分类：中国银行业专业人员继续教育

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’]

银行系统的整体概况
1:One of the European Central Bank’s tasks is to promote
the （ ） operation of payment systems.
[‘possible’, ‘satisfactory’, ‘smooth’, ‘useful’]
答案：[‘3’]

银行系统的整体概况
2:A central bank is a （ ） designated by the central government to
formulate and implement monetary policy and supervise and regulate the
financial industry.
[‘business organization’, ‘corporate’, ‘proprietorship’, ‘financial institution’]
答案：[‘4’]

银行系统的整体概况
3:In China, which banks
are qualified to serve as policy banks besides China Import and Export Bank and
the State Development Bank?
[‘Agricultural Bank of China’, “The People’s Bank Of China”, ‘Industrial and Commercial Bank of China’, ‘None of them’]
答案：[‘4’]

银行系统的整体概况
4:The Federal Reserve System was established as the
central bank of the United States in 1913, under the Federal Reserve Act. As one of its entities, the Board of governors
of the Federal Reserve System is actively involved in the conduct of monetary
policy in the following ways：（ ）
[‘To issue currency and administer its circulation’, ‘To vote on the conduct of open market operations’, ‘To set reserve requirements’, ‘To control discount rate’]
答案：[‘2’, ‘3’, ‘4’]

银行系统的整体概况
5:Investment bank is a type of financial
institution that provides services such as accepting deposits, making
business loans, and offering basic investment products.
[‘T’, ‘F’]
答案：[‘2’]

银行系统的整体概况
6:A commercial bank is a financial institution
designated by the central government to formulate and implement monetary policy
and supervise and regulate the financial industry.
[‘T’, ‘F’]
答案：[‘2’]

银行系统的整体概况
7:A commercial bank is a financial institution
designated by the central government to formulate and implement monetary policy
and supervise and regulate the financial industry.
[‘T’, ‘F’]
答案：[‘2’]

银行系统的整体概况
8:The EU has developed an internal single
market  through a standardized system of laws that apply in all member
states.
[‘T’, ‘F’]
答案：[‘1’]