There is too much content. You search for the Law of People's Republic of China (PRC) Commercial Bank in your library. The basic rules of loans and other businesses in Chapter IV have detailed contents.

2. Can I borrow the professional training certificate of bank card practitioners? What are its uses and advantages?

If you plan to take two exams of the bank qualification examination for a long time in the future, one will be required and the other will be selected according to your own specific situation. 1. Basic subjects of banking qualification examination (required): Banking practitioners who pass the public basic subject examination and certificate examination will obtain public basic certificates. 2. Professional subject of banking qualification examination (optional examination): You can choose one or more subjects of personal finance, risk management, corporate credit and personal loan to apply for the examination, and the banking practitioners who pass the professional subject examination and assessment will obtain the corresponding single-subject professional qualification certificate. Second, the difficulty of the bank qualification examination subjects The difficulty of the five examination subjects is not very high, because they are all computer tests, and they are all multiple-choice questions and multiple-choice judgment questions, and there are no subjective questions and answers. Difficulty level: You can choose either personal finance or risk management. With regard to the order of difficulty, the common bank exams are public foundation (public foundation is a compulsory subject) and personal finance, which are relatively low in difficulty. Others, such as risk management, personal loans and corporate credit, are slightly more difficult. Three. 20 16 banking examination outline-(laws and regulations and comprehensive ability personal finance) ●2065 438+06 banking qualification examination outline-banking laws and regulations and comprehensive ability (elementary) ● Through the undergraduate purpose examination, the ability of candidates to analyze and judge problems and handle basic business by using banking basic knowledge, banking-related laws and regulations, basic standards and professional ethics of banking practitioners is examined. The first part is the economic and financial foundation. Basic Economics (1) Familiar with the goal of macroeconomic development, the main characteristics of economic cycle, the composition of economic structure and its influence on commercial banks; (two) to understand the methods of industry classification and the basic contents of industry analysis in China; (3) Grasp the content and key points of regional development analysis. Second, the financial foundation (1) grasps the essence of money, the influencing factors of money supply and demand, and the basic contents of inflation and deflation; (two) familiar with the content, objectives, principles and transmission mechanism of monetary policy; (three) to understand and master the contents of interest and interest rates, as well as the process of interest rate marketization in China; (4) Grasp the basic contents of foreign exchange and exchange rate, the factors affecting exchange rate changes and the process of RMB internationalization. Third, the financial market (1) understand the content, characteristics and classification of the financial market; (two) to master the characteristics and types of financial instruments; (3) Understand and be familiar with the classification and functions of central banks, financial regulatory agencies, financial institutions and self-regulatory organizations; (four) to master the basic business, functions and operating characteristics of financial institutions. Fourth, the banking system (1) Understand the origin and development of banks; (two) familiar with the classification and functions of banks in China. The second part is banking business. Liability business (1) grasps and applies the types, characteristics and operating rules of deposit business; (2) To master and apply the types, characteristics and operating rules of non-deposit business. Two. Asset business (1) grasps and applies the types, specific varieties, characteristics, processes and management requirements of loan business; (2) Be familiar with and master the types, contents and characteristics of off-balance sheet assets business. Iii. Intermediate business (1) Master the types, contents and characteristics of intermediate business; (2) Mastering and applying the business rules and management requirements of payment and settlement business, collection and payment on behalf of others, agency business, asset custody business, custody business, consulting business and bank card business. Fourth, wealth management business (1) master the content of wealth management business, the classification and characteristics of wealth management products; (2) Master the sales management requirements of wealth management products. The third part is bank management. Bank Management Foundation (1) Master the organizational structure and management mechanism of commercial banks; (two) familiar with the organizational structure, characteristics, models and development trends of Chinese and Western commercial banks; (3) Master and skillfully use the meaning and calculation method of basic indicators of bank management. Two. Corporate Governance and Internal Control (1) Familiar with and master the main contents of bank corporate governance; (2) Mastering the objectives, principles, measures and main contents of the Bank's internal control system; (3) Understand and master the main contents of compliance management. Three. Asset and liability management of commercial banks (1) Familiar with the objects of asset and liability management; (2) Be familiar with and master the main contents and strategies of asset-liability management. Fourth, capital management (1) grasps the types and functions of capital; (two) familiar with the international regulatory standards of capital management, master the regulatory requirements of China. V. Risk management (1) Grasp the connotation and classification of risks; (2) Mastering the organizational structure and main processes of risk management; (3) Mastering and applying the classification and control methods of credit risk, market risk, operational risk and liquidity risk. The fourth part is the legal basis of banking business. Basic laws and regulations of banks (1) Familiar with the statutory duties, legal tender units and prohibitive provisions of the People's Bank of China; (2) Be familiar with the scope of application of the Banking Supervision Law, the institutional setup of the CBRC, and the specific contents of its supervisory duties and measures. (3) Mastering and applying the business scope, operating principles, organizational structure and deposit and loan business of commercial banks; (4) Understand the meaning, process, methods, anti-regulatory institutions and responsibilities of commercial banks, and be familiar with the anti-regulatory obligations of commercial banks. Second, the civil legal system (1) understand and master the basic principles of civil law, civil subjects, civil legal acts and basic legal rules of agency; (two) to understand and master the basic principles and characteristics of real rights, the types of guarantees and the corresponding legal rules; (three) to master the basic legal rules of contract conclusion, validity, change, transfer, termination and liability for breach of contract; (four) to master the legal system related to banking business in the marriage law and inheritance law. Third, the commercial legal system (1) grasps the basic legal rules of company classification, company establishment, company organization and company termination; (two) familiar with and master the characteristics of the trust, the nature of the trust property, and the basic legal rules for the change and termination of the trust; (three) familiar with and master the characteristics and functions of bills, bill behavior, bill rights and the basic legal rules of bill loss relief. Fourth, the criminal legal system (1) Understand the basic principles of criminal law, the composition of crimes and the basic legal rules of punishment; (two) to master the types of financial crimes and the corresponding elements. The fifth part is banking supervision and self-discipline. Banking supervision system (1) Understand the origin and evolution of banking supervision; (two) to master the framework, structure and characteristics of China's banking supervision. Second, bank self-discipline and market restraint (1) Understand the purpose and objectives of China's bank self-discipline organization; (two) to master the purpose and scope of application of professional ethics; (three) to master the contents and relevant provisions of professional standards and professional ethics. ●20 16 Banking Examination Outline-Personal Finance ● Through the examination of this subject, test the candidates' mastery of basic knowledge and skills of personal finance, including the application of professional knowledge and skills such as financial investment market, financial products and financial business management; Test candidates' mastery of laws and regulations related to personal financial services, customer classification and demand analysis, and financial calculation tools. , comprehensive use of the knowledge and skills of this discipline, do a good job in personal financial services legally and legally. Examination content 1. Personal Finance Overview (1) Familiar with personal finance business related subjects; (2) Understand the classification of personal financial services of banks; (three) to understand the development and present situation of personal finance business at home and abroad; (four) to understand the team status and professional characteristics of financial planners; (five) master the qualification requirements of financial planners; (six) master the standards of qualified financial planners and the social responsibility of financial planners. Second, personal finance business related laws and regulations (1) familiar with China's legal system; (two) familiar with the provisions of the General Principles of the Civil Law and the Contract Law related to personal finance business; (3) Master the provisions related to personal financial management in Property Law and Marriage Law; (4) Being familiar with the provisions related to personal financial services in the Law on Sole proprietorship enterprises and the Law on Partnership Enterprises; (5) Familiar with laws and regulations related to wealth management products and sales of commercial banks. Three. Overview of financial investment market (1) Grasp the characteristics, functions and classification of financial market; (two) master the money market and its application in personal finance; (3) Mastering the bond market and its application in personal finance; (four) master the stock market and its application in personal finance; (five) to master the financial derivatives market and its application in personal finance; (six) master the foreign exchange market and its application in personal finance; (seven) to master the insurance market and its application in personal finance; (eight) familiar with the application of alternative investment products in the personal finance market. Four. Overview of wealth management products (1) Familiar with the element types, classification and characteristics of bank wealth management products; (2) Master the classification and characteristics of funds; (3) Grasp the classification and characteristics of insurance products; (four) to master the classification and characteristics of national debt; (5) Mastering the classification and characteristics of trust products; (six) familiar with the classification and characteristics of precious metal products; (seven) to understand the asset management plan of the securities company; (8) Familiar with financial products such as stocks, private debt of small and medium-sized enterprises, products of fund subsidiaries and partnership private equity funds. V. Customer Classification and Demand Analysis (1) Be familiar with the importance and main contents of financial planners' understanding of customers; (2) Familiar with different customer classification methods; (three) to master the life cycle theory and its relationship with customer demand; (4) Mastering the methods of financial planners to know customers. Intransitive verb financial planning calculation tools and methods (1) Familiar with the time value of money and its influencing factors; (two) to master the basic parameters of the time value, present value and final value of money, the 72 rule and the calculation method and application of effective interest rate; (three) master the calculation method and application of regular cash flow and irregular cash flow; (four) master the calculation method and application of compound interest and annuity coefficient table; (5) Understand the use of financial calculators and be good at financial planning; (six) to understand the characteristics and comparison of different financial management tools; (seven) familiar with the use of time value of funds in financial planning. VII. Workflow and Methods of Financial Planners (1) Master the basic steps of the workflow of financial planners; (2) Master the key points of contacting customers and gaining their trust; (3) Understand the relevant information that financial planners should inform customers; (four) to understand the mentality and skills when understanding customer information; (five) to understand the relevant contents, principles and key points of steps to determine customer objectives; (six) to master the contents of the customer's financial plan and the main points when submitting the financial plan; (seven) to understand the principles and matters needing attention in the implementation of the financial plan; (eight) to master the relevant points of customer file management; (9) Understand the necessity and relevant points of follow-up service; (ten) to understand the key points of the implementation plan and evaluation service; (eleven) to understand the main points of irregular evaluation and program adjustment; (twelve) understand the spiral path from tracking service to comprehensive planning. VIII. Financial Services Skills of Financial Planners (1) Understand the business etiquette and communication skills of financial planners; (two) familiar with the methods and importance of work plan and time management; (3) Understand the skills of telephone communication; (4) Understand the process and wording of recommending financial products and services. Nine. Other laws and regulations related to personal financial services Familiar with laws and regulations related to personal financial services: (1) Relevant laws: General Principles of Civil Law of People's Republic of China (PRC), Contract Law of People's Republic of China (PRC), Law of People's Republic of China (PRC) Commercial Bank, Banking Supervision Law of the People's Republic of China, Securities Law of People's Republic of China (PRC) and China. (2) Relevant administrative regulations: Regulations of People's Republic of China (PRC) Municipality on the Administration of Foreign Banks and Futures Trading; (3) Provisions and explanations of relevant departments: Interim Measures for the Administration of Overseas Financial Management by Commercial Banks, Interim Measures for the Administration of Sales of Securities Investment Funds, Interim Measures for the Administration of Concurrent Insurance Agents, Notice on Regulating the Insurance Agency Business of Banks, Measures for the Administration of Personal Foreign Exchange, Detailed Rules for the Implementation of the Measures for the Administration of Personal Foreign Exchange, etc. I hope it helps you ~ ~

3. What are the basic rules of commercial bank loan business?

I don't understand. All loans are based on the general principles of loans.

4. What are the loan business rules of commercial banks?

Commercial bank loan business rules: loan granting procedure rules:

1. Application and approval of loan.

2. Evaluate the credit rating of the borrower.

3. Loan survey.

4. Risk assessment and loan approval.

5. Sign a loan contract.

6. Loan issuance. The loan funds with a single amount exceeding 5% of the total investment of the project or exceeding 5 million yuan shall be paid by the lender's entrustment.

7. Post-loan inspection.

8. Loan repayment. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on time.

Loan term rules:

1. Setting of loan term. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bills shall not exceed 6 months, from the discount date to the maturity date of bills.

2. Loan extension: the cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period, and the cumulative extension period of long-term loans shall not exceed 3 years. Loan interest rate rules:

1. Determination of loan interest rate. The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

2. Collection of loan interest. The method of interest calculation and settlement for RMB loans (excluding individual housing loans) shall be determined by both borrowers and borrowers through consultation. The medium and long-term loan interest rate of RMB is determined by the borrower and the borrower according to the market principle, which can be adjusted monthly, quarterly and annually during the contract period, or can be determined by fixed interest rate; The loan interest rate of more than 5 years shall be determined by the lender with reference to the loan interest rate of more than 5 years published by the People's Bank of China.

3. Loan discount. According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments can subsidize the loan interest. Loans subsidized by relevant departments shall be independently audited and issued by the undertaking bank, and strictly managed according to relevant regulations.

4. Suspension, reduction, deferment and exemption of loans: Except as decided by the State Council, no unit or individual has the right to decide the suspension, reduction, deferment and exemption of loans.