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信用社综合试题及答案(Credit cooperatives comprehensive examination questions and answers)
信用社综合试题及答案(Credit cooperatives comprehensive examination questions and answers)
Credit cooperatives comprehensive questions and answers (2009-08-31 16:10:19) on the label:
1. The maximum duration of validity of a temporary deposit account is three years. (x) two years
2, the interest bearing date of the current account is June 30th each year. (*) 20 days at the end of each quarter.
3, intermediary business: refers to the form of assets not included in the table, responsible for the formation of non interest income business.
4, the sources of funds of rural credit cooperatives include capital, deposits, financing and other three parts of the financial market.
5, rural credit cooperatives credit management principles: security, liquidity, profitability.
6, the basic principles of integrated asset liability management are as follows: (ABCD)
A, scale symmetry principle B, structure symmetry principle C, repay symmetry principle, D target symmetry principle
7, the assets with a risk weight of 10% are: (BCD)
A, deposit B funds, deposit other interbank funds, C, transfer funds, D, dismantle banks, E, and deposit Agricultural Bank funds
In 8, the loan quality index, overdue loan ratio does not exceed (B), sluggish loan ratio does not exceed (), bad debt ratio does not exceed ().
A, 5%, 8%, 2%B, 8%, 5%, 2%, C, 8%, 2%, 5%, D, 5%, 2%,, 8%.
9, according to the loan method is divided into (ABCDE)
A, credit loans, B, guarantee loans, C, mortgage loans, D, pledge loans, E, bills discounting loans
10, the content of the loan management responsibility system:
(1) implement the system of director responsibility
(2) the lenders at all levels shall establish a loan review committee, headed by the director and the relevant department heads, to be responsible for the examination of the loan
(3) establish a large separate system
(4) establishing a graded approval system for loans
(5) establish and improve the system of post responsibility for credit work
(6) the establishment of post audi
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