1、英语多选题三大模块 ”题库 （英语多项选择）1. CAMEL Rating System includes：A：Capital adequacy B： Asset qualityC：Management ability D ： Earning performanceE：Liquidityanswer：ABCDE2. What are the several steps of Savings deposits?A,open an account B、 deposit money C、 transfer moneyD、 settlement E、 withdraw money F、Account
2、Closing Answer: ABEF4.Banks internal audit departments () periodically review the rating system and its banking operations, the prosecution trial included .A 、 Operation of the credit sector.B、 Probability of default.C、 LGD(loss given default).D、 Default risk exposure.E、 Expected loss. 答案： ABCD5.The
3、 typical measures of internal control included(: BC)B.A. risk identifiedbehavior controlC.assessment and authorization D. Information Exchange6.The followings can be classified as off-balance sheet business are: ( BCD )A.Deposits B. Trust ConsultingC.L/C D. Agency7.The Basel Capital Accord (Basel I)
4、 is made up of three elements, they are: (ABC)A.a definition of regulatory capital B. risk-weighted assetsC.credit conversion factors (CCFs) D. internal control and audit8.The risk exposure and assessment disclosures relate to (ABCD)A.credit risk B. market riskC.operational risk D. interest rate ris
5、k in the banking book10. Strong mobility management, including key factors：( ABCD )A.Good management information systemB.Control of the Central LiquidityC.Options of the net funding requirementsD.Diversification of financing sources, and contingency plans12. Which of the followings are the products
6、of corporate debts （ABCD） A .revolving liquidity loan B. trade financing loanC. corporate account overdraft D. syndicated loan商业银行主要业务 P38 选择题第二题13. The methods of issuing financial bonds include: （AD ）A.through market distributionB.through agreementC.through lead commercial bank underwritingD.throu
7、gh directional distribution商业银行主要业务 P135 选择题第一题15. The main causes that would lead to internal control failure include（B、 C、D）A 、 poor external supervision and regulation;B、 lack of internal supervision;C、 disordered control structure;D、 neglecting the risks of new business. 出处：银行监管实务 P253 一、（五）17.
8、Which three major risks of the following are the Chinese banking institute facing at present time? (multiple choices)A.credit riskB.market riskC.legal riskD.operation riskAnswer: A B D20. Quantitative and consolidated supervisionconcludes (Answer：AB )A.the supervision of inside transactionB.capital
9、supervisionC.the supervision of interest conflictsD.the supervision of financial safety nets free-rider22.Component Risk Assessment contains: (Answer：BCD)A.reportB.Inherent RiskC.Risk ControlD.Risk in Future23.What are the approaches for measuring the operation risk proposed by the Basel II: (ABC)A.
10、Basic indicator approachB.Standardized approachC.Advanced measurement approachD. Internal Rating Approach24.Loan guarantees include(s A B C )A 、Mortgage； B、Pledge； C、guarantee； D、letter of comfort25.Which kind of loan below belongs to the category of corporate loans? ( ABCD )A 、 Working Capital Circ
11、ular Loans B、Trade Financing loansC、Corporate Account Overdraft D、 Syndicated Loans26.The three main risks which Chinas banking sector is facing are(ABD ).A.Credit risk; B. Market risk; C. legal risk; D. operational risk.29.Results of rating system, which must be used in banks daily operation, inclu
12、de _abcdC Internal capital location D Corporate governance30.The major interest rate risk banks face includes; ABCDA Option risk B Benchmark risk C Yield curve riskD Repricing risk31.In operation and management of commercial banks, capital demand management mainly includes _ABA Scale management B St
13、ructure managementC Maturity management D Debt Capital management32.Based on the funding sources, liability business of commercial banks can be categorized: ABDA Deposit liability B Borrowing liabilityC Inter-bank lending liability D Clearing liability33.The important bank blank voucher include: ABC
14、DA Certificate of deposit B Bank passbookC Check D Credit card(Letter of credit)34.For commercial bank, which two parts does the operating revenuemainly include?A Asset RevenueB Rental RevenueC Service RevenueD Bond RevenueANSWER ：AC42.Risk assessment include: (BCD)A,to know about institutionsB,the
15、risk management capabilitiesC,the risk levelD,the developing direction of risk E, to collect information43.Factors affecting the loan loss: (ABC)A,the customer behavior B, value of collateral C, ability of the guarantorD, the banks management level44.The loan review should focus on : (ABCD)A,Loan Pu
16、rpose B, source of repayment, C, asset conversion cycle D, the repayment record52.Non-performing loans includesA.substandardB.doubtfulC.lossD.passE.special mention答案：A B C（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.According to the risk profile, grades the loans into 5 categories， namely .A.passB.spec
17、ial mentionC.substandardD.doubtfulE.loss答案： A B C D E（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.The new regulatory concepts of CBRC includesA. conducting consolidated supervisionB.focusing on risk-based supervisionC.strengthening banks internal controlsD.enhancing transparency答案：A B C D （出自银行业监管理念监管文化模块二 中
18、国银行 业监管目标、理念和标准）56.The three pillars of the NEW Capital Accord include .A.minimum capital requirementsB.the supervisory review proessC.market disciplineD.credit rating答案： A B C （出自银行监管实务第五模块 资本监管）57.Commercial Bank Profitability analysis of basic methods include: A: Comparative AnalysisB: Difference
19、 AnalysisC: Ratio AnalysisD: Factor AnalysisAnswer: ACDQuestion 19,263 inSelf-Practices of Banking Practices58.Commercial banks prepare financial statements which should meet the following requirements:A: Data authenticB: binding of simple beautyC: comprehensive and completeD: submit timely preparat
20、ion ofAnswer: ACDQuestion 19122 inSelf-Practices of Banking Practices62. Among the following choices, which are used for measuring credit risk? (b,c,d)A. The weighted methodB.The standard methodC.The primary method of internal ratingD.The senior method of internal rating63. The equity capital of the
21、 banks are mainly used for (abcd)A. providing permanence income resources for shareholders and lasting capital resources for the banksB.undertaking risks and adopting losesC.proving for the foundation of business developmentD.guaranteeing the sound and stablemanagement of the banks for the sharehold
22、ers66.Loan vouch is (ABC)A 、 Pledge B、Impawn C、Guarantee D、 Comfort letter67.Internal control s goal)is ( abcA、 Enhance work performance B 、 Advance authenticity offinancial dataC、Strengthen compliance & validity D、Ensure realization of work goal68.What kind of main risk exists in loan acceptance operation? abc A 、 Policy risk B、Law & regulatory riskC、 Banking liquidity risk D、Market risk
