Dear candidates who are taking the Banking Professional Qualification Examination, we have carefully compiled the "2018 Junior Banking Qualification Personal Loan Test Questions: Types of Personal Loan Products" for your reference. I hope it can help you! Wish you the best! Good luck with your exam! For more information about the banking professional qualification examination, please continue to pay attention to the updates of this website!
2018 Junior Banking Qualification Personal Loan Questions: Types of Personal Loan Products
Questions on the types of personal loan products
24. Personal loan products can be divided into ( ) according to the purpose of the product. CE
A. Personal housing loan
B. Personal car loan
C. Personal consumption loan
D. Personal mortgage loan
E. Personal business loans
[Analysis] Personal loans can be divided into personal consumption loans and personal business loans according to product uses. Option AB is a type of personal consumption loan, while option D is a type classified according to the guarantee method.
25. The wrong statement about the purpose of personal loans is (). B
A. Personal loans can meet customers’ house purchase needs
B. Personal loans can meet customers’ land purchase needs
C. Personal loans can meet customers’ land purchase needs Travel needs
D. Personal loans can meet customers’ temporary capital turnover needs
26. The following are personal housing loans ( ). CD
A An individual purchases a shop
B An individual builds a house in the countryside
C An individual purchases a house in a town
D An individual makes major repairs to the house
E Personal rental shop
[Analysis] The error is in the red text.
27. Self-employed personal housing loans are not applicable to (). B
A. Individuals purchase housing in the county
B. Individuals rent commercial housing
C. Individuals build housing
D. Personal housing overhaul
Analysis: Item B personal rental of commercial housing is a personal business loan, not a self-employed personal housing loan.
28. According to product usage, personal loan products can be divided into ( ). ABC
A Personal housing loan
B Personal business loan
C Personal consumption loan
D Personal car loan
E Personal education loan
[Analysis] Personal loan products can be divided into personal housing loans, personal business loans, and personal consumption loans. Personal car loans and personal education loans are personal consumption loans.
29. Personal consumption loans include ( ). ABCD
A. Personal car loan
B. Personal education loan
C. Personal durable consumer goods loan
D. Personal consumption limit Loans
E. Personal housing loans
[Analysis] Personal consumption loans include: personal car loans, personal education loans, personal durable consumer goods loans, personal consumption credit loans, and personal travel consumption loans and personal medical loans. Personal housing loans are a category alongside personal consumption loans and personal business loans.
30. Which of the following statements about personal loan products is incorrect ( ).
D
A. Personal housing loan refers to the loan used by the borrower to purchase an ordinary house for self-use
B. Personal car loan refers to the loan used by the borrower to purchase a car
C. Personal consumption loans refer to loans used by borrowers for consumption
D. Personal car loans are not personal consumption loans
Analysis: Personal car loans belong to personal consumption loan.
31. Which of the following statements about personal consumption loans is incorrect ( ). A
A. Vehicles purchased with personal car loans can be divided into second-hand cars and commercial vehicles according to their uses
B. Personal education loans are divided into national student loans according to the nature of the loan. and commercial student loans
C. National student loans implement the principles of “fiscal interest discount, risk compensation, credit extension, earmarked funds and repayment on schedule”
D. Commercial student loans Implement the principle of "partial self-financing, effective guarantee, earmarked funds and repayment on schedule"
Analysis: Vehicles purchased with personal auto loans can be divided into self-use vehicles and commercial vehicles according to their purpose; according to their registration status, they can be divided into New and used cars. Therefore choose A.
32. Among the following situations, you can apply for a personal housing loan ( ). BCE
A. A real estate developer builds a person’s housing complex
B. An individual builds his or her own house
C. An individual overhauls the house
D. Individual renting a house E. Individual purchasing a second commercial house
[Analysis] Personal housing loans are loans granted to individuals who purchase, construct, renovate, and overhaul their own homes. Individuals who rent a house cannot apply for a personal housing loan. Item A: The real estate development company's development of real estate is a corporate behavior, not an individual behavior, and it should apply for a company loan.
33. Self-employed personal housing loans are not applicable to ( ). B
A. Individual purchase of housing in the county town
B. Individual rental of commercial housing
C. Individual overhaul of housing
D. Personally constructed housing
Analysis: Individual leasing of commercial housing is a personal business loan and is not a self-operated personal housing loan.
34. The following are personal housing loans ( ). CD
A An individual purchases a shop
B An individual builds a house in the countryside
C An individual purchases a house in a town
D An individual makes major repairs to the house
E Personal rental shop
[Analysis] Personal housing loan refers to a loan issued by the lender to the borrower for the purchase of an ordinary house for self-use. Personal housing loans include self-employed personal housing loans, provident fund personal housing loans and personal housing portfolio loans.
35. Among the following statements about personal housing loans, which one is wrong ( ). D
A. Refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for self-use
B. Self-operated housing loans are also called commercial personal housing loans
C. Provident fund personal housing loans are also called entrusted housing provident fund loans
D. Personal housing portfolio loans do not pursue profit and are a kind of policy loan
[Analysis] The provident fund personal housing loan is not for profit and implements a "low in, low out" interest rate policy. It is a policy-based personal housing loan. Personal housing portfolio loans mean that employees who have paid housing provident funds in full and on time can apply for provident fund personal housing loans and self-employed personal housing loans at the same time when purchasing, building or overhauling a house, thereby forming a specific personal housing loan portfolio.
36. Which of the following statements about personal housing loans is correct ( ).
D
A. Refers to the loans issued by the lender to the borrower for the purchase of self-occupied housing and other commercial properties
B. Mainly include self-employed personal housing loans and provident fund personal loans There are two types of housing loans
C. Self-operated personal housing loans are not for profit and implement a "low in, low out" interest rate policy
D. Provident fund personal housing loans are also called Entrusted housing provident fund loans
Analysis: Item B should be self-employed personal housing loans, provident fund personal housing loans and personal housing portfolio loans.
37. Regarding the existing types of personal loans in our country, which of the following statements is incorrect (). B
A. Existing personal business loans
B. No entrusted personal loans
C. Existing portfolio personal loans
D. Can meet individual needs in various aspects such as house purchase and car purchase
Analysis: At present, there are both self-operated personal loans and entrusted personal loans. An entrusted personal loan is a kind of loan in which a bank is entrusted by an organization or individual to issue the funds provided by them to designated objects according to their requirements. There are mainly financial entrusted loans or interbank entrusted lending. The bank is not responsible for the collection of entrusted loans and only charges handling fees.
38. Currently, there are no entrusted personal loans in the personal loan business of commercial banks. () Wrong
39. A personal loan that implements a not-for-profit interest rate policy of "low in, low out" is (). B
A. Personal travel consumption loan
B. Provident fund personal housing loan
C. Personal medical loan
D. Personal car Loans
Analysis: Provident fund personal housing loans are not for profit and implement a "low in, low out" interest rate policy, which has a strong policy nature.
40. ( ) It is not for profit and has a strong policy nature.
A. Self-operated personal housing loan
B. Personal business loan
C. Personal consumption limit loan
D. Provident fund Personal housing loans
Analysis: Provident fund personal housing loans are not for profit and implement a "low in, low out" interest rate policy, which has a strong policy nature and the loan amount is limited.
41. The vehicle purchased with a personal car loan must be the first car for personal use. (). ( ) ×
Analysis: It should be divided into new cars and used cars.
43. Second-hand cars refer to cars whose ownership has been changed from the completion of motor vehicle registration procedures to the prescribed scrappage period ( ) and the transfer procedures have been completed in accordance with the law. C
A. Before
B. Half a year ago
C. One year ago
D. Two years ago
Analysis: Second-hand cars refer to cars whose ownership has been changed and transferred in accordance with the law from the completion of motor vehicle registration procedures to one year before the prescribed scrap date.
44. Personal education loans are not eligible for (). B
A Current students
B Students who are about to enroll
C Immediate family members of current students
D Legal guardians of current students