英语多选题.docx
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英语多选题
三大模块”题库（英语多项选择）
1.CAMELRatingSystemincludes：
A：
CapitaladequacyB：
Assetquality
C：
ManagementabilityD：
Earningperformance
E：
Liquidity
answer：
ABCDE
2.WhataretheseveralstepsofSavingsdeposits?
A,openanaccountB、depositmoneyC、transfermoney
D、settlementE、withdrawmoneyF、AccountClosingAnswer:
ABEF
4.Bank'sinternalauditdepartments（）periodicallyreviewtheratingsystemanditsbankingoperations,theprosecutiontrialincluded.
A、Operationofthecreditsector.
B、Probabilityofdefault.
C、LGD（lossgivendefault）.
D、Defaultriskexposure.
E、Expectedloss.答案：
ABCD
5.Thetypicalmeasuresofinternalcontrolincluded（:
BC）
B.
A.riskidentified
behaviorcontrol
C.assessmentandauthorizationD.InformationExchange
6.Thefollowingscanbeclassifiedasoff-balancesheetbusinessare:
（BCD）
A.DepositsB.TrustConsulting
C.L/CD.Agency
7.TheBaselCapitalAccord（BaselI）ismadeupofthreeelements,theyare:
（ABC）
A.adefinitionofregulatorycapitalB.risk-weightedassets
C.creditconversionfactors（CCFs）D.internalcontrolandaudit
8.Theriskexposureandassessmentdisclosuresrelateto（ABCD）
A.creditriskB.marketrisk
C.operationalriskD.interestrateriskinthebankingbook
10.Strongmobilitymanagement,includingkeyfactors：
（ABCD）
A.Goodmanagementinformationsystem
B.ControloftheCentralLiquidity
C.Optionsofthenetfundingrequirements
D.Diversificationoffinancingsources,andcontingencyplans
12.Whichofthefollowingsaretheproductsofcorporatedebts（ABCD）A.revolvingliquidityloanB.tradefinancingloan
C.corporateaccountoverdraftD.syndicatedloan
《商业银行主要业务》P38选择题第二题
13.Themethodsofissuingfinancialbondsinclude:
（AD）
A.throughmarketdistribution
B.throughagreement
C.throughleadcommercialbankunderwriting
D.throughdirectionaldistribution
《商业银行主要业务》P135选择题第一题
15.Themaincausesthatwouldleadtointernalcontrolfailureinclude（B、C、D）
A、poorexternalsupervisionandregulation;
B、lackofinternalsupervision;
C、disorderedcontrolstructure;
D、neglectingtherisksofnewbusiness.出处：
《银行监管实务》P253一、（五）
17.WhichthreemajorrisksofthefollowingaretheChinesebankinginstitutefacingatpresenttime?
（multiplechoices）
A.creditrisk
B.marketrisk
C.legalrisk
D.operationrisk
Answer:
ABD
20.Quantitativeandconsolidatedsupervision
concludes（Answer：
AB）
A.thesupervisionofinsidetransaction
B.capitalsupervision
C.thesupervisionofinterestconflicts
D.thesupervisionoffinancialsafetynetsfree-rider
22.ComponentRiskAssessmentcontains:
（Answer：
BCD）
A.report
B.InherentRisk
C.RiskControl
D.RiskinFuture
23.WhataretheapproachesformeasuringtheoperationriskproposedbytheBaselII:
（ABC）
A.Basicindicatorapproach
B.Standardizedapproach
C.Advancedmeasurementapproach
D.InternalRatingApproach
24.Loanguaranteesinclude（sABC）
A、Mortgage；B、Pledge；C、guarantee；D、
letterofcomfort
25.Whichkindofloanbelowbelongstothecategoryofcorporateloans?
（ABCD）
A、WorkingCapitalCircularLoansB、TradeFinancingloans
C、CorporateAccountOverdraftD、SyndicatedLoans
26.ThethreemainriskswhichChina'sbankingsectorisfacingare（ABD）.
A.Creditrisk;B.Marketrisk;C.legalrisk;D.operationalrisk.
29.Resultsofratingsystem,whichmustbeusedinbanks'dailyoperation,include__abcd
CInternalcapitallocationDCorporategovernance
30.Themajorinterestrateriskbanksfaceincludes;ABCD
AOptionriskBBenchmarkriskCYieldcurverisk
DRepricingrisk
31.Inoperationandmanagementofcommercialbanks,capitaldemandmanagementmainlyincludes__AB
AScalemanagementBStructuremanagement
CMaturitymanagementDDebtCapitalmanagement
32.Basedonthefundingsources,liabilitybusinessofcommercialbankscanbecategorized:
ABD
ADepositliabilityBBorrowingliability
CInter-banklendingliabilityD"Clearingliability"
33.Theimportantbankblankvoucherinclude:
ABCD
ACertificateofdepositBBankpassbook
CCheckDCreditcard（Letterofcredit）
34.Forcommercialbank,whichtwopartsdoestheoperatingrevenue
mainlyinclude?
AAssetRevenue
BRentalRevenue
CServiceRevenue
DBondRevenue
ANSWER：
AC
42.Riskassessmentinclude:
（BCD）
A,toknowaboutinstitutions
B,theriskmanagementcapabilities
C,therisklevel
D,thedevelopingdirectionofriskE,tocollectinformation
43.Factorsaffectingtheloanloss:
（ABC）
A,thecustomerbehaviorB,valueofcollateralC,abilityoftheguarantor
D,thebank'smanagementlevel
44.Theloanreviewshouldfocuson:
（ABCD）
A,LoanPurposeB,sourceofrepayment,C,assetconversioncycleD,therepaymentrecord
52.Non-performingloansincludes
A.substandard
B.doubtful
C.loss
D.pass
E.specialmention
答案：
ABC
（出自《银行监管实务》第二模块信用风险监管第六章不良贷款管理实践练习）
53.Accordingtotheriskprofile,gradestheloansinto5categories，namely.
A.pass
B.specialmention
C.substandard
D.doubtful
E.loss
答案：
ABCDE
（出自《银行监管实务》第二模块信用风险监管第六章不良贷款管理）
55.ThenewregulatoryconceptsofCBRCincludes
A.conductingconsolidatedsupervision
B.focusingonrisk-basedsupervision
C.strengtheningbanksinternalcontrols
D.enhancingtransparency
答案：
ABCD（出自《银行业监管理念监管文化》模块二中国银行业监管目标、理念和标准）
56.ThethreepillarsoftheNEWCapitalAccordinclude.
A.minimumcapitalrequirements
B.thesupervisoryreviewproess
C.marketdiscipline
D.creditrating
答案：
ABC（出自《银行监管实务》第五模块资本监管）
57.CommercialBankProfitabilityanalysisofbasicmethodsinclude:
A:
ComparativeAnalysis
B:
DifferenceAnalysis
C:
RatioAnalysis
D:
FactorAnalysis
Answer:
ACD
Question19,263inSelf-PracticesofBankingPractices
58.Commercialbankspreparefinancialstatementswhichshouldmeetthefollowingrequirements:
A:
Dataauthentic
B:
bindingofsimplebeauty
C:
comprehensiveandcomplete
D:
submittimelypreparationof
Answer:
ACD
Question19122inSelf-PracticesofBankingPractices
62.Amongthefollowingchoices,whichareusedformeasuringcreditrisk?
（b,c,d）
A.Theweightedmethod
B.Thestandardmethod
C.Theprimarymethodofinternalrating
D.Theseniormethodofinternalrating
63.Theequitycapitalofthebanksaremainlyusedfor（abcd）
A.providingpermanenceincomeresourcesforshareholdersandlastingcapitalresourcesforthebanks
B.undertakingrisksandadoptingloses
C.provingforthefoundationofbusinessdevelopment
D.guaranteeingthesoundandstablemanagementofthebanksfortheshareholders
66.Loanvouchis（ABC）
A、PledgeB、ImpawnC、GuaranteeD、Comfortletter
67.Internalcontrol'sgoal）is（abc
A、EnhanceworkperformanceB、Advanceauthenticityof
financialdata
C、Strengthencompliance&validityD、Ensurerealizationofworkgoal
68.Whatkindofmainriskexistsinloanacceptanceoperation?
abcA、PolicyriskB、Law®ulatoryrisk
C、BankingliquidityriskD、Marketrisk
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