【单选题】
关于个人贷款的贷后管理，下列说法错误的是（ ）。___
A. 贷款人应定期跟踪分析评估借款人履行借款合同约定内容的情况
B. 经贷款人同意，个人贷款可以展期
C. 一年以上的个人贷款，展期期限累计不得超过原贷款期限
D. 对于未按照借款合同约定偿还的贷款，贷款人应采取措施进行清收，或者协议重组
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答案
C
解析
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【单选题】
《商业银行法》中“对同一借款人的贷款余额与商业银行资本余额的比例不得超过百分之十”的规定，其基本意图是（）。___
A. 保持资金流动性
B. 风险分散化
C. 确保资金的效益性
D. 控制贷款规模
【单选题】
贷款支付管理中的风险不包括（ ）。___
A. 贷款资金发放前，未审核借款人相关交易资料和凭证
B. 业务不合规，业务风险和效益不匹配
C. 直接将贷款资金发放至借款人账户
D. 在未接到借款人支付申请和支付委托的情况下，直接将贷款资金支付给受托方
【单选题】
在受理客户申请时，客户经理要认真了解客户的实际信贷需求，并依据农信社制定的相关信贷政策规章制度，准确地推荐产品，在规定的业务范围内向客户介绍贷款条件所需（） 利率期限用途支付方式农信社可接受的担保方式可供选择的还款方法办理程序所需承担的各项费用违约处理等有关规定。___
A. 申请资料
B. 身份证
C. 个人申请书
D. 合同
【单选题】
按照中国银行业监督管理委员会《贷款风险分类指引》规定，（ ）三类贷款称为不良贷款。___
A. 次级类、关注类和损失类
B. 关注类、可疑类和损失类
C. 次级类、可疑类和损失类
D. 关注类、可疑类和次级类
【单选题】
关于借款合同的填写和审核，下列说法错误的是（ ）。___
A. 合同填写必须做到标准、规范、要素齐全、数字正确、字迹清晰、无错漏、不潦草，防止涂改
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C. 需要填写空白栏，且空白栏后有备选项的，在横线上填好选定的内容后，对未选的内容应加横线表示删除；合同条款有空白栏，但根据实际情况不准备填写内容的，应加盖“此栏空白”字样的印章
D. 合同文本要使用统一格式的个人贷款的有关合同文本，对单笔贷款有特殊要求的，可以在合同中的其他约定事项中约定
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连带责任保证的债务人在主合同规定的债务履行期届满没有履行债务的．债权人（）。___
A. 只能先要求债务人履行债务
B. 只能先要求保证人在其保证范围内承担保证责任
C. 既不能要求债务人履行债务。也不能要求保证人在其保证范围内承担保证责任
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下列关于抵押合同的形式，正确的是（）。___
A. 抵押合同可以口头订立
B. 抵押合同必须书面订立
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甲企业有一价值 800 万元的办公大楼，甲以该大楼抵押，向乙银行贷款 500 万元。后来甲因生产经营需要，再次以该大楼作抵押，向丙银行贷款 200 万元，两个抵押权均经过登记。那么，对此的下列表述中正确的是（）。___
A. 第二个抵押权无效，因为物权具有排他性
B. 两个抵押权都有效，乙银行和丙银行对于抵押物有同等的优先受偿权
C. 两个抵押权均有效，但乙银行的抵押权优先于丙银行的抵押权
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【单选题】
根据物权法律制度的规定，下列关于更正登记与异议登记的表述中，对的是___。
A. 更正登记的申请人可以是权利人，也可以是利害关系人
B. 提起更正登记之前，须先提起异议登记
C. 异议登记之日起 10 日内申请人不起诉的，异议登记失效
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甲、乙、丙三人共有一辆车，甲占有 30%份额，乙占有 50%份额，丙占有 20%份额，丙欲将自己的共有份额作价 5 万转让给丁。在共有人未就该事项做出明确约定的情况下，根据物权法律制度的规定，下列说法中对的是（）。___
A. 丙应当取得甲、乙二人同意后方可将该份额转让给丁
B. 甲、乙在同等条件下享有优先购买
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【单选题】
某公司以其房屋作抵押，先后向甲银行借款 100 万元，乙银行借款 300 万元，丙银行借款 500 万元，并依次办理了抵押登记。后丙银行与甲银行商定交换各自抵押权的顺位，并办理了变更登记，但乙银行并不知情。因长江公司无力偿还三家银行的到期债务，银行拍卖其房屋，仅得价款 600 万元。关于三家银行对该价款的分配，下列选项对的是（）。___
A. 甲银行 100 万元、乙银行 300 万元、丙银行 200 万元
B. 甲银行得不到清偿、乙银行 100 万元、丙银行 500 万元
C. 甲银行得不到清偿、乙银行 300 万元、丙银行 300 万元
D. 甲银行 100 万元、乙银行 200 万元、丙银行 300 万元
【单选题】
抵押是担保的一种方式，根据《物权法》，下列说法对的是（）。___
A. 债权人不占有债务人或第三人用于抵押的财产
B. 债权人任何时候都无权就抵押财产优先受偿
C. 抵押需将财产移交给债权人，一旦债务人不能履行到期债务，可直接用于清偿
D. 抵押财产的使用权归债权人所有
【单选题】
商业银行贷款合同（）。___
A. 只能采用书面合同的形式
B. 可以采取书面合同的形式
C. 既可以采取口头合同的形式，也可以采取书面合同的形式
D. 除口头形式和书面形式外，还可以采取双方认可的其他形式
【单选题】
下列关于商业银行固定资产贷款说法中，错的是（）。___
A. 固定资产贷款通常是短期贷款
B. 商业银行不得使用同业拆借资金发放固定资产贷款
C. 基本建设贷款和技术改造贷款都属于固定资产贷款
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在计算速动比率时,要从流动资产中扣除存货部分,再除以流动负债。这样做的主要原因是流动资产中（）。___
A. 存货的价值较大
B. 存货的质量不稳定
C. 存货的变现能力较差
D. 存货的未来销路不定
【单选题】
据《商业银行授信工作尽职指引》的规定，客户资料如有变动，商业银行应要求客户（）进一步核实后在档案中重新记载。___
A. 做出口头说明
B. 提供书面报告
C. 提供公司章程
D. 电话告知
【单选题】
对公客户调查内容主要包括（）、行业情况、营管理情况、申请信贷业务的原因和还款来源、验证客户资料、验证客户抵质押物状况、财务状况。___
A. 客户基本情况
B. 企业职工工资
C. 企业法人学历
D. 企业股东学历
【单选题】
商业银行经常将贷款分散到不同的行业和领域，使违约风险降低，其原因是（）。___
A. 不同行业及地域间的贷款可以进行风险对冲
B. 将贷款分散至不同行业及地域来取得规模效应
C. 通过不同行业及地域间的贷款进行风险转移
D. 利用不同行业及地域间企业来进行风险分散
【单选题】
下列关于同一债务有两个以上保证人时，保证人责任承担方式说法不对的是___
A. 没有约定保证份额的，债权人可以要求任何一个保证人承担全部保证责任，保证人都负有担保全部债权实现的义务
B. 数个保证人应当按照保证合同约定的保证份额，承担保证责任
C. 已经承担保证责任的保证人，有权向债务人追偿，但不能要求承担连带责任的其他保证人清偿其应当承担的份额
D. 没有约定保证份额的，保证人承担连带保证责任
【单选题】
银行可根据风险水平、筹资成本、管理成本、贷款目标收益、资本回报要求以及当地市场利率水平等因素自主确定贷款利率，对不同借款人实行（）___
A. 固定利率
B. 浮动利率
C. 平等利率
D. 差别利率
【单选题】
甲向乙借款 20 万元做生意，由丙提供价值 15 万元的房屋抵押，并订立了抵押合同。甲因办理登记手续费过高，经乙同意未办理登记手续。甲又以自己的一辆价值 6 万元的“夏利”车质押给乙，双方订立了质押合同。乙认为将车放在自家附近不安全，决定仍放在甲处。一年后，甲因亏损无力还债，乙诉至法院要求行使抵押权、质权。本案中抵押和质押的效力为：___
A. 抵押、质押均有效
B. 抵押、质押均无效
C. 抵押有效、质押无效
D. 抵押有效、质押无效
【单选题】
银行或者其他金融机构的工作人员以牟利为目的，采取吸收客户资金不入账的方式，将资金用于非法拆借、发放贷款，造成重大损失的，处（）年以下有期徒刑或者拘役，并处 2 万元以上 20 万元以下罚金；___
A. 3
B. 4
C. 5
D. 6
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An administrator creates an ESXi cluster using vSphere Auto Deploy. The ESXi hosts are configured to get a management IP address from a DHCP server. The administrator needs to troubleshoot the management network on one of the hosts. Which DCUI option should the administrator use to renew the DHCP lease? ___
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【单选题】
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During the installation of ESXi 6.0, the following error message is reported: Hardware Virtualization is not a feature of the CPU, or is not enabled in the BIOS. Which condition would generate this message? ___
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【单选题】
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An administrator wants to add a web server to an existing multi-tier application consisting of three virtual machines: <A web server> <A database server An application server> The web server should be added to the application when the primary web server reaches: <70% vCPU utilization> <55% active memory> Which option will achieve this result? ___
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【单选题】
An administrator has an application that requires connection directly to PCI devices through a virtual machine. What is a limitation of this configuration? ___
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【单选题】
The vSphere administrator is configuring directory services for an ESXi host: What should the vSphere administrator do to configure the host to use CAM services? ___
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D. omain.
【单选题】
Which statement is true regarding the licensing of vCenter Server? ___
A. The license for vCenter Server must be provided at the time of installation.
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【单选题】
When configuring vSphere Replication for a virtual machine, what is the lowest Recovery Point Objective (RPO) that can be selected? ___
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A developer needs to create a multi-tier development stack for a home lab. Which vSphere product will support the architecture required for the least software cost? ___
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【单选题】
An administrator is installing Windows into a virtual machine. The DVD has been mounted on the Host and configured for the virtual machine as shown in the Exhibit. Based on the exhibit, when the virtual machine is booted, why would it attempt to search for a PXE server? ___
A. The CD/DVD device is not connected.
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【单选题】
What component must be installed prior to deploying a vCenter Server in vSphere 6.x? ___
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【单选题】
What is a valid plug-in status for a plug-in that has been added to a vSphere client? ___
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Users of an application are reporting performance issues. The following performance values are observed in the vSphere Web Client: <Host CPU utilization is 90%> <Virtual Machine memory utilization is consistently greater than 90% CPU Ready values are higher than 20%> What could be the cause of the application performance issue? ___
A. The host is lacking the CPU resources required to meet the demand.
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C. The virtual machine is lacking the CPU resources required to meet the demand.
D. The virtual machine is lacking the memory resources required to meet the demand.
【单选题】
An administrator creates an ESXi cluster using vSphere Auto Deploy. The ESXi hosts are configured to get a management IP address from a DHCP server. The administrator needs to troubleshoot the management network on one of the hosts. Which DCUI option should the administrator use to renew the DHCP lease? ___
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【单选题】
An administrator is re-provisioning an ESXi host and moving it to another datacenter. Which DCUI option should the administrator use to revert the system configuration to the default settings? ___
A. Reset System Configuration
B. Rebuild Default System Configuration
C. Revert System Configuration
D. Renew Default System Configuration
【单选题】
An administrator has just completed installing an ESXi 6.x host, but doesn't know what address has been configured. Where is the ESXi host IP address configured? ___
A. RVC console
B. Direct Console User Interface
C. vSphere Web Client
D. vSphere Client
【单选题】
When is it possible to place a VMFS5 datastore in maintenance mode? ___
A. When it is a member of a Storage DRS cluster
B. When it is a member of Virtual SAN cluster
C. When it is a member of a multi-extent datastore
D. When it is a member of a Virtual Volume
【单选题】
Immediately after installing ESXi, an administrator observes that the Configure Lockdown Mode option is grayed out in the Direct Console User Interface (DCUI). What is the most likely explanation? ___
A. The host has not yet been added to a vCenter Server.
B. The BIOS on the host does not have NX/XD enabled.
C. The ESXi host is running in evaluation mode.
D. The host requires a reboot before this feature is available.
【单选题】
Immediately after installing ESXi, an administrator observes that the Configure Lockdown Mode option is grayed out in the Direct Console User Interface (DCUI). What is the most likely explanation? ___
A. The host has not yet been added to a vCenter Server.
B. The BIOS on the host does not have NX/XD enabled.
C. The ESXi host is running in evaluation mode.
D. The host requires a reboot before this feature is available.
【单选题】
Which Single Sign-On deployment mode should an administrator use for two 6.x vCenter Servers configured with linked mode? ___
A. Basic Single Sign-On with vCenter Server Heartbeat
B. Multisite Single Sign-On
C. Basic Single Sign-On
D. Single Sign-On with Linked Mode
【单选题】
What is required when changing a virtual machine name using the vSphere Web Client? ___
A. Verify connectivity to the ESXi host where the virtual machine is running and its inventory list is accessible.
B. Verify in which datastore the virtual machine resides and that you have access and its inventory list is accessible.
C. Verify that virtual machine files are stored in the same datastore and can be accessed in the datastore browser list.
D. Verify the virtual machine is not running in Fault Tolerant mode and that it is not in a Distributed Resource Scheduler cluster.
【单选题】
An administrator deploys vRealize Operations into a vSphere 6.x environment. After the deployment, the administrator notices that badges are not appearing. What is a likely cause of this behavior? ___
A. Badges do not appear until you register vRealize Operations with vCenter Server.
B. Badges do not appear until you register a vCenter Server in vRealize Operations.
C. The vRealize Operations appliance needs to be redeployed.
D. The vCenter Server appliance needs to be redeployed.
【单选题】
How are ports scaled on vSphere Standard Switches (vSS)? ___
A. Ports on a vSS can be dynamically scaled up and down.
B. Ports on a vSS can only be statically scaled up or down.
C. Ports on a vSS can only be dynamically scaled down.
D. Ports on a vSS can only be dynamically scaled up.
【单选题】
A High Availability (HA) cluster is configured to respond to a given number of host failures. The cluster contains virtual machines configured with these settings: VM1 has a 1GHz CPU reservation and no Memory reservation VM2 has a 2GHz CPU reservation and no Memory reservation VM3 has no CPU reservation and no Memory reservation . Given this information, what is the correct slot size for the cluster? ___
A. The CPU Reservation should be set to 32MHz and the memory reservation should be set to 32MB plus memory overhead.
B. The CPU reservation should be set to 1 GHz and the memory reservation should be set to 0MB plus memory overhead.
C. The CPU reservation should be set to 2 GHz, and the memory reservation should be set to 0MB plus the virtual machine memory overhead.
D. The CPU reservation should be set to 2 GHz, and the memory reservation should be set to 32MB, plus the virtual machine memory overhead.
【单选题】
An administrator is planning a vSphere infrastructure with the following specific networking requirements: <The ability to shape inbound (RX) traffic> <Support for Private VLANs (PVLANs)> <Support for LLDP (Link Layer Discovery Protocol)>. What is the minimum vSphere Edition that will support these requirements? ___
A. vSphere Essentials Plus
B. vSphere Standard
C. vSphere Enterprise
D. vSphere
E. nterprise Plus
【单选题】
When you add an ESXi 6.x host to a new Cluster, which vSphere object owns the CPU and Memory resources of the hosts? ___
A. vCenter Server
B. Datacenter
C. Cluster
D. Host
【单选题】
A user is trying to retrieve objects from a SharePoint server and finds the request is taking an excessive amount of time. An administrator tries to isolate the issue and notes the following: Application performance is poor when compared to virtual machines on other hosts. Performance improves when the virtual machine is moved to another host. The virtual machine encounters higher than expected CPU %Ready times. What conclusion can be reached regarding the performance issues for this virtual machine? ___
A. Host Power Management is directly impacting virtual machine performance.
B. The virtual machine has a large number of snapshots.
C. The Path Selection Policy for the storage device is set differently on the affected host.
D. Network I/O control is configured for the portgroup.
【单选题】
A virtual machine template is accidently removed from the vCenter Server Inventory. Which method would be used to recover the template back into the environment?___
A. Use the datastore browser to locate the template, then right click and add the .vmtx file to inventory.
B. Use the datastore browser to locate the template, then right click and add the .vmx file to inventory.
C. Using the Managed Object Browser and adding the template from the ManagedObjectReference:GuestFileManager object.
D. Using the Managed Object Browser and adding the template from the ManagedObjectReference:VirtualDiskManager object.
【单选题】
A vSphere administrator needs to backup a virtual machine that has a Microsoft SQL Server Database installed. Which solution allows for an application quiesce to occur during backup?___
A. VMware vCenter Converter
B. VMware vCenter Site Recovery Manager
C. VMware vSphere Replication
D. VMware vSphere Data Protection Advanced
【单选题】
An administrator is migrating a virtual machine from a Test cluster to a Production cluster. The two environments do not have any shared storage. What is the easiest way to accomplish this task? ___
A. Perform a Storage vMotion.
B. Perform a regular vMotion.
C. Perform a Virtual to Virtual migration.
D. Perform a backup and restore using VMware Data Protection.
