One, multiple choice questions (this question ***20 small questions, correct answer 1 title 1.5 points)

1, the State Council held a symposium for heads of pilot provinces (cities) in Beijing, and the pilot work of deepening the reform of rural credit cooperatives in eight provinces (cities) was officially launched.

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

C. 27 June 2003 D. 30 August 2003

2. The first provincial association established after the pilot reform of rural credit cooperatives was started is.

A. Zhejiang Association B. Chongqing Association

C. Jiangsu Provincial Association D. Guizhou Provincial Association

3. The first rural cooperative bank was established after the pilot reform of rural credit cooperatives was started.

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

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

4. On August 13, 2004, Jiangsu Wujiang Rural Commercial Bank was established, which was the first rural commercial bank established after the pilot reform of rural credit cooperatives was started, and it was also the first rural commercial bank in China.

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

5. Deepening the pilot reform of rural credit cooperatives shall be organized and implemented jointly with relevant departments.

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

C. Ministry of Finance D. State Taxation Administration of The People's Republic of China

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

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

7. On August 30th to 3rd, 2004, the State Council held a meeting in Beijing to deepen the pilot reform of rural credit cooperatives, and decided to list Beijing and other provinces (autonomous regions and municipalities) as the second batch of pilot reform units on the basis of the original eight provinces (municipalities).

A．20 B.2 1 C.22 D.23

8. In accordance with the relevant provisions of the Law of the People's Republic of China on Banking Supervision and Administration, the CBRC shall order rural credit cooperatives that violate the principle of prudent operation and have lower capital adequacy ratio than those with potential risks to rectify 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. Local financial institutions with joint-stock system composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

C. joint-stock banks

D. state-owned commercial banks composed of farmers' shares.

10, the characteristics of the joint-stock system are "big share control, one share, one vote, commercial operation", which is suitable for areas with developed market economy and high degree of commercialization, and it is a new combination.

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

1 1, rural commercial bank, the total shareholding of its employees 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, unified legal person rural credit cooperatives, the maximum investment of a single natural person does not exceed the total share capital.

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

14, the first batch of special bills issued by the central bank, * * * issued special bills by the central bank to 272 cooperatives in 8 provinces (cities).

A.11500 million yuan B.11800 million yuan C.11900 million yuan D.12 billion yuan

15, the amount of funds supported by the central bank is approved according to 50% of the actual insolvent amount of rural credit cooperatives at the end of the year.

A.2000 B.200 1 year C.2002 D.2003

16. Non-performing loans replaced by special notes shall be managed by.

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

17. The longest 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 with a unified legal person system should be reached, so as to meet the issuance conditions of special bills of the central bank.

A．0 B.2% C.4% D.8%

19. In terms of financial subsidies, the state gives appropriate subsidies to the losses caused by overpaying the value-preserving savings during the period of opening rural credit cooperatives.

A.1990 ~1992 B. 1992~ 1996 C. 1994~ 1996 D.1994.

20. From 2003 1 month 1 day, the business tax of all rural credit cooperatives in the pilot areas of deepening reform will be levied at the new tax rate.

A．0 B.3% C. 17% D.33%

Second, multiple-choice questions (this question is ***20 small questions, and each question has at least two answers. If you answer correctly 1 question, you will get 2.5 points, and if you choose more questions, you will not get any points).

2 1, 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 organs E. Institutions

22, since 2003, the central government clearly put forward that the overall requirements for the reform of rural credit cooperatives are

A. Clarify the property right relationship B. Strengthen the restraint mechanism C. Enhance the service function

D. Appropriate state support E. Local governments are responsible for

23, deepen the pilot reform of rural credit cooperatives must adhere to the principle.

A. the principle of serving agriculture, countryside and farmers

B. the principle of classified guidance according to local conditions

C. Reform according to the development orientation of market economy

D. the principle of separating government from enterprises

E. the principle of easy before difficult

24, the main content of deepening the reform of rural credit cooperatives is

A. Reform the management system of credit cooperatives

B. Reform the property right system of credit cooperatives

C. Improving corporate governance structure

D. Appropriate policy support from the state

E. Transform the operating mechanism and enhance the service function.

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 according to law.

C. Self-discipline and strengthened management of provincial associations.

D. Local governments assist in management and provide support.

E. Credit cooperatives are self-disciplined and take risks at their own risk

26, the main functions performed by the provincial association are

A. Guide staff training and education

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

C. Review the credit business of county-level cooperatives.

D. Free mobilization of funds of rural credit cooperatives

E. Guide the electronic construction

27, according to the principle, establish and improve the incentive and restraint mechanism of rural credit cooperatives, strengthen internal management, prevent and control new risks.

A. Self-management B. Self-restraint C. Self-reform D. Self-development E. At your own risk

28, the first batch of provinces and cities to deepen the reform of rural credit cooperatives are

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

29. The following responsibilities belong to the provincial people's government in the supervision and management of rural credit cooperatives, to the CBRC and to the People's Bank.

A. Daily management and assessment of the leading bodies of provincial management institutions of rural credit cooperatives

B. Deal with the violations of laws and regulations of the principal responsible persons of provincial management institutions.

C. Training senior managers of provincial management institutions

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

E guide rural credit cooperatives to improve corporate governance structure and internal control system.

30. The main organizational forms of property right system reform of rural credit cooperatives are as follows

A. rural commercial bank B. rural cooperative foundation C. rural cooperative bank D. county union unified legal person E. credit cooperatives and county union are legal persons respectively

3 1, in terms of equity setting, the share capital of rural commercial banks is divided into

A. Equal shares B. Same shares and same rights C. Difference shares D. Same shares and same benefits E. Same shares and different benefits

32, the establishment of rural commercial banks should meet the following conditions

A. There shall be no less than 500 promoters.

B the number of promoters shall be no less than 1000.

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

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

E. having a sound organizational structure and management system.

33, the pilot reform, the central bank financial support to choose from.

A. Special notes B. Re-loans to support agriculture C. Special loans D. Special bonds E. Reducing deposit reserve

34, rural cooperative banks to the people's Bank of China to apply for payment of special bills must meet

A. The capital adequacy ratio reaches 4%

B. The capital adequacy ratio reaches 8%

C. The proportion of non-performing loans decreased by not less than 50% compared with the end of 20021February.

D the proportion of non-performing loans decreased by no less than 25% compared with that at the end of 20021February.

E. realize book surplus after break even.

35. Anyone who meets the conditions for becoming a shareholder in a financial institution may apply to become a member (shareholder) in the rural credit cooperatives, rural cooperative banks and rural commercial banks where his/her household registration is located or registered.

A. school B. natural person C. other economic organizations D. hospital E. enterprise legal person

36, the main items of the legal person share certificate of rural credit cooperatives are

A. Name of legal person B. Business license number C. Time of shareholding D. Amount of shareholding E. Name of legal representative

37, rural credit cooperatives members have preferential loans.

A. Give priority to obtaining loans under the same conditions. B. Relax the loan conditions. C. Appropriate interest rate concessions. D. Simplify the loan procedures. E. Relax the loan amount

38. The shareholders' meeting of rural commercial banks may exercise its functions and powers.

A. Formulate the basic management system of rural commercial banks

B. election and replacement of directors

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

D. Formulate plans for increasing or decreasing the registered capital of rural commercial banks.

E. To formulate plans for merger, division and dissolution of rural commercial banks.

39, the implementation of supervision and management of rural credit cooperatives is the general principle

A. separate government from enterprise and operate independently. B. clear responsibilities and clear division of labor. C. strengthen coordination and close cooperation. D. prudently supervise and operate steadily. E. perform their respective duties and operate orderly.

40, the state to expand the scope of the pilot areas of rural credit cooperatives to give support policies are

A from October, 2004 to the end of 2008, all rural credit cooperatives in the central and western regions participating in the pilot project will be exempted from enterprise income tax.

B from 2004 1 month 1 day to the end of 2006, all rural credit cooperatives in the central and western regions participating in the pilot project will be exempted from enterprise income tax.

C. Subsidize the rural credit cooperatives that lost money during 1994-1996.

D starting from 1 month/day, 2004, the business tax of rural credit cooperatives in the pilot areas will be levied at the rate of 3%.

E. From 2004 1 month 1 day, the rural credit cooperatives in the pilot areas will be exempted from business tax.

III. True or false (this question is *** 10, and the correct answer to 1 is 2 points)

4 1, the provincial management institutions of rural credit cooperatives can choose provincial associations, management bureaus, associations and other forms. （ ）

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

43, the provincial people's government fully assume 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 rights and interests. （ ）

45. Before the establishment of the rural cooperative bank, the total assets of the rural credit cooperatives within its jurisdiction must reach more than 10 billion yuan, and the proportion of non-performing loans must be below 15%. （ ）

46. If the non-performing loans replaced by special bills are collected within the bill period, the amount of special bills will not be deducted. （ ）

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

48, the reform of rural credit cooperatives to obtain the first batch of 50% of the amount of special loans from the central bank without any conditions. （ ）

49. After the rural credit cooperatives are managed by the provincial government, the government financial funds can be directly invested in rural cooperative banks. （ ）

50. In 2004, the State Council decided that 2 1 provinces, autonomous regions and municipalities such as Beijing and Hainan should be the pilot areas for further deepening the reform of rural credit cooperatives. （ ）