1. Fill in the blanks (0.5 points for each blank, ***15 points)

1. Generally speaking, for any large amount of production and operation loans for farmers, production is guaranteed If there is a market for the product and the risk can be controlled, the loan method ( ) can be adopted. This kind of loan can be used for turnover ( ), or the method ( ) can be adopted.

2. Rural credit cooperatives issue loans, and members enjoy ( ) and ( ).

3. Enterprises registered with the industrial and commercial administration department with ( ), with good operating performance, repaying bank loans in full and on time, and with continuous profits in the last ( ) year, after year-end distribution, the net assets If the total assets reaches ( ), you can invest in rural cooperative banks, but the cumulative amount of investment plus the cumulative amount of other investments in the enterprise shall not exceed ( ) the net assets of the enterprise.

4. Rural credit cooperatives are ( ) local financial institutions composed of ( ), ( ) and ( ) within their jurisdiction. They are an important part of my country's financial system.

5. The normal redemption period for special bills is ( ) years, but payment can be advanced or postponed under certain conditions. When the special bills mature and the capital adequacy ratio and non-performing loan ratio do not meet the corresponding redemption conditions, the People's Bank of China can postpone the redemption period ( ), but within this period ( ). After a rural credit cooperative subscribes for special bills, if its capital adequacy ratio and non-performing ratio indicators meet the conditions for special bills after continuous assessment ( ), the People's Bank of China may choose to redeem them in advance.

6. The characteristic of joint-stock system is "( )", which is suitable for places with developed market economy and high degree of commercialization. It is a ( ) combination.

7. The shareholding ratio of a single natural person shareholder of a rural cooperative bank shall not exceed the total share capital of the rural cooperative bank ( ). The total shareholding of the bank’s employees shall not exceed the total share capital ( ). Natural person shareholders other than employees shall not exceed the total share capital of the bank. The total shareholding shall not be less than () the total share capital.

8. Rural credit cooperatives should follow the principle of ( )\( ), combine local realities, and select and determine the provincial management agency of rural credit cooperatives according to work needs. The specific form can be selected from ( ), ( ), ( ).

9. Rural credit cooperatives that violate the rules of ( ), have a capital adequacy ratio lower than ( ), and have hidden risks shall be ordered to make corrections within a time limit.

10. When applying for special bills, capital adequacy ratio = ( ).

2. Indefinite multiple-choice questions (one or more of the alternative answers to each question below are correct, please select them and fill in the serial number in the answer sheet. Each question is worth 3 points. ***30 points. No points will be awarded for multiple selections, short selections, or incorrect selections.)

1. The stock certificate should clearly indicate the matters that members (shareholders) should know in the form of instructions for joining the stock market. Explanation, the following expressions are correct ( ).

A. According to the profit situation, dividends will be distributed to members (shareholders) in accordance with regulations, and interest will be paid on the share capital.

B. Members (shareholders) should read the articles of association of rural credit cooperatives or rural cooperative banks in detail before investing in shares, and be aware of the rights and obligations of members (shareholders).

C. The withdrawal of shares by members (shareholders) should comply with the conditions stipulated in the articles of association.

D. Members (shareholders) bear the risks of rural credit cooperatives or rural cooperative banks to the extent of their shareholdings, but do not bear civil liability.

2. In addition to traditional deposits, loans, exchange settlement and other services, rural credit cooperatives can also provide customers with services such as ( ).

A. Information consultation B. Financial management on behalf of clients C. Collection and payment on behalf of clients

D. Insurance agency E. Securities and other banking services

3. The following The purpose of small credit loans for farmers is ( ).

A. Loans for agricultural production expenses such as planting and breeding;

B. Loans for agricultural machinery and tools; C. Loans for small farmland water conservancy facilities;

D. Loans for pre-production, mid-production and post-production services around agricultural production; loans for E, processing, handicrafts, transportation, commerce and other individual industrial and commercial households, as well as other loans.

4. Which of the following conditions for establishing a rural commercial bank is correctly stated ( ).

A. The registered capital is not less than 50 million yuan, and the capital adequacy ratio reaches 4;

B. The total assets of the rural credit cooperative within its jurisdiction before establishment are more than 1 billion yuan, and the non-performing The loan ratio is less than 15;

C. There are no less than 1,000 sponsors, and there are senior managers with the professional knowledge and business experience required for the position;

D. There are sound The organizational structure, management system and other conditions specified by the China Banking Regulatory Commission.

5. Rural credit cooperatives can implement unified legal persons based on counties (cities). The correct expression is ( ).

A. The rural credit cooperatives under the jurisdiction of the whole country are calculated collectively, and the book funds can cover the debts;

B. The grassroots rural credit cooperatives are voluntary;

C. County (city) The association has strong management capabilities;

D. After unifying the legal person, the equity capital reaches more than 10 million yuan, and the core capital adequacy ratio is not less than 4 at any time.

6. The state’s support for rural credit cooperatives mainly includes ( ).

A. Fiscal subsidies B. Financial support

C. Tax incentives D. Interest rate policy

7. The contents of the rural credit cooperatives’ capital increase and share expansion plan include: ( ).

A. Basic situation at the end of 2003;

B. Changes in equity capital and non-performing loans before formulating the plan;

C. Need to further increase shares Estimation of capital and reduction of non-performing loans;

D. Progress arrangements and measures for capital increase and share expansion and reduction of non-performing loans.

8. The conditions for investing in rural credit cooperatives and rural cooperative banks are ( )

A. Investing in rural credit cooperatives and rural cooperative banks can be in the form of monetary funds, physical assets, or claims. , marketable securities, etc.;

B. Rural credit cooperatives and rural cooperative banks are not allowed to exchange shares with industrial and commercial enterprises;

C. Rural credit cooperatives and rural cooperatives Members (shareholders) of cooperative banks can invest in shares with their own funds or borrow money from financial institutions;

D. People's governments at all levels can also use fiscal funds to invest in rural credit cooperatives and rural cooperative banks.

9. The correct description of loan extension is ( )

A. Each loan can only be extended once;

B. Each loan can only be extended at most Extension twice;

C. The interest rate during the extension period is the original loan interest rate;

D. The short-term loan extension can exceed the original loan term;

E. Medium and long-term The loan extension period shall not exceed half of the original loan period and shall not exceed 3 years.

10. "Loan Operation Process" From the perspective of credit management, credit unions divide customers into ( ).

A. Individual customers;

B. Natural person customers;

C. Agricultural economic organization customers;

D. Enterprise customers client.

3. True or False Question (please fill in the judgment result in the brackets before the question, mark "√" if it is correct, and "×" if it is wrong. If it is wrong, please correct the error in the box below. Online, each question is worth 1.5 points, incorrect judgments are worth 0.5 points, correct corrections are worth 1 point, ***15 points)

Example question: In June 2002, the State Council issued the "Deepening of Questions." "Rural Credit Cooperative Reform Pilot Program", and selected 8 provinces including Zhejiang, Jilin, Jiangxi, Shandong, Sichuan, Shaanxi, Guizhou, and Jiangsu to carry out pilot projects to deepen the reform of rural credit cooperatives.

( Specifically organize and coordinate relevant departments to deal with sudden payment risks in rural credit cooperatives. ( )

2. After the reform, the supervision and management system of rural credit cooperatives will form a system in which "national macro-control and supervision are strengthened, provincial people's governments manage and implement responsibilities in accordance with the law, and credit cooperatives self-discipline and bear their own risks" overall framework.

( )

3. The relationship between the party in rural credit cooperatives can be managed systematically under the leadership of the provincial party committee, or it can be managed locally. The local party committee must strengthen the leadership of the party in rural credit cooperatives and do a good job in rural credit cooperatives. Ideological and political work of cadres and workers. ( )

4. Senior managers of provincial-level federations shall be recommended by relevant departments organized by the provincial people's government in accordance with relevant regulations, and shall be selected according to prescribed procedures after their qualifications are approved by the People's Bank of China. The provincial government is also responsible for daily management and assessment.

( )

5. There are 20 credit cooperatives in a county, 12 of which are insolvent, with the amount of insolvency being 1 million yuan, and 8 of which are insolvent. The amount of debt repayment is 400,000 yuan, and the amount of support funds the county should receive is 1 million yuan. The two qualified debt repayment cooperatives also enjoy the financial support policy. ( )

6. In terms of the central bank’s financial support method, reform pilot counties (cities) can implement “one county, two systems”, either through special borrowing or special bills. ( )

7. Rural credit cooperatives that implement a unified legal person system can apply for special central bank bills if their capital adequacy ratio reaches 4. ( )

8. Rural credit cooperatives and rural cooperative banks that are profitable in the current year shall strictly limit the dividend ratio when distributing cash dividends before fully making up for previous years' losses or the capital adequacy ratio does not meet the prescribed requirements. ( )

9. In principle, the withdrawal of investment shares should be processed after the financial settlement at the end of the year. If the withdrawal is processed before the financial settlement at the end of the year, no dividends will be paid for the current year. ( )

10. The term of the joint guarantee loan for farmers is determined based on the actual cycle of the borrower’s production and operation activities, and generally does not exceed five years. ( )

IV. Short answer questions (3 points each, ***15 points)

1. The significance of rural credit cooperatives unifying legal persons based on counties (cities) is What?

2. In simple terms, what is the purpose of the state’s policy support for rural credit cooperatives?

3. What two key issues need to be solved to deepen the reform of rural credit cooperatives?

4. Who can apply for loans from rural credit cooperatives?

5. How to deepen the reform of the property rights system of rural credit cooperatives?

5. Essay questions (the first question is 12 points, the second question is 13 points, ***25 points)

1. Please elaborate on the special bills and special loans** *Similarities and differences.

2. What are the guiding ideology and principles for deepening the pilot reform of rural credit cooperatives? Tell us how you personally support and promote the reform and development of Rugao Credit Cooperatives based on your position?

Competition Questions

1. Single-choice questions (this question has 20 questions, 1.5 points will be awarded for each correct answer)

1. The State Council convened in Beijing A symposium of leaders of pilot provincial (municipal) governments was held, and the pilot work of deepening the reform of rural credit cooperatives in 8 provinces (municipalities) was officially launched.

A. August 18, 2003 B. August 30, 2004

C. June 27, 2003 D. August 30, 2003

2. The first provincial-level cooperative established after the pilot program to deepen the reform of rural credit cooperatives was launched.

A. Zhejiang Provincial Associated Press B. Chongqing Municipal Associated Press

C. Jiangsu Provincial Associated Press D. Guizhou Provincial Associated Press

3. Deepening rural credit The first rural cooperative bank established after the launch of the social reform pilot was.

A. Zhejiang Yinzhou Rural Cooperative Bank B. Guizhou Huaxi Rural Cooperative Bank

C. Shandong Guangrao Rural Cooperative Bank D. Zhejiang Xiaoshan Rural Cooperative Bank

4. August 13, 2004, Jiangsu Wujiang Rural Commercial Bank was established. This was the first rural commercial bank established after the launch of the pilot program to deepen the reform of rural credit cooperatives, and the first rural commercial bank in the country.

A.2 B.3 C.4 D.5

5. The pilot work to deepen the reform of rural credit cooperatives will be organized and implemented in conjunction with relevant departments.

A. People's Bank of China b. Banking Regulatory Commission

C． Ministry of Finance D. The State Administration of Taxation

6. The "Work Plan for Deepening the Pilot Reform of Rural Credit Cooperatives" clearly assigns the responsibility for the management and risk disposal of rural credit cooperatives to the State Administration of Taxation.

A. State Council B. Banking Regulatory Commission C. Provincial People's Government D. People's Bank of China

7. From August 30 to 31, 2004, the State Council held a meeting in Beijing to deepen the reform of rural credit cooperatives. The pilot work meeting determined that Beijing and other provinces (autonomous regions and municipalities) will be listed as the second batch of reform pilot units on the basis of the original eight provinces (cities).

A. 20 B.21 C.22 D.23

8. In accordance with the relevant provisions of the "Bank Supervision Law of the People's Republic of China and the State Council", there is a risk that the capital adequacy ratio is lower than the principle of prudent operation. For rural credit cooperatives with hidden dangers, the China Banking Regulatory Commission should order them to make rectifications within a time limit.

A. 0 B.2 C.4 D.8

9. Rural commercial banks refer to

A. commercial banks located in rural areas

B. governed by It is a joint-stock local financial institution composed of local farmers, rural industrial and commercial households, corporate legal entities and other economic organizations.

C. Joint-stock bank

D. State-owned commercial bank composed of farmers as shareholders

10. The characteristics of the joint-stock system are "large share control, one share per share" "Invoice, commercial operation" is suitable for areas with developed market economy and high degree of commercialization. It is a kind of combination.

A. Labor B. Organization C. Capital D. Market

11. The total number of shares held by employees of a rural commercial bank shall not exceed the total share capital

A .20 B.25 C.30 D.35

12. The total shareholding of natural person shareholders other than employees of rural cooperative banks shall not be less than the total share capital

A.25 B. 30 C.35 D.40

13. The maximum investment by a single natural person in the unified legal person Rural Credit Cooperative shall not exceed the total share capital

A. Five thousandths B.5 C.20 D .25

14. The first batch of central bank special notes issuance, ***issued special central bank notes to 272 associated companies in 8 provinces (cities)

A.11.5 billion B .11.8 billion yuan C.11.9 billion yuan D.12 billion yuan

15. The amount of central bank support funds is determined based on 50% of the actual insolvency amount of rural credit cooperatives at the end of the year.

A. 2000 B. 2001 C. 2002 D. 2003

16. The non-performing loans replaced by special bills will be managed by.

A. People's Bank of China B. Rural Credit Cooperatives C. Banking Regulatory Commission D. Local Government

17. The maximum term of special loans provided by the central bank is years.

A.5 B.6 C.8 D.10

18. The capital adequacy ratio of rural credit cooperatives that implements a unified legal person system should reach the issuance rate of special bills of the central bank. condition.

A. 0 B.2 C.4 D.8

19. In terms of financial subsidies, the state will provide appropriate subsidies for the losses caused by overpaying the value-preserving subsidy and interest during the establishment of rural credit cooperatives.

A. 1990 to 1992 B. 1992 to 1996 C. 1994 to 1996 D. 1994 to 1997

20. Starting from January 1, 2003, all rural credit cooperatives in the deepening reform pilot areas will Business tax is levied at the rate.

A. 0 B.3 C.17 D.33

2. Multiple-choice questions (this question has 20 questions. Each question has at least two answers. 2.5 points will be awarded for each correct answer. Choose more questions and less questions. No points will be awarded for selecting)

21. Rural credit cooperatives are community-based local financial institutions composed of shares within their jurisdiction.

A. Farmers B. Individual industrial and commercial households

C. Small and medium-sized enterprises D. Party and government agencies E. Public institutions

22. Since 2003, the central government has clearly stated the overall requirements for the reform of rural credit cooperatives. Yes

A. Clarify the property rights relationship B. Strengthen the restraint mechanism C. Enhance service functions

D. Appropriate support from the state E. Local government responsibility

23. Deepen The pilot reform of rural credit cooperatives must adhere to principles.

A. Principles of serving “agriculture, rural areas and farmers”

B. The principle of adapting measures to local conditions and classifying guidance

C. Carry out reforms according to the development orientation of market economy

D. The principle of separation of government and enterprise

E. The principle of first easy and then difficult

24. The main contents of deepening the reform of rural credit cooperatives are

A. Reform the management system of credit cooperatives

B. Reform the property rights system of credit cooperatives

C. Improve corporate governance structure

D. The state provides appropriate policy support

E. Transform the operating mechanism and enhance service functions

25. After the reform, the overall framework of the supervision and management system of rural credit cooperatives is

A. National macro-management and strengthening supervision

B. Provincial governments manage and implement responsibilities in accordance with the law

C. Provincial-level cooperative industry self-discipline and strengthened management

D. Local governments assist in management and provide support

E. Credit cooperatives are self-disciplined and assume their own risks

26. The main functions performed by provincial-level cooperatives are

A. Guide employee training and education

B. Guide the prevention and disposal of financial risks in rural credit cooperatives

C. Review the credit business of county-level cooperatives

D. Free mobilization of funds from rural credit cooperatives

E. Guide electronic construction

27. In accordance with the principles, establish and improve the incentive and restraint mechanisms of rural credit cooperatives, effectively strengthen internal management, and prevent and control new risks.

A. Self-operated b. Self-discipline c. Independent reform D. Self-development e. At your own risk

28. The first batch of provinces and cities to implement pilot projects to deepen the reform of rural credit cooperatives are

A. Chongqing B. Anhui C. Beijing d. Shandong E. Shanxi

29. The following are the responsibilities of the provincial people's government in the supervision and management of rural credit cooperatives, the responsibilities of the China Banking Regulatory Commission, and the responsibilities of the People's Bank of China.

A. Daily management and assessment of the leadership team of provincial management agencies of rural credit cooperatives

B. Deal with the illegal and disciplinary behavior of the main persons in charge of provincial management agencies

C. Provide training to senior managers of provincial management agencies

D. Supervise and inspect the management regulations of the inter-bank bond market of rural credit cooperatives

E. Guide rural credit cooperatives to improve their corporate governance structures and improve their internal control systems

30. The main organizational forms of the property rights system reform of rural credit cooperatives are

A. Rural commercial bank b. Rural Cooperation Foundation c. Rural cooperative bank d. Unified legal person of the county association E. Credit cooperatives and county cooperatives are each legal persons

31. In terms of equity setting, the share capital of rural commercial banks is divided into:

A. Equivalent shares B. Same shares and same rights C. Difference Shares D. Same shares, same profits E. Same shares, different profits

32. The following conditions should be met to establish a rural commercial bank

A. There should be no less than 500 sponsors

B. There should be no less than 1,000 sponsors

C. The registered capital is not less than RMB 50 million, and the capital adequacy ratio reaches 8

D. The registered capital is not less than RMB 80 million, and the capital adequacy ratio reaches 10

E. Have a sound organizational structure and management system

33. For this reform pilot, there are options for central bank financial support

A. Special bills B． Refinancing to support agriculture C. Special loan D. Special bonds E. Reduce deposit reserves

34. Rural cooperative banks must meet the following requirements when applying to the People's Bank for payment of special bills

A. The capital adequacy ratio reaches 4

B. The capital adequacy ratio reaches 8

C. The ratio of non-performing loans has decreased by no less than 50% compared with the end of December 2002

D. The ratio of non-performing loans has decreased by no less than 25% compared with the end of December 2002

E. Book surplus is achieved after profits and losses are offset

35. Anyone who meets the conditions for buying shares in a financial institution can apply to become a member of a rural credit cooperative, rural cooperative bank or rural commercial bank in the place where his or her account is registered or registered. shareholder).

A. school b. natural person c. Other economic organizations D. hospital e. Enterprise legal person

36. The main items of the Rural Credit Cooperative’s legal person shares and member share financial certificates are

A. Legal person name B. Business license number C. Time of investment D. Amount of shares invested E. Name of legal representative

37. Rural credit cooperative members have preferential loans

A. Priority in obtaining loans under the same conditions B. Relax loan conditions C. Interest rates are appropriately favorable D. Simplify loan procedures E. Relax loan limits

38. Rural commercial banks’ shareholders’ meetings can exercise their powers

A. Develop a basic management system for rural commercial banks

B. Elect and replace directors

C. Review and approve the development plan of the rural commercial bank

D. Formulate a plan for increasing or reducing the registered capital of rural commercial banks

E. Formulate plans for the merger, division and dissolution of rural commercial banks

39. The general principles for supervision and management of rural credit cooperatives are

A. Separate government and enterprise and operate independently B. Clear responsibilities and clear division of labor C. Strengthen coordination and close cooperation D. Prudent supervision and sound operation E. Everyone takes their own responsibilities and operates in an orderly manner

40. The state’s support policies for rural credit cooperatives in expanding the scope of pilot areas include

A. From January 1, 2004 to the end of 2008, all rural credit cooperatives in the central and western regions participating in the pilot program will be exempted from corporate income tax

B. From January 1, 2004 to the end of 2006, all rural credit cooperatives in the central and western regions participating in the pilot program will be exempted from corporate income tax

C. Provide subsidies for value preservation and interest subsidy to rural credit cooperatives that suffered losses from 1994 to 1996

D. Starting from January 1, 2004, the business tax of rural credit cooperatives in pilot areas will be levied at a rate of 3%

E. Starting from January 1, 2004, rural credit cooperatives in pilot areas will be exempted from business tax

3. True or False Questions (this question has 10 questions, each correct answer is worth 2 points)

41. Provincial management agencies of rural credit cooperatives can choose from various forms such as provincial joint cooperatives, administrative bureaus, and associations. ( )

42. Entrusted by the State Council, the provincial people's government conducts an overall evaluation of the management of rural credit cooperatives and reports to the State Council. ( )

43. The provincial people’s government shall fully bear the responsibility for the management and risk disposal of rural credit cooperatives. ( )

44. The share capital of rural cooperative banks is divided into equal shares, with the same shares having the same rights and the same profits. ( )

45. Before the establishment of a rural cooperative bank, the total assets of the rural credit cooperatives within its jurisdiction must reach more than 1 billion yuan, and the non-performing loan ratio must be less than 15. ( )

46. If the non-performing loans exchanged for special bills are collected within the term of the bills, the amount of the special bills will not be reduced. ( )

47. When absorbing stock capital, rural credit cooperatives may appropriately promise to distribute dividends or pay interest on the stock capital. ( )

48. There are no conditions required for reforming rural credit cooperatives to obtain the first batch of 50-cent central bank special loans. ( )

49. After rural credit institutions are managed by provincial governments, government financial funds can directly invest in rural cooperative banks. ( )

50. In 2004, the State Council decided to designate 21 provinces, autonomous regions and municipalities including Beijing and Hainan as pilot areas for further deepening the reform of rural credit cooperatives. ( )

Phase test questions (4)

Reference answers

1. Definition of terms: (5 points for each question, ***20 points)

1. Supervision of rural credit cooperatives refers to a series of procedures in which financial regulatory authorities regulate and restrict rural credit cooperative institutions and their activities in accordance with relevant national financial laws, regulations and policies to promote their steady operation in accordance with the law. The general term for behavior is a continuous, complete and cyclic process consisting of relevant elements and links such as market access supervision, daily operation supervision, risk assessment, risk disposal and market exit.

2. Institutional access refers to the approval of the establishment of legal persons or branches of financial institutions based on legal standards.

3. Risk disposal means that financial regulatory authorities promptly take corresponding and step-by-step measures to deal with different risks and the severity of risks faced by financial institutions, including correction, rescue and market exit.

4. According to the Interim Regulations on Intermediary Business of Commercial Banks promulgated and implemented by the People's Bank of China on July 4, 2001 (hereinafter referred to as the "Interim Regulations"), the definition of intermediary business is: it does not constitute a commercial bank. On-balance sheet assets and on-balance sheet liabilities form the bank's non-interest income business.

2. Determine whether it is right or wrong, and explain the reasons: (6 points for each question, ***18 points)

1. Wrong. Financial innovation and financial supervision are in a relationship of unity of opposites. On the one hand, financial innovation avoids regulation, and financial regulation sometimes hinders financial innovation intentionally or unintentionally. On the other hand, the continuous development of financial innovation is conducive to the improvement of financial regulatory methods and efficiency, and if financial regulatory authorities take appropriate measures, they can also guide the deepening of financial innovation.

2. Correct. The risk level of traditional intermediary business is lower than that of credit business, but the risk level of some emerging intermediary businesses is even greater than that of credit business. (Reference textbook 264-270)

3. Error. Adequate capitalization of financial institutions is conducive to improving their safety. However, the capital charge rate of financial institutions is too high, which will increase the operating costs of financial institutions, which will undoubtedly reduce the profitability of financial institutions.

3. Brief description questions: (Each question is 8 points, ***24 points)

1. At present, the management level of rural credit cooperatives needs to be improved. First of all, in terms of business strategies, extensive scale expansion is still the main way for rural credit cooperatives to develop and grow. The idea of ????purely pursuing the establishment of more institutions and increasing the number of loans is widespread, and the business philosophy of "focusing on efficiency and quality" has not yet been truly formed. . Secondly, the internal control mechanism of rural credit cooperatives is not perfect, the "three checks" system for loans is not strictly implemented, loan risk monitoring is not in place, and loans are issued to related parties in violation of regulations, self-approval and self-loaning, loans beyond their authority, disguised lending of funds, and handling of violations. Issues such as discounting occur from time to time. The internal audit strength of credit cooperatives is weak and the audit is not in place. Some cooperatives do not pay attention to the role of audit supervision and do not deal with the detected violations of regulations or regulations adequately. Third, due to unclear property rights and imperfect corporate governance structures, some credit unions have a serious paternalistic management style of "one person, one pen, one mouth", which can easily lead to decision-making, operational errors and moral risks, leading to a decline in asset quality and Increase in cases. Fourth, the quality of personnel in rural credit cooperatives is uneven, and there are relatively few employees who are familiar with business and understand management, which has greatly affected the improvement of the operation and management level of rural credit cooperatives.

2. (1) Principle of supervision according to laws and regulations

(2) Principle of simultaneous internal and external supervision

(3) Combination of on-site inspection and off-site monitoring Principles

(4) Risk prevention principle

(5) Rescue principle that combines self-rescue and other-rescue

(6) Supervisory accountability principle

3. (1) Only by strengthening the supervision of intermediary business can we meet the needs of future development of commercial banks.

(2) Intermediary business itself also has risks, which requires regulatory authorities to strengthen supervision of intermediary business.

(3) Financial regulatory objectives require banking regulatory authorities to strengthen supervision of intermediary businesses.

(4) The internationalization of intermediary business supervision requires banking regulatory authorities to strengthen supervision.

IV. Comparative analysis questions: (each question is 10 points, ***20 points)

1. (1), do not use or do not use your own funds directly

p>

(2), carry out business by accepting customer entrustment

(3), obtain income in the form of charging fees

(4), have great freedom , poor transparency

(5), the risk level is lower than that of credit business

(For specific content, please refer to textbook 262-264)

2. (1) Supervision The duality of the subject.

For intermediary business applications that are subject to the filing system, commercial banks will be uniformly replied to with a "recording notice", which will be issued by the banking regulatory department with the official seal of the department. For intermediary business applications subject to the approval system, the banking regulatory authorities will still issue written approval to commercial banks.

2. Continuous supervision

After a commercial bank obtains market access rights and begins to operate intermediary business, the banking regulatory department shall continue to supervise the operation of the intermediary business that it has started. This includes the supervision of capital adequacy, business operations, management level, internal control mechanisms, risk management capabilities, profitability, compliance with laws and regulations, etc., that is, the implementation of prudential supervision. The content of prudential supervision mainly includes two aspects: compliance supervision and risk supervision. In terms of compliance supervision, my country's banking regulatory authorities mainly inspect the implementation of relevant national financial policies, laws and regulations by the institutions under investigation. Risk supervision emphasizes the soundness of commercial banks' business operations and the soundness of their operating mechanisms, focusing on commercial banks' capital adequacy, asset quality, liquidity, risk management capabilities, and management levels. Risk management is not only the focus of our supervision work, but also the weak point of our supervision.

3. Handling and market withdrawal of problematic banks

From the current regulatory framework in my country, there is no systematic and established approach. However, during the supervision and inspection process, the banking regulatory authorities found that commercial banks had the following situations: in the process of starting business, they violated national laws and regulations and endangered the interests of the country and the public; they deliberately evaded supervision and inspection by relevant regulatory authorities; and there was unfair competition. behavior; during business operations, operating procedures and internal control systems are not strictly implemented, and internal control is chaotic, resulting in serious risks and actual major financial losses; when the banking regulatory authorities determine that other situations need to be handled, etc., they may be punished in accordance with the "Commercial Bank Law" and " "Measures for the Punishment of Financial Illegal Acts", "Measures for the Administration of Qualifications of Senior Managers of Financial Institutions", "Management Regulations for Financial Institutions" and relevant laws and regulations to impose penalties. For particularly serious cases, the bank will be forced to suspend relevant intermediary business and revoke the corresponding departments, cancel the qualifications of senior managers with direct leadership responsibilities, etc.

(2) Main procedures and links of intermediary business supervision

1. Preliminary