【判断题】
《“家庭亲情贷”管理办法》规定:“家庭亲情贷”非核心家庭成员是指核心家庭成员之外,其他与夫妻双方有血缘或姻亲关系的人员。( )
A. 对
B. 错
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《“家庭亲情贷”管理办法》规定:一户一贷是指以借款人家庭为单位,以核心家庭成员的信誉、资产、收入等为基础,对具有承贷能力的家庭成员授信,发放贷款。( )
A. 对
B. 错
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《“家庭亲情贷”管理办法》规定:“家庭亲情贷”是向借款人发放的,由公职人员作为担保人,用于生产经营、消费等用途的贷款。( )
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《“家庭亲情贷”管理办法》规定:其他与夫妻双方有血缘或姻亲关系的人员由农商行视利益和关系紧密程度等灵活决定是否纳入核心家庭成员范畴。( )
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农村商业银行员工在业余时间、以自有资金参与民间借贷的,属于私人行为,不算违规。( )
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为压降不良贷款,可以发放贷款用于以贷收息,帮助客户渡过难关。( )
A. 对
B. 错
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按照客户提供的资料调查分析,不符合新增贷款条件,但是该客户是朋友介绍的且贷款额度不大,可以帮其修改或编造一部分申请资料。( )
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只要能够确保贷款能够到期归还,为解决资金临时周转,可临时办理一笔顶名贷款。( )
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省联社党委“123456”总体工作思路提出了“两个市场”概念,即“深耕传统农区市场,抢抓城市社区市场”。( )
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回归服务“三农”和实体经济的本源,既是农商银行责无旁贷的光荣职责,更是健康持续发展的内在需要和根本保证。( )
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省联社党委“123456”总体工作思路提出在农区以信用工程建设为基础,发挥村“两委”、农金员作用,排除存在恶意不良信用记录、和赖账户,对婚姻不稳定、不孝敬老人、邻里不和睦等农户要择优支持。( )
A. 对
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大力拓展零售贷款,依托“家庭银行”模式,全民服务“千家万户”,将贷款额度由“个人”上升到“家庭”层面,采用“录入法”对家庭内部成员分别建立信息授信。( )
A. 对
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省联社党委“123456”总体工作思路提出推广“农业产业链”模式,依托优质龙头企业,支持上下游企业、农户,实现融资开放式运作。( )
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《山东省农村信用社信贷管理基本制度》是信贷管理必须遵循的基本准则,是制定各种信贷产品和信贷业务管理办法的基本依据。( )
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办理贷款业务应坚持“统一授信、审贷分离、分级审批、贷放分控、实贷实付”的原则。( )
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按照分级审批原则,对有权审批人进行书面授权,有权审批人在受权范围内对审议通过的贷款进行审批。有权审批人有“一票否定权”和“一票通过权”。( )
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原则上,较大额度的贷款必须办理抵质押;抵质押物应易变现,可监控;抵质押物的实际市场价值必须完全覆盖贷款本息及费用;合理确定抵质押率。( )
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单一借款人及关联企业由同一融资性担保机构担保的额度应控制在融资性担保机构净资产的15%以内。( )
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信息提供者违反《征信业管理条例》规定,向征信机构、金融信用信息基础数据库提供非依法公开的个人不良信息,未事先告知信息主体本人,情节严重或者造成严重后果的,由国务院征信业监督管理部门或者其派出机构对单位及个人处以书面警告,责令限期整改。( )
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按照《征信业管理条例》规定,确因过失泄露信息的,不对单位及个人进行罚款。( )
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融资担保机构、保证保险机构与商业银行开展合作,为信息主体办理信贷业务时,商业银行可不经个人信息主体同意,将个人信息提供给开展合作的融资担保机构、保证保险机构使用。( )
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从事信贷业务的机构向金融信用信息基础数据库或者其他主体提供信贷信息,应当事先取得信息主体的书面同意。( )
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金融信用信息基础数据库运行机构可以按照补偿成本原则收取征信查询服务费用,收费标准由国务院价格主管部门规定。( )
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禁止征信机构采集个人的宗教信仰、基因、指纹、血型、疾病和病史信息以及法律、行政法规规定禁止采集的其他个人信息。( )
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征信机构对个人不良信息的保存期限,自不良行为或者事件终止之日起为7年;超过7年的,应当予以删除。( )
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按照《征信业管理条例》的规定,贷款记录较多或信用卡账户较多的,即使未发生逾期、欠息等违约情况,也属于不良信息。( )
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按照《征信业管理条例》的规定,个人不良信息保存5年,即使贷款未还款,5年后不良记录也会被删除。( )
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农商银行查询客户征信信息产生的费用由农商银行承担,不得向客户转嫁。( )
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征信信息(含信贷信息)与依法公开的公共服务信息本质上是相同的。( )
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严禁为非正式员工设置查询用户。( )
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查询农商行高管、股东、内部员工、农金员的征信报告时,可以先查询、后授权。( )
A. 对
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与保险公司、融资性担保公司、评级公司、大数据公司等第三方机构合作开展信贷业务时,可以将农商行查得的信用报告提供给第三方机构使用。( )
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征信查询的电脑均要安装安全防护软件,禁止接入U盘、移动硬盘等移动存储设备,禁止接入无线路由器或其他无线设备。( )
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未对违规人员进行责任追究的,不得对错误的征信数据进行更正。( )
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研发上线新信贷产品、新信息系统,以及现有系统的优化升级,涉及信用信息对外提供、自动触发征信查询、线上获取查询授权等情况的,要将相关制度与业务流程事先提报征信主管部门进行充分调研论证和风险评估,采取必要措施保证征信信息安全,并在新业务、新系统上线前将评估论证情况向当地人民银行和上级主管部门报告。( )
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借新还旧、重组、展期业务不允许联动放款。( )
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( ) 29. What is the writer's main purpose(目的)in writing this passage?    A.To tell the readers his life story.    B.To tell people what kind of person his father was.    C.To tell the readers what present he got from his father.    D. To let people know how poor he was.
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( ) 30. Why did the father not ask his son not to do this and do that?    A.Because he felt quite confident of his son.    B.Because he was born from a poor family.    C.Because he was a man of few words.    D.Because he didn't want to be much too strict with his son.
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( ) 31. What would someone learn from this passage?    A.How to live by oneself. B.How to stand on one's own feet.    C.What a good father should do. D.What the self-important is like.
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( ) 32. What may be the proper Chinese for the underlined part in the passage?    A.闲暇时光 B.学费 C.精神空虚 D.经济不足
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( ) 33. Why did Natalie Smith pay for the six cars behind her? A. She had seven tickets. B. She hoped to please others. C. She knew the car drivers well. D. She wanted to show kindness.
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( ) 34. Judy Foreman copied down the phrase because she ___ . A. thought it was beautifully written B. wanted to know what it really meant C. decided to write it on a warehouse wall D. wanted her husband to put it up in the classroom
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( ) 35. Who came up with the phrase according to the passage? A. Judy Foreman. B. Natalie Smith. C. Anne Herbert D. Alice Johnson.
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( ) 37.The greatest river for navigation is ___________. A. the Nile B. the Amazon C. the Mekong D. the Mississippi
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( ) 38. From a dam, people can use the water for ___________. A. keeping the rivers clean B. only making electricity C. irrigation and making electricity D. washing clothes
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( ) 39. The water in the river is polluted because of _____________. A. people's drinking water too much B. people's swimming in the river too much C. chemicals and other materials D. people's building a dam across a river
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