emphasizes the effective restriction between various departments and posts, and avoids the over-concentration of power of the front desk department.
The lender shall set up an independent loan issuing department or post, which is responsible for reviewing all loan preconditions and confirming the use of loan funds.
E. If the lender is entrusted to pay in accordance with the principle of separation of examination and loan, the lender shall confirm the loan payment elements submitted by the borrower.
5. The loan review should comprehensively review the contents of the loan investigation (), focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio, risk degree, etc.
A. necessities
B. Legitimacy
C. Rationality
D. comprehensive
E. accuracy (sex)
6. Personal loan business operation process includes ().
A. Reception and investigation
B. review and approval
C. Signing and publication
D. Payment management
E. Post-lending management
7. Personal loans should be paid by the lender to the borrower's transaction object in the form of entrusted payment in principle; Personal loan () under any of the following circumstances can be paid by the borrower independently with the consent of the lender.
A the borrower cannot determine the specific transaction object in advance and the amount does not exceed 500,000 yuan.
B the counterparty of the borrower does not have the conditions to effectively use the non-cash settlement method.
C the loan funds are used for production and operation and the amount does not exceed 500,000 yuan.
D the loan funds are used for investment and the amount does not exceed 300,000 yuan.
E. Other circumstances stipulated by laws and regulations
8. Among the following statements about the issuance process in the operation of personal loan business, the correct one is ().
A the lender shall sign a written loan contract with the borrower, and if a guarantee is required, a guarantee contract shall be signed at the same time.
B relevant clauses should be set in the loan contract to clarify the borrower's liability for breach of contract when performing the contract or delaying the performance of the contract.
C. If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.
D for personal loans secured by guarantee, the lender shall be filled out by at least two credit personnel.
E. Lenders should strengthen the management of loan issuance and follow the principle of separation of examination and loan.
9. () and other cooperative institutional factors have an important impact on the personal loan risk management of commercial banks.
A. Credit evaluation
B. solvency
C. Management level
D. Industry reputation
E. Operating profit
10. The following belong to operational risk management ().
A. Risk management in acceptance and investigation
B. Risk management in the review and approval process
C. Risk management in the issuance process
D. Risk management in the payment process
E. Risk management of post-lending links
1 1. Risk management in the process of review and approval includes ().
A. rigorous risk assessment
B. Strict loan contract management
C. Prudent credit approval
D. strictly implement separate control of loans and loans.
E. strictly separate the examination and loan.
12. The risk management of post-lending links includes ().
A. Strict post-loan inspection
B. Timely use of default clauses
C. adjust the strategy in time.
D. Strengthening the management of credit files
E. Payment control of independent payment
13. The main forms of credit risk include ().
A. Repayment ability risk
B. risks of policy change
C. Risk of repayment willingness
D. Fraud risk
E. Legal risks
14. Credit risk management measures include ().
A. Strict review of loan applications
B. Strictly implement payment management
C. strictly implement separate control of loans and loans.
D. Strictly implement post-loan management
E. Strengthening the management of credit files
15. Compliance risk management measures include ().
A. Establish an important system to integrate external regulatory requirements into the banking system.
B. improve the process?
C. Strengthening the implementation and monitoring of the system
D. Strict review of loan applications
E. Strictly implement payment management
16. The loan process includes ().
A. Acceptance and investigation of loans
B. review and approval
C. Signing and publication
D. Payment management
E. Post-lending management
17. When examining the guarantee materials in the pre-loan investigation, if the guarantee method is adopted, the contents to be investigated include ().
A. Whether the guarantor complies with the guarantee law and its judicial interpretation, and whether it has the qualification of guarantee.
B. If the guarantor is a legal person, it is necessary to examine whether the guarantor is qualified as a guarantor and has compensatory ability.
C. verify the implementation of the guarantor's guarantee responsibility, and check whether the guarantor has the will to guarantee and knows his own guarantee responsibility.
D if the guarantor is a natural person, the guarantor shall be required to submit relevant materials to check the authenticity and validity of the credit certification materials provided by the loan guarantor.
E. Legality of collateral
18. Banks have different regulations on the certificate of rights that can be used for personal loan pledge, but most of them accept the following certificate of rights as pledge ().
A. national key construction bonds
B. Financial bonds
C. company time deposit certificate
D. Individual time deposit certificate
E1Ministry of finance1certificate-type treasury bonds issued in and after 1989.
19. According to the five-level classification, non-performing personal loans include: ().
A. Normal loans
B. Pay attention to loans
C. Subprime loans
D. doubtful loans
E. Loss loans
20. In the credit risk assessment of individual customers, the "5C" factor analysis method is widely used, which includes the borrower ().
A. Moral quality
B. Ability
C. Capital
D. Source of repayment
E. Use of funds
2 1. The principles to be followed in the unified credit management of individual customers include ().
A. Unified operation
B. Comprehensive measurement
C. classification control
D. dynamic management
E. Expert assessment
22. Personal loan risk management products involved in collection management are ().
A. Personal consumption loans
B. Personal investment and commercial loans
C. Personal pledge loan
D. Other personal loans
E. Credit card accounts receivable
23. Regarding the collection management in personal loan risk management, the following statement is correct ().
A. The collection management means include electronic batch collection, manual collection, disposal of collateral, payment in kind, legal collection, etc.
B no matter what collection form is adopted, the collection personnel need to record the monitoring and collection of customers in detail, supervise and post-evaluate the collection work, and use it as evidence for the disposal of non-performing assets and legal proceedings in the future.
C collection process includes early collection, mid-term collection and non-performing loan collection.
D. Collection scoring model has been widely used to select customers who need priority collection from overdue customers, so as to prevent and avoid overdue accounts from continuing to be overdue and further deteriorating.
E. In the case that 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 institutions for collection.
24. The key risk indicators of portfolio risk monitoring include ().
A. Non-performing assets ratio indicators
B. loan mobility index
C. Early warning indicators
D. Non-performing loan provision coverage ratio indicators
E. Risk operational efficiency indicators
25. The impact of asset securities includes ().
A. The emergence and development of securitization has changed the way commercial banks provide liquidity.
B. Securitization has also greatly changed the way and extent of the influence of monetary policy on the real economy.
C. The development of securitization has improved the willingness of banks to provide credit to all kinds of borrowers.
D. The development of the secondary market of 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 transmission mode of risks, and unregulated securitization has become a direct tool for the spread of financial risks.