A. Direct insurance companies

B. reinsurance companies

C. property insurance company

D. life insurance company

E. China Insurance Company

Correct answer AB

This topic examines banking financial institutions. According to the mode of operation, insurance companies can be divided into direct insurance companies and reinsurance companies. See textbook P57.

Intermediate bank qualification certificate "Personal Finance" is practiced once a day: Zhan Sen Index (1 1.26).

Customer Ms. Li bought an asset allocation under the recommendation of financial planner Xiao Wang. A few years later, when Xiao Wang assessed the amount, he found that the Zhan Sen ratio of the asset allocation was 0.8%, indicating the actual rate of return of the asset allocation in the past few years ().

A. 0.8% higher than risk-free income

B. 0.8% higher than the market average.

C. 0.8% lower than risk-free income

D. 0.8% lower than the market average

Correct answer b

Answer Analysis This question examines the Zhan Sen index. Zhan Sen index refers to the part where the portfolio yield exceeds CAPM's forecast yield given the beta and average market yield of the portfolio. If the portfolio is above the stock market line and the α value is greater than zero, it means that the return rate of the portfolio is higher than the market average, and it can be considered that its performance is very good; If the portfolio is below the stock market line and the α value is less than zero, it means that the performance of the portfolio is not good.

Intermediate bank qualification "Risk Management" is practiced one day: operational risk capital measurement (1 1.26)

The following statement about the characteristics of operational risk measurement rules in China is incorrect ().

A. The basic index method and the standard method embody the rule orientation, and the advanced method embodies the principle orientation.

B. commercial banks are not allowed to choose their own measurement methods.

C. before examination and approval, supervise the access of banks; After approval, it embodies the principle of continuous supervision.

(4) The CBRC may require commercial banks to increase their operational risk capital when it finds that their internal control is imperfect and their operational risk management is weak.

Correct answer b

This question examines the measurement of operational risk capital. The CBRC only clarified the principles of data and measurement, and commercial banks chose their own measurement methods, which reflected the incentives for banks with better risk management.

Intermediate bank qualification "personal loan" is practiced one day: personal credit objection handling (1 1.26)

The Credit Management Department of the People's Bank of China shall forward the objection application to the Credit Information Service Center within () working days after receiving the individual objection application.

Answer 7

B.5

C.3

D.2

Correct answer d

Answer analysis this question examines the handling of personal credit objections. The Credit Management Department of the People's Bank of China shall forward the objection application to the Credit Information Service Center within 2 working days after receiving the individual objection application. See textbook P263.

Intermediate bank qualification "Corporate Credit" is practiced one day: loan approval principle (1 1.26)

Deliberation and voting follow the principle of "collective deliberation, clear expression of opinions and absolute majority". ()

correct

wrong

Correct answer. Yes

This question examines the principle of loan approval. Deliberation and voting follow the principle of "collective deliberation, clear expression of opinions and absolute majority". See the textbook P27 1.