作者：sid

实践：民生私行思与行
1:资管新规要求银行打破刚性兑付，资管产品全部实现净值化管理。
[‘正确’, ‘错误’]
答案：[‘1’]

实践：民生私行思与行
2:目前，银行资管是以全市场配置见长的资产管理模式。
[‘正确’, ‘错误’]
答案：[‘1’]

实践：民生私行思与行
3:智能投顾机器人可以对客户进行行为分析，主动交互给出资产配置建议，并引导客户完成线上自助交易。
[‘正确’, ‘错误’]
答案：[‘1’]

投资策略
1:资管新规规定，禁止资金池运作，禁止期限错配。
[‘正确’, ‘错误’]
答案：[‘1’]

投资策略
2:资管新规规定，银行要打破刚兑，因此任何资管产品均存在损失的可能。
[‘正确’, ‘错误’]
答案：[‘1’]

投资策略
3:资管新规规定，资管产品要去通道去嵌套，每个资管产品只能嵌套一层。
[‘正确’, ‘错误’]
答案：[‘1’]

信用卡精准营销
1:信用卡营销中重视定位目标客户的原因是以下哪项？（ ）
[‘信用卡产品特点的要求’, ‘减少无效劳动，提高营销效率’, ‘提供差异化的服务项目’, ‘以上选项都对’]
答案：[‘4’]

信用卡精准营销
2:信用卡营销模式网络化的目的是以下哪项？（ ）
[‘信用卡人工销售的补充’, ‘提高发卡效率，成为主流销售方式’, ‘仅限于PC终端才称为营销模式网络化’, ‘与线下合作发行联名卡也是网络营销的一种方式’]
答案：[‘2’]

信用卡精准营销
3:信用卡产品窄众化的概念是以下哪项？（ ）
[‘信用卡产品细分化，因此信用卡细分产品趋向于满足小众用户群体需求’, ‘信用卡办卡的人越来越少，年龄也越来越小’, ‘信用卡产品应该满足用户的所有消费需求’, ‘信用卡产品以自我为准，不用考虑用户需要’]
答案：[‘1’]

茶与养生
1:六大茶类的分类依据是什么？（ ）
[‘茶树品种’, ‘生长地区’, ‘采摘时间’, ‘加工工艺’]
答案：[‘4’]

茶与养生
2:泡茶三要素是什么？（ ）
[‘置茶量、水温、浸泡时间’, ‘茶具、环境构成、个人喜好’, ‘品种、水温、茶水比例’, ‘季节、品种、茶具’]
答案：[‘1’]

茶与养生
3:茶叶中具有降血脂、降血糖、降血压药理作用的是什么成分？（ ）
[‘氨基酸’, ‘咖啡碱 ‘, ‘茶多酚 ‘, ‘维生素’]
答案：[‘3’]

营业网点创优创新创意点
1:进行网点创优的作用主要包括（ ）。
[‘提升品牌形象和竞争力’, ‘提高网点客户服务水平’, ‘改善网点营业环境’, ‘现代化银行网点智能化服务的新感受’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

营业网点创优创新创意点
2:以下属于创优后续工作的是（ ）。
[‘投入充足的创优经费，通盘权衡，把经费用在刀刃上，有限经费内创优效果最大化’, ‘服务优化（晨夕会、服务流程、营销流程、三语服务）’, ‘创优迎检指导（迎检路线、迎检内容、迎检会务、迎检应对、知识问答）’, ‘自媒体传播、传统媒体和新媒体传播，以良好的社会反响带动口碑宣传’]
答案：[‘4’]

保险及保险业务
1:Each person pays small monthly fee called （ ） to insurance company to protect against
financial loss and he or she is paid a specific amount of money by insurance
company in return, should a specific incident occur.
[‘premium’, ‘money ‘, ‘expenditure’, ‘discount ‘]
答案：[‘1’]

保险及保险业务
2:The people who make a business studying this data are
called （ ） and the statistical tables they create and use
are called actuarial tables.
[‘statisticians’, ‘brokers ‘, ‘actuaries’, ‘claims adjusters’]
答案：[‘3’]

保险及保险业务
3:Life insurance is used to provide funds to pay （ ） , which are the expenses incurred at
the time of a person’s death, including funeral costs, court expenses
associated with probating his or her will, current bills or debt, and taxes.
[‘ordinary expenses’, ‘living expenses’, ‘operating expense’, ‘final expenses’]
答案：[‘4’]

保险及保险业务
4:It is better to buy （ ） coverage rather than depreciated or market
value coverage, as such a policy restores your living standards to the previous
conditions, at least not used.
[‘renewal cost’, ‘replacement cost’, ‘reliable cost’, ‘restoration cost’]
答案：[‘2’]

保险及保险业务
5:Personal property and liability insurance policy may
protect against various types of houses, including （ ） .
[‘villas’, ‘town homes’, ‘apartment’, ‘condominium’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

保险及保险业务
6:Life insurance is used to provide funds to （ ） .
[‘make investments on stock’, ‘fund dependents’ living costs and the children’s education’, ‘retire outstanding debts ‘, ‘finance family travelling’]
答案：[‘2’, ‘3’]

保险及保险业务
7:Mortality rate is the number of deaths in a
group of people, usually expressed as births per thousand.
[‘T’, ‘F’]
答案：[‘2’]

保险及保险业务
8:Annuity is a contract that provides random
income payments for either a specified period or for the lifetime of the
annuitant.
[‘T’, ‘F’]
答案：[‘2’]

金融衍生品
1:There are many types of derivatives: three of the most
common are （ ） , futures and
forwards.
[‘hedging’, ‘option’, ‘speculating ‘, ‘bond’]
答案：[‘2’]

金融衍生品
2:A call option is （ ） the money when the market price is higher than
exercise price; a put option is in the money when the market price is （ ） than strike price.
[‘at、lower’, ‘out of、higher ‘, ‘in、lower’, ‘to、higher ‘]
答案：[‘3’]

金融衍生品
3:For futures, at the end of the day every trader’s
account is （ ） , which means that paper profits are
added and paper losses are subtracted.
[‘marked to price’, ‘marked to market’, ‘locked-in’, ‘maintained’]
答案：[‘2’]

金融衍生品
4:Exchange-traded derivatives are traded on the floors
of organized securities exchanges and usually requires a good faith or （ ） deposit when buying or selling a contract.
[‘current’, ‘margin’, ‘time’, ‘lump-sum’]
答案：[‘2’]

金融衍生品
5:Compared with forward, future contract have the
characteristics of （ ） .
[‘settlement at expiration’, ‘delivery of underlying’, ‘Continuous settlement’, ‘standardized and marketable contracts’]
答案：[‘3’, ‘4’]

金融衍生品
6:Call and put options are out of the money when
the market price is exactly equal to exercise price.
[‘T’, ‘F’]
答案：[‘2’]

金融衍生品
7:When a trader or investor owns a financial
instrument, he or she is said to be short  that particular asset.
[‘T’, ‘F’]
答案：[‘2’]

金融衍生品
8:An option’s premium consists of two components:
intrinsic value and time value.
[‘T’, ‘F’]
答案：[‘1’]

股票交易
1:In the middle between buyers and sellers are firms
called （ ） which help buyers and seller come together.
[‘financial institution’, ‘financial intermediaries’, ‘financial instrument’, ‘financial consultant’]
答案：[‘2’]

股票交易
2:Large institutions buy and sell large blocks of
mortgage loans, （ ） by property in mortgage market.
[‘provided’, ‘called’, ‘secured’, ‘made’]
答案：[‘3’]

股票交易
3:The （ ） value is the amount of money an investor will
receive back at （ ） . It is
usually in integral multiple of 100.
[‘book、home’, ‘fair、end ‘, ‘market、once’, ‘face、maturity’]
答案：[‘4’]

股票交易
4:The combination of various types of debt and （ ） is called capital structure.
[‘stock’, ‘equity’, ‘capital’, ‘share’]
答案：[‘2’]

股票交易
5:Stock valuation is
always a big challenge for financial analyst. Some of them are using accounting
data to assessdividends related to common
shares. The most widely-used ratios are （ ） .
[‘debt-to-asset rate’, ‘payout ratio’, ‘net profit margin’, ‘dividend yield’]
答案：[‘2’]

股票交易
6:All of the following
elements are necessarily reported on income statement, except （ ） .
[‘gross margin’, ‘accounts payable’, ‘accounts receivable’, ‘cash’]
答案：[‘2’, ‘3’, ‘4’]

股票交易
7:The price of a bond is a function of prevailing
interest rates.
[‘T’, ‘F’]
答案：[‘1’]

股票交易
8:American depositary receipts (ADR) are depositary
receipts held by a US bank that represent stock in an American public company.
ADRs are traded in USD, making it simpler for US investors to invest on oversea
markets.
[‘T’, ‘F’]
答案：[‘2’]

如火如荼的互联网金融热潮
1:互联网金融热潮为何在中国掀起？（ ）
[‘移动互联网时代来临’, ‘金融抑制下的中小微企业金融服务’, ‘百姓投资理财渠道狭窄且长期压抑’, ‘网络技术提供有力支撑’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

如火如荼的互联网金融热潮
2:支撑互联网金融的网络技术有哪些？（ ）
[‘移动支付’, ‘社交网络’, ‘搜索引擎’, ‘云计算’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

如火如荼的互联网金融热潮
3:传统银行进军互联网金融有以下哪几种方式？（ ）
[‘网上银行’, ‘宝宝类理财产品’, ‘微信银行’, ‘直销银行’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融的主要模式
4:互联网金融有以下哪几种主要模式？（ ）
[‘第三方支付模式’, ‘电商+信贷模式’, ‘P2P网络小贷模式’, ‘众筹融资模式’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融的主要模式
5:目前P2P乱象丛生的原因是（ ）。
[‘出问题的平台越来越多’, ‘涉案金额越来越大’, ‘抱着诈骗目的设立的平台越来越多’, ‘市场竞争加剧’]
答案：[‘1’, ‘2’, ‘3’]

互联网金融的主要模式
6:众筹除了募集资金外，还有以下哪些魅力？
[‘新产品、新创意、新发明的舞台’, ‘高科技产品的推广平台’, ‘吸引天使投资人的“创业园”’, ‘慈善事业的新渠道’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融的冲击
7:互联网金融与传统金融的区别主要有哪些？
[‘营业前台。传统金融采用营业网点和专业服务人员；互联网金融采用网页、智能手机APP等多种渠道收单。’, ‘风险管理。传统金融以专业人员管理，以信息技术为辅助；互联网金融则利用大数据对资金实时监控和合规管理。’, ‘资格审查。传统金融靠专业人员进行审核；互联网金融则利用云计算、搜索引擎、社交网络、电商网站信息，利用大数据进行信用分析和资格审核。’, ‘支付清算。传统金融是现钞与电子账户相结合；互联网金融则清算完全电子化，无现钞流通。’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融的冲击
8:互联网金融冲击传统银行业主要表现在以下哪几个方面？
[‘挤压部分银行信贷’, ‘分流部分银行存款’, ‘挑战银行中间业务’, ‘使潜在客户减少和现有客户流失’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融的冲击
9:传统金融通过移动互联网进行；互联网金融则通过实体支付完成。
[‘正确’, ‘错误’]
答案：[‘2’]

互联网金融热潮及主要模式
10:移动支付优于传统支付表现在随时、随地、以任何方式。
[‘正确’, ‘错误’]
答案：[‘1’]

互联网金融热潮及主要模式
11:阿里集团在第三方支付（支付宝）、基金业务（余额宝）、小额贷款、担保公司、保险业务、网上银行等方面涉足互联网金融。
[‘正确’, ‘错误’]
答案：[‘1’]

互联网金融热潮及主要模式
12:目前我国个人投资者还没有进军互联网金融。
[‘正确’, ‘错误’]
答案：[‘2’]

互联网金融热潮及主要模式
13:互联网金融对传统银行业的冲击表现在挤压部分银行信贷、分流部分银行存款、挑战银行中间业务、使潜在客户减少和现有客户流失、影响银行的客户满意度等几个方面。
[‘正确’, ‘错误’]
答案：[‘1’]

互联网金融热潮及主要模式
14:传统金融通过移动互联网进行；互联网金融则通过实体支付完成。
[‘正确’, ‘错误’]
答案：[‘2’]

互联网金融热潮及主要模式
15:电子商务的迅猛发展促进了互联网金融热潮在中国的崛起。
[‘正确’, ‘错误’]
答案：[‘1’]

互联网金融热潮及主要模式
16:以下哪些群体在进军互联网金融？
[‘传统金融业’, ‘互联网企业’, ‘非金融传统企业’, ‘资本市场’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
17:互联网金融热潮为何在中国掀起？
[‘移动互联网时代来临’, ‘金融抑制下的中小微企业金融服务’, ‘百姓投资理财渠道狭窄且长期压抑’, ‘网络技术提供有力支撑’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
18:支撑互联网金融的网络技术有哪些？
[‘移动支付’, ‘社交网络’, ‘搜索引擎’, ‘云计算’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
19:传统银行进军互联网金融有以下哪几种方式？
[‘网上银行’, ‘宝宝类理财产品’, ‘微信银行’, ‘直销银行’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
20:互联网金融有以下哪几种主要模式？
[‘第三方支付模式’, ‘电商+信贷模式’, ‘P2P网络小贷模式’, ‘众筹融资模式’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
21:目前P2P乱象丛生的原因是（  ）。
[‘出问题的平台越来越多’, ‘涉案金额越来越大’, ‘抱着诈骗目的设立的平台越来越多’, ‘市场竞争加剧’]
答案：[‘1’, ‘2’, ‘3’]

互联网金融热潮及主要模式
22:众筹除了募集资金外，还有以下哪些魅力？
[‘新产品、新创意、新发明的舞台’, ‘高科技产品的推广平台’, ‘吸引天使投资人的“创业园”’, ‘慈善事业的新渠道’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
23:互联网金融与传统金融的区别主要有哪些？
[‘营业前台。传统金融采用营业网点和专业服务人员；互联网金融采用网页、智能手机APP等多种渠道收单。’, ‘风险管理。传统金融以专业人员管理，以信息技术为辅助；互联网金融则利用大数据对资金实时监控和合规管理。’, ‘资格审查。传统金融靠专业人员进行审核；互联网金融则利用云计算、搜索引擎、社交网络、电商网站信息，利用大数据进行信用分析和资格审核。’, ‘支付清算。传统金融是现钞与电子账户相结合；互联网金融则清算完全电子化，无现钞流通。’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

互联网金融热潮及主要模式
24:互联网金融冲击传统银行业主要表现在以下哪几个方面？
[‘挤压部分银行信贷’, ‘分流部分银行存款’, ‘挑战银行中间业务’, ‘使潜在客户减少和现有客户流失’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

银行提供给企业的服务：其他服务
1:Time deposit of （ ） deposit and withdrawal is a kind of deposit
with a definite length of maturity, deposited and, withdrawn together with
interest in a lump sum.
[‘lump-sum’, ‘current’, ‘small’, ‘saving’]
答案：[‘1’]

银行提供给企业的服务：其他服务
2:Housing loans are the loans granted by banks to borrow to facilitate their housing purchases.
In this sentence, “granted” could be replaced by （ ） to ensure no change in meaning.
[‘taken’, ‘offered’, ‘divided’, ‘facilitated’]
答案：[‘2’]

银行提供给企业的服务：其他服务
3:The name of beneficiary on the bill must be consistent （ ） the name on the valid credentials of the
beneficiary.
[‘at’, ‘for’, ‘with’, ‘on ‘]
答案：[‘3’]

银行提供给企业的服务：其他服务
4:The corporate banking segment of banks typically
serves a diverse range of clients, ranging from small to mid-sized local
businesses to large conglomerates. According to its definition, a
conglomerate is （ ） .
[‘A large business firm consisting of several different companies’, ‘A small business firm consisting of several different companies’, ‘A large business firm in a single industry ‘, ‘A small business firm in a single industry’]
答案：[‘1’]

银行提供给企业的服务：其他服务
5:The basic services provided by corporate banking in
terms of credit line are （ ） .
[‘credit line’, ‘worldwide credit’, ‘export buyer’s credit ‘, ‘export seller’s credit’]
答案：[‘1’, ‘2’, ‘3’, ‘4’]

银行提供给企业的服务：其他服务
6:Saving deposit is a method of deposit that sets
no limit on the length of maturity, time and amount of deposit and withdrawal.
[‘T’, ‘F’]
答案：[‘1’]

银行提供给企业的服务：其他服务
7:The account for B-type is referred to as
accounts of deposit in foreign exchange or foreign exchange account.
[‘T’, ‘F’]
答案：[‘1’]

银行提供给企业的服务：其他服务
8:Housing loans are the loans granted by banks to
borrowers to facilitate their housing purchases.
[‘T’, ‘F’]
答案：[‘1’]