Cai Dong Commercial Bank Management Online Operation -00 13

Total score of test paper: 100? Score: 100

First, multiple-choice questions (* * 10 questions, ***40 points)

The establishment of 1. 1897 in Shanghai () marked the emergence of modern banks in China.

A. Bank of Communications

B. Zhejiang Industrial Bank

C. China Commercial Bank

D. Beiyang Bank

2. A bank absorbs 1 million new deposits at an interest rate of 5%. The bank estimates that if the interest rate is 5.5%, it can raise 6,543,800+500,000 deposits, if the interest rate is 6%, it can raise 2 million yuan deposits, if the interest rate is 6.5%, it can raise 2.5 million deposits, and if the interest rate is 7%, it can raise 3 million deposits. The bank's loan yield is 8. When the deposit interest rate is (), the bank can get the maximum profit.

Five percent

B.6%

6.5%

D.7%

3. When the short-term liabilities of commercial banks support long-term assets, if the interest rate rises in the future, it will lead to net interest income ().

A. Improve

B. Reduce

C. unchanged

D. uncertainty

4. The principle of preparing the bank balance sheet is ().

A. assets = liabilities

B. Assets = owners' equity

C. Assets = liabilities+owners' equity

D. assets = total profits

5. The most important debt of China's commercial banks is ().

A. Deposits

B. Borrowing money

C. Capital

D. Issuing bonds

6. Suppose a bank's after-tax profit this year is 65.438+0 million yuan, total assets are 5 billion yuan, and total shareholders' equity is 3 billion yuan, then the return on net assets is ().

A: 0.02

B.0.03

C.0.04

D.0.05

7. The bank issued a loan of RMB 6,543,800+at an interest rate of 8%, requiring the borrower to deposit 654.38+00% in the bank, and the borrower's actual interest rate was ().

A: 7.56%

B.8%

Nine percent

D.8.89%

8. A bank's interest-sensitive assets in the next six months are 600 million yuan and its interest-sensitive liabilities are 500 million yuan, so the interest-sensitive gap is ().

A. 1 1

B. 1

C. 1.2

Cao30

9. The largest proportion of bank assets in China is ().

A. Cash

B. Loans

C. securities investment

D. Fixed assets

10. The indicator reflecting the profitability of enterprise unit assets is ().

A. Return on common stock

B. Return on assets

C. Profit rate of sales

D. Return on equity

Second, multiple-choice questions (* * 15 questions, ***60 points)

1 1. The liquidity of commercial banks refers to ().

A. Absorbing deposits

B. Issuing loans

C. meet the needs of depositors to withdraw their deposits at maturity.

D. Meet the loan needs of qualified lenders

12. The functions of bank mergers and acquisitions include ().

A. Expand the scale and occupy the market

B. Reduce costs and achieve economies of scale

C. Pursuing diversity

D. complement each other's advantages and achieve synergy.

13. When the market is favorable to the buyer, the buyer buys () options and obtains the right to buy a certain amount of foreign exchange at a specific execution price within the validity period of the option contract.

A. rude

B. optimistic

C. buy

D. sell

14. Indicators for evaluating bank security include ().

A. self-sufficiency rate of funds

B. Capital adequacy ratio

C. Return on assets

D. Return on capital

15. Interest rate-sensitive liabilities include ().

A. Money market borrowing

B. short-term deposits

C. Medium-and long-term variable interest rate deposits

D. time deposit

16. The commercial bank conducts an investigation after receiving the borrower's loan application. The contents of the survey mainly include ().

A. Investigation on the content of loan application, that is, investigation on the legality, safety and profitability of the loan.

B. Verify the collateral, pledge and guarantor, that is, identify and verify the borrower's collateral and pledge, and verify the property right certificate.

C. Review the qualifications of the guarantor, verify the business license and consult the relevant financial information of the guarantor.

D review the authenticity of the guarantor's letter of intent and the guarantor's guarantee ability.

E. inspect the development prospect of the lender's industry.

17. When analyzing the borrower's accounts receivable, the focus of the analysis is ().

A. Age

B. Is there any offset?

C. Object distribution

D. Total accounts receivable

18. The following are the sources of bank liquidity supply ().

A. Customer deposits

B. Customer repays the loan

C. repayment of money market loans

D. Operating expenses

19. From the perspective of commercial bank management, which of the following aspects should be used to determine the reasonable scale of deposits ().

A. The availability of its loans and investments, and the bearing range of the cost and expense burden of managing deposits should be limited.

B) The criterion should be the extent to which the deposit funds are actually used to meet the demand for assets such as loans and investments.

C the structure of deposits should meet the needs of the bank's asset business structure, which can not only appropriately reduce costs, but also meet the needs of customers' diversified services.

D compare the marginal cost with the marginal revenue, and control it within the range that the marginal cost is less than the marginal revenue.

20. The characteristic of credit loan is ().

A. Take the borrower's credit and future cash flow as repayment guarantee.

B. High risk

C. Higher interest rates

D. Simple procedures

2 1. Loss reserve is mainly divided into ().

A. Deposit loss reserve

B. Loan loss reserve

C. Reserve for interbank lending losses

D. Securities loss reserve

22. The meaning of capital adequacy ratio is ().

A. The more capital, the better

B. Adequate capital

C. Reasonable capital composition

D. the optimal capital can be accurately calculated.

23. The cash assets of commercial banks include ().

A. Cash on hand

B. Money in the collection

C. Interbank deposits

D. Deposits with the Central Bank

24. Compared with other loan methods, the feature of bill discount is ().

A. it takes the holder as the direct object of the loan.

B it takes the credit of the bill acceptor as the repayment guarantee.

It takes the remaining term of the bill as the loan term.

D. Methods of realizing interest received in advance

25. The following statement about the warranty period is correct ().

A. The guarantee period is the effective period for the guarantor to undertake the guarantee responsibility.

B. Guarantee period includes legal guarantee period and agreed guarantee period.

C the legal guarantee period is within 6 months after the loan principal expires.

D. the agreed guarantee period is superior to the legal guarantee period.