2. According to the definition of personal finance business by CBRC, the product introduction and publicity conducted by commercial banks to sell savings deposit products and credit products do not belong to financial advisory services. (√)
4. BOC Wealth Management VIP Card is a debit card with "BOC Wealth Management" logo, which has the same service function as ordinary debit cards. (10)
6. The principle of knowledge marketing is that wealth management account managers make customers consciously accept the services provided by BOC on the basis of material enjoyment and knowledge improvement in the marketing process. (10)
8. Financial planning is a high-tech industry, and service attitude will not directly affect the level of financial services. (10)
10. The wealth management account manager is responsible for maintaining and managing customer relationships and implementing single-line contact with customers. (10)
12, tax minimization is usually an important motive and the only goal of estate planning. (10)
14. The calculation of compound interest is to take the sum of the principal and interest at the end of the previous period as the principal of the next period, and the principal amount of each period is the same when calculating. (10)
16. The preemptive right is the right given by a listed company to the holders of preferred shares to buy a certain number of shares of the company at a certain price in a certain time or period in the future. (10)
18. The business activities of commercial banks in the foreign exchange market include buying and selling on behalf of customers and self-supporting business. (√)
20. Swap foreign exchange transactions actually consist of two transactions with the same amount, opposite directions and the same delivery date. (10)
22. Intrinsic value is the difference between market price and option exercise price, and the difference between option value and intrinsic value is time value. (√)
24. The relationship between producer price index and domestic exchange rate trends is uncertain. The index is higher than expected, which may lead to an increase in exchange rate or a decrease in exchange rate. (√)
26. Euroyen refers to Japanese yen deposits deposited in European banks. (10)
28. The Standard & Poor's 500 Index has the greatest impact on the exchange rate of the US dollar. (10)
30. The Shanghai Gold Exchange is the primary gold market in China. (√)
32. Standard gold is the most important trading variety in the gold market, and its appearance is a sign of market maturity. (√)
34. The subject matter entrusted by a commercial bank must be the standard gold produced by eight gold smelting enterprises in China designated by the Shanghai Gold Exchange, or the gold in kind with good appearance issued by the commercial bank. (√)
36. Only insurable risks that meet certain conditions can be managed by insurance. (√)
38. The so-called important matters in insurance refer to all relevant circumstances that may affect whether a prudent insurer underwrites or not and determine the insurance premium rate. (√)
40. Generally speaking, insurance pays more attention to protection than investment appreciation. (√)
42. The payment of life-long death insurance benefits must be conditional on the death of the insured. If the insured is not dead, he can't get the insurance money. However, if the insured lives to 100, he can also receive life insurance money. (10)
44. The risk of investment-linked insurance is entirely borne by the insured, while the risk of dividend insurance is shared by the insured and the insurer. (√)
46. For those who have participated in social medical insurance, it is more cost-effective to take out subsidy insurance than expense insurance. (√)
48. A lower deductible may lead to insufficient compensation for major losses. (√)
50. Commodity securities are documents that prove the holder's right to use or own commodities. Obtaining these securities is equivalent to obtaining the ownership of these commodities, and the owner's ownership of the commodities represented by these securities is protected by law. (√)
52. The stock is an equity certificate representing the ownership of shares, and it represents capital security who demands some economic distribution rights. (√)
54.b shares are common shares listed overseas, denominated in foreign currency, subscribed and traded in foreign currency. (10)
56. The nature of bonds is a document of ownership, which reflects the creditor-debtor relationship between fundraisers and investors. (10)
58. At present, the bond market in China consists of the inter-bank bond market and the exchange bond market. (10)
60. The securities investment fund is a collection of securities investment methods with * * * returns and * * * risks. (√)
62. For ordinary standard houses owned by individual residents, the land value-added tax will be temporarily halved at the time of transfer. (10)
64. The direct object of futures trading is the futures contract, not the commodity itself. (√)
66. The greater the circulation of collections, the greater the world total. (10)
68. Personal tax planning is an important part of personal financial planning, and it is a low choice of tax burden within the scope permitted by law before tax obligation occurs. (√)
70. Individuals who purchase houses shall pay stamp duty by purchasing flowers, affixing decals and selling flowers. (√)
72. Subculture is made up of people with the same work experience, environment and values, including nationalities, races, religious beliefs and geographical regions. (10)
74. The financial management goal of "becoming a member of the middle class in 2007" put forward by customers does not meet the requirements of clarity and quantification. (√)
76. When communicating with export-oriented customers, be enthusiastic, listen more, establish informal relationships and avoid indifference. (√)
Second, multiple-choice questions:
1. Among the following domestic institutions _ _ _ _ _ _ D _ _ _ _ cannot provide financial services.
A. Fund companies
B, insurance companies
C, trust companies
D, law firm
3. The brand value of "BOC Wealth Management" is mainly reflected in _ _ _ _ _ C _ _ _ _
First, "customer-centered business philosophy and wisdom to create wealth business philosophy" two aspects.
B, "distinguished brand, global network, professional information, VIP service".
C, "century-old brand, global network, professional wisdom and distinguished service".
D, none of the above is correct
5. Which of the following options does not belong to the content of personal financial planning? ____B_____
I. Education investment planning
B, health planning
C, retirement planning
D, residential planning
7. People are likely to face some unexpected risks in their lives, which we call _ _ _ _ B _ _ _ _
I. Speculative risk
B, pure risk
C. Unexpected risks
D, unexpected risks
9. The statement that reflects the financial situation of an individual/family at a certain point in time is _ _ _ _ _ A _ _ _ _
A. Balance sheet
B. Income statement
C, cash flow statement
D, profit distribution table
1 1, the difference between simple interest and compound interest is _ _ _ _ d _ _ _.
A, the interest period of simple interest is always one year, and compound interest may be quarterly, monthly and daily.
B, simple interest calculation of monetary income has no present value and final value, compound interest has present value and final value.
C, simple interest belongs to the nominal interest rate, compound interest is the real interest rate.
D, simple interest is only calculated according to the original amount, and compound interest is calculated according to the principal and interest.
13, the investment principal is 200,000 yuan, and it will take about _ _ _ _ b _ _ _ years to make the principal reach 400,000 yuan under the condition of annual compound interest of 5.5%.
a、 14.4
b、 13.09
c、 13.5
d、 14.2 1
15, the error in the following formula is _ _ _ d _ _ _ _
I. Assets and liabilities = net assets
B the difference between the net assets at the beginning and the end of the period calculated at the market price = savings+unrealized capital gains or losses+asset appraisal appreciation (-asset appraisal impairment)
C. Final value of ordinary annuity = fixed amount per period ×[( 1+ interest rate) term-1]/ interest rate.
D compound interest present value = final value ×( 1+ interest rate) term
17. The following statement about annuity is true _ _ _ _ b _ _ _ _
A, the present value of ordinary annuity is greater than the advance annuity.
B, the present value of early annuity is greater than that of ordinary annuity.
C the final value of ordinary annuity is greater than the advance annuity.
D, a and c are all correct.
19. Among the following investment instruments, _ _ _ b _ _ is not a fixed-income investment instrument.
I. Bank deposits
B. Common stock
C. Corporate bonds
D. preferred stock
The pricing of 2 1. exchange rate can be divided into direct quotations and indirect pricing methods. Which pricing method does the following two quotations belong to? ____B_____
Exchange rate in London foreign exchange market: 1 = 1.7529 USD.
The foreign exchange rate quoted by China Bank is 100 HKD = 103.72 RMB.
I. Direct quotation and indirect quotation methods
B, indirect price method, direct quotation method
C. direct quotation, direct quotation
D, indirect price method, indirect price method
23. Under the direct pricing method and indirect pricing method, the meaning of exchange rate change is different, and the following options are incorrect: _ _ c _ _.
A, in the direct quotation, the rise of foreign exchange rate shows that foreign currency is valuable.
B in the direct quotation, the decline of foreign exchange rate indicates that a certain amount of local currency can be exchanged for more foreign currency.
C under the indirect pricing method, the foreign exchange rate drops, indicating that the amount of foreign currency convertible per unit local currency increases.
D. Under the indirect pricing method, the foreign exchange rate rises, indicating the appreciation of the local currency.
25. In the international foreign exchange market, GBP/USD =1.74221.7462, USD/CAD =1.1694/1.
A, GBP/CAD =2.0420/2.0443
B, GBP/CAD =2.0373/2.0490
C Canadian dollar/British pound = 1.4882/ 1.4898
D Canadian dollar/British pound = 1.4847/ 1.4932
27. Among the following statements about today's international foreign exchange market, the wrong one is _ _ _ _ b _ _ _.
A. The foreign exchange market is a completely competitive market with the most transparent information and the most rational laws.
B, the foreign exchange market system risk is small, which is the most suitable mature financial investment market for small and medium-sized investors in China.
C. The dollar, the yen and the euro are in a tripartite confrontation in the international foreign exchange market.
D the international foreign exchange market operates continuously for 24 hours, providing investors with an ideal investment place without time and space barriers.
29. The standard delivery date in spot trading refers to _ _ _ _ _ C.
I. Delivery on the same day after the transaction
B. delivery the next day after the transaction.
C. delivery on the second business day after the transaction.
D, one day agreed by both parties
3 1. In the following discussion about the forward exchange rate, the wrong one is _ _ _ _ _ d _ _ _ _
A, the currency with high interest rate shows discount, and the currency with low interest rate shows premium.
B, premium or discount is actually the difference between the two trading currencies' price difference loss or price difference surplus.
C, the yen interest rate is lower than the dollar interest rate, so the forward exchange rate of the dollar against the yen shows a discount.
D the forward exchange rate is equal to the spot exchange rate plus or minus the premium.
33. According to the exercise price of options, options can be divided into _ _ _ _ d _ _ _ _
I. Call options and put options
B. call options and put options
C. American options and European options
D. real options, virtual options and flat options
35. Investors buy call options because they expect the price of this financial asset to be _ _ _ _ _ _ _ in the near future.
First, rise
B, down
C, unchanged
D, both.
37._ _ _ _ C _ _ _ _ does not belong to the data reflecting economic prosperity from some industries.
First, durable goods orders
B, industrial production
C. Foreign exchange reserves
D. purchasing managers' index
39. In the long run, _ _ _ _ a _ _ is not included in the factors that affect the exchange rate trend.
A. Official intervention
B. Trade payment balance
C. Inflation rate
D, interest rate
4 1, "signal effect" _ _ d _ _.
A, it is a means for the central bank to influence the exchange rate changes in the foreign exchange market by inquiring about the exchange rate changes and issuing statements, so as to achieve the intervention effect.
B, it is a means of foreign exchange market intervention, and does not change the existing monetary policy.
C, sometimes it will fail
All of the above are correct.
46. The members of Shanghai Gold Exchange _ _ _ _ _ B _ _ can carry out self-operated and agency business and other approved businesses.
First, the comprehensive class
B, financial category
C, self-operated class
D. brokers who are prepared to buy and sell unlisted stocks
47 _ _ _ _ _ _ A _ _ _ members of Shanghai Gold Exchange can engage in self-management and agency business.
First, the comprehensive class
B, financial category
C, self-operated class
D. brokers who are prepared to buy and sell unlisted stocks
49. What is wrong in the following statement about the price of gold is _ _ _ _ d _ _ _ _.
A, the price of gold is inversely proportional to other competitive investment income.
B. When the international situation is tense, the price of gold will rise.
C generally speaking, the world economic situation is improving and the demand for gold jewelry is increasing, which will push up the price of gold.
D, the strength of the dollar will often push up the price of gold.
The actual gold content of 5 1 and 24K gold is _ _ _ _ _ B _ _ _ _
a、 100%
B, 99.99%
c、99.9%
d、99.5%
53. The applicant or the insured shall have legally recognized economic interests in _ _ _.
I. Insured accidents
B. Insurance liability
C. subject matter insured
D, insurance risk
54. According to the principle of insurable interest, we can't insure _ _ _ _ _ C _ _.
First, household appliances
B, rent someone else's house
C, Gong * * Square sculpture
D. owning real estate
55. In the life insurance contract, when the insured concludes the insurance contract for the benefit of others with his own life or body, the relationship among the insured, the insured and the beneficiary is _ _ _ _ _ D.
1. The applicant is the insured and the beneficiary.
B the applicant is not the insured, but the beneficiary is the person designated by him.
The applicant is the insured and the beneficiary is the person designated by the agent.
The applicant is the insured and the beneficiary is the person designated by the insured.
56. The boss of a private enterprise bought external injury insurance for employees in Pacific Life Insurance Company, and agreed that if employees died due to accidental injuries at work, they would pay death insurance money to their families. Among them, the insurer, the applicant, the insured and the beneficiary are C.
I. Private business owners, private business owners, employees and their families
B, employees' families, Pacific Life Insurance Company, employees and private business owners
Pacific Life Insurance Company, private business owners, employees and their families
D. Employees, private entrepreneurs, employees' families and employees' families
57. A person insured against personal accident was injured by a car on his way home and was taken to hospital. During his stay in hospital, he died of myocardial infarction. Then, the proximate cause of this fatal accident is _ _ _ _ B _ _ _ _.
Be knocked down by a car
B, myocardial infarction
C, was knocked down by a car and myocardial infarction
D, being knocked down by a car leads to myocardial infarction
58, someone insured a life-and-death old-age security and was diagnosed as sudden schizophrenia by the hospital. During the treatment, Wang's condition further deteriorated, and he was confused and manic all day long, and finally committed suicide. The proximate cause of this fatal accident is _ _ _ _.
First, schizophrenia
B. Suicide
Schizophrenia and suicide
D, suicide caused by schizophrenia
59. Regarding term life insurance, the following statement is incorrect: _ _ _ _ _ A _ _ _ _
Term life insurance, also known as term survival insurance, is the simplest life insurance.
B. If the insured of term life insurance still survives at the expiration of the insurance period, the insurance contract is terminated and the insurer has no obligation to pay.
C, term life insurance premiums are relatively low, and a small amount of premiums can get huge protection.
D term life insurance has no cash value and does not have the characteristics of saving.
60. Under the same coverage and insurance conditions, the premium of _ _ _ _ D _ _ is the lowest.
A. Annuity insurance
B. whole life insurance
C. Life insurance policy
D. Term life insurance
62, the insurer in determining the personal accident insurance rate is the most important factor to consider _ _ _ _ _ _ _.
A. Age
B. Gender
C. occupation
D, physique
63, in personal accident insurance, the cause of the accident must be accidental, unexpected and _ _ _ _ d..
I. Predictability
B, measurable
C, changeable
D, unforeseeable
64. In personal accident insurance, the insurer pays insurance benefits on the condition that the insured must suffer some consequences due to an objective accident, such as _ _ _ _ _ C _ _.
I. Death or disease
Illness or unemployment
C. Disability or death
D. Retirement or disability
65. The insurance amount of each policy of aviation accident insurance in China is _ _ _ _ D _ _ _ ten thousand yuan, and the insured can purchase _ _ _ _ _ at most.
a、 10； 10
b、20； 10
c、20； five
d、40； five
66, medical insurance does not include _ _ _ _ _ C ..
I. General medical insurance
B, accidental injury medical insurance
C. Maternity insurance
D, surgical medical insurance
67. Special disease insurance adopts _ _ _ _ payment method.
I. Quotas
B, fixed value
C. Reimbursement and reimbursement
D, in proportion
68. Double insurance in property insurance is applicable to _ _ _ _ _ B _ _ _ _
First, the principle of equal sharing
B, the principle of proportional sharing
C, the first compensation principle
D, the principle of sequential compensation
69. The classification of family property insurance does not include _ _ _ _ C _ _ _ _
One or two copies of family property insurance
B. Long-term debt repayment insurance
C. Personal stamp collection insurance
D, general family property insurance
70. Wang insured his property with a value of 65,438+10,000 yuan with a home insurance coverage of 50,000 yuan. During the insurance period, a fire broke out in the Wang family, resulting in a loss of 80,000 yuan in indoor property. Then the insurance company should compensate _ _ _ _ C _ _ _ _
I. 65,438+10,000 yuan
B, 80 thousand yuan
C. 50,000 yuan
D, 40,000 yuan
7 1. Which of the following persons belongs to the "third party" in the vehicle third party liability insurance? ____D_____
1. Vehicles of the insured and their family members contracted by private individuals and individuals, as well as their own or escrow property.
Passengers on this bus
C, insurance companies
D, killing pedestrians
72. According to the relevant provisions of motor vehicle insurance, the loss caused by the collision of goods carried in this vehicle belongs to _ _ _ _ _ C _ _ _ _.
A. exempting vehicles from third-party liability
B, vehicle third party liability underwriting
C. Exemption from vehicle loss insurance
D. underwriting of vehicle loss insurance
73. The characteristics of linked insurance do not include _ _ _ _ B _ _ _ _
First, it has the dual functions of security and investment and financial management.
B, have the lowest cash value.
C. the premium structure and capital flow are open and transparent.
D. The funds in the investment account are managed by the financial experts of the insurance company.
74. The life insurance that can pay insurance premiums at will and adjust the amount of death insurance benefits at will is _ _ _ _ D _ _ _.
A. Traditional life insurance
B. Dividend life insurance
C. Investment-linked life insurance
D, universal life insurance
75. If you go back on your word after insurance, you should go through the formalities of surrender in time, and the correct regulation related to this is _ _ _ _ _ _ _ _ _ _ _.
A,/kloc-You can apply for full surrender within 0/0 days, and you need to pay a certain penalty upon expiration.
B/kloc-within 0/0 days, you can apply for full surrender, but you need to pay the refund premium. If it expires, the premium paid will not be refunded except for the handling fee.
C. You can apply for full surrender during the 5-day repentance period, and you need to pay a certain penalty after the expiration.
D. You can apply for full surrender within the 30-day repentance period, but you need to pay the refund premium. After the expiration, the premium paid will not be refunded except the fees.
76, securities are all kinds of records and represent a certain right of _ _ _ _ _ b _ _.
I. Written documents
B, legal documents
C, income vouchers
D. Capital certificate
77. In a broad sense, marketable securities include _ _ _ _ A, currency securities and capital security.
A. stocks
B. Commodity securities
Voucher securities
D. Debt securities
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.