农村信用社高级管理人员考试复习题（Examination questions of senior managers in rural credit cooperatives）.docVIP

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农村信用社高级管理人员考试复习题（Examination questions of senior managers in rural credit cooperatives）.doc

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农村信用社高级管理人员考试复习题（Examination questions of senior managers in rural credit cooperatives）

农村信用社高级管理人员考试复习题（Examination questions of senior managers in rural credit cooperatives） I. calculation questions 1, known assets of 20 million yuan, liabilities 15 million yuan, seek owners equity. Answer: owners equity = asset liability = 2000-1500=500 (10000 yuan). 2, a known amount of risk weighted assets of 496 million 710 thousand yuan, 30 million 270 thousand yuan core capital, supplementary capital of -14880 million yuan, non-performing loans 1 million yuan, 600 thousand yuan of funds for cooperative shares, capital adequacy ratio. Answer: net capital = core capital + subsidiary capital - Bad Loans - shares of union funds = 3027-14880-100-60= -12013 Capital adequacy ratio = net capital / weighted total amount of risk assets x100% =-1213/4967x100%= -24.18% 3, a known amount of risk weighted assets of 496 million 710 thousand yuan, 30 million 270 thousand yuan core capital, supplementary capital of -14880 million yuan, non-performing loans 1 million yuan, 600 thousand yuan of funds for cooperative shares, the core capital adequacy ratio. Answer: core capital adequacy ratio = core capital / weighted risk assets total x100% =-3027/49671x100%=-6.09% 4, known to all kinds of overdue loans 2 million yuan, all kinds of idle loans 10 million yuan, 800 thousand yuan of bad loans, the loan balance at the end of the period 10000, and the expected loss ratio of non-performing loans. Answer: bad loans is expected losses of overdue loans of various types of x10%+ = x40%+ all kinds of bad loans and bad loans (=200x10%+1000x40%+500=20+400+80=500 million) Expected loss ratio of non-performing loans = bad loan expected loss / loan balance x100%=500/10000x100%=20%. 5, known subordinated debt 10 million yuan, respectively, converted the remaining period of 4 years (including 4 years) and less than a year of the amount of subsidiary capital. Answer: the remaining period of 4 years (including 4 years) of the following =1000x100%=1000 (10000 yuan). The remaining period within one ye