江西銀行從業(yè)《公共基礎(chǔ)》全真機(jī)考試真題十

1、江西銀行從業(yè)公共基礎(chǔ)全真機(jī)考試真題十二、多項(xiàng)選擇題1、銀行業(yè)從業(yè)人員為客戶提供貸款前，應(yīng)當(dāng)先了解客戶的（ ）。a所在區(qū)域的信用環(huán)境 b財(cái)務(wù)狀況c信用記錄 d收入來源e風(fēng)險(xiǎn)承受能力2、下列屬于中國人民銀行上?？偛柯氊?zé)的有（ ）。a組織實(shí)施中央銀行公開市場(chǎng)操作 b管理上海黃金交易所c管理上海證券交易所 d承辦在滬商業(yè)銀行及票據(jù)專營機(jī)構(gòu)再貼現(xiàn)業(yè)務(wù)e管理中國銀聯(lián)3、一完整的銀行業(yè)監(jiān)管體系包括（ ）。a銀行業(yè)監(jiān)管機(jī)構(gòu)的監(jiān)督管理措施b國際銀行業(yè)監(jiān)管機(jī)構(gòu)的監(jiān)督c行業(yè)自律d銀行業(yè)的內(nèi)部控制e公眾監(jiān)督4、銀行業(yè)監(jiān)督管理法規(guī)定銀監(jiān)會(huì)的監(jiān)督管理措施可以包括（ ）。a要求銀行按照規(guī)定報(bào)送財(cái)務(wù)報(bào)表 b進(jìn)入銀行進(jìn)行檢查c

2、與銀行董事進(jìn)行監(jiān)督管理談話 d責(zé)令銀行按照規(guī)定如實(shí)披露風(fēng)險(xiǎn)管理狀況5、下列屬于外幣存款業(yè)務(wù)的是（ ）。a外匯儲(chǔ)蓄存款 b個(gè)人存款c同業(yè)存款 d定期存款e經(jīng)常項(xiàng)目外匯賬戶6、政府舉辦的社會(huì)保障計(jì)劃包括（ ）。a養(yǎng)老保險(xiǎn)、失業(yè)保險(xiǎn)、基本醫(yī)療保險(xiǎn)、工傷保險(xiǎn)、生育保險(xiǎn)b旅游補(bǔ)貼c社會(huì)救濟(jì)、社會(huì)福利計(jì)劃d最低工資保障e人壽保險(xiǎn)7、銀行貸后管理的主要內(nèi)容包括（ ）a貸款行要監(jiān)控信貸資金的支付和使用情況b運(yùn)用貸款風(fēng)險(xiǎn)預(yù)警機(jī)制及時(shí)防范、控制和化解貸款風(fēng)險(xiǎn)c對(duì)信貸資產(chǎn)要按照貸款分類標(biāo)準(zhǔn)進(jìn)行科學(xué)分類，加強(qiáng)不良貸款的監(jiān)測(cè)、分析，真實(shí)反映貸款質(zhì)量情況d明確貸后責(zé)任，避免重放輕管江西總部地址：江西省南昌市陽明路310號(hào)

3、江西省出版大廈8樓 242228716給人改變未來的力量 微信jx-offcn-com8、商業(yè)銀行法規(guī)定的辦理儲(chǔ)蓄業(yè)務(wù)的原則包括（ ）。a存款自愿b取款自由c存款有息d為存款人保密9、我國針對(duì)公司的貸款業(yè)務(wù)包括（ ）。a流動(dòng)資金貸款b助學(xué)貸款c銀團(tuán)貸款d個(gè)人汽車消費(fèi)貸款10、金融資產(chǎn)管理公司的主要經(jīng)營目標(biāo)是（ ）。a最大限度保護(hù)財(cái)產(chǎn)b最大限度保全財(cái)產(chǎn)c最大限度資產(chǎn)增值d最大限度減少損失e股東利益最大化答案及解析1. a,b,c,d,e2. a,b,d,e網(wǎng)友解析：為什么不能管理證券3. a,c,e4. a,b,c,d5. a,d,e系統(tǒng)解析：人民幣存款分為個(gè)人存款、單位存款和同業(yè)存款外幣存款包

4、括外匯儲(chǔ)蓄存款、單位外匯存 款、活期存款、定期存款、經(jīng)常項(xiàng)目外匯賬戶、資本項(xiàng)目外匯賬戶。6. a,c7. a,b,c,d8. a,b,c,d9. a,c10. b,d網(wǎng)友解析：保全資產(chǎn) 減少損失c29c91afe4ced1b6c8795ad9c91afe4ced1b6c8795ad91afe4ced1b6c8795ad9c91fe4ced1b6c8795ad29c91afedd1b6c87d1b6c8795ad9c91afe4ced1b6c8795ad91afe4ced1b6c8795ad9c91fe4ced1b6c8795ad29c91af95ad9c91afe4ced1b6c8795ad9

5、1afe4ced1b6c8795ad9d1b6c8795ad9c91afe4ced1b6c8795a1afe4ced1b6c8795ad91afe4ced1b6c8795ad9c91fe4ced1b6c8795ad29c91afc91fe4ced1d1b6c8795ad9c91afe4ced1b6c8795ad91afe4ced1b6cd1b6c8795ad9c91afe4ced1b6c8795ad91afe4ced1b6c8795ad9c91fe4ced1b6c8795ad29c91af8795ad9c91fe4ced1d1b6c8795ad9c91afe4ced1b6c8795ad91af

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