Example () refers to the risk that the economic, political or social situation of a country deteriorates, threatening the repayment ability of domestic borrowers with significant commercial relations or interests in that country.
A.b. Macroeconomic risks
C. Political risk D. Indirect country risk
"correct answer" d
This question examines indirect country risks. Indirect country risk refers to the risk that the economic, political or social situation of a country deteriorates, threatening the repayment ability of domestic borrowers with significant commercial relations or interests in that country.
In one example, when an event () or index changes, it is considered that a country risk has occurred.
A. Sovereign default
B. Transfer events
C. currency appreciation
D. Banking crisis
E. Political turmoil
"correct answer" ABDE
"Answer Analysis" examines the identification of country risks. A country risk is considered to have occurred when the following events or indicators change: (1) sovereign default; (2) transfer events; (3) currency depreciation; (4) banking crisis; (5) Political turmoil.
Sovereign default refers to the default of sovereign debtors, and refers to any negligence or delay in paying interest and/or principal. But converting foreign exchange at a discount is not a breach of contract. ( )
"Correct answer" ×
"Answer Analysis" examines the identification of country risks. Sovereign default refers to the default of the sovereign debtor, and refers to any behavior of not paying or delaying the payment of interest and/or principal. Conversion is also a breach of contract.
Example () refers to the situation that the borrower or debtor is unable to obtain the required foreign exchange to repay its overseas debts due to insufficient domestic foreign exchange reserves or foreign exchange control, or the debtor's assets are nationalized or requisitioned.
A. Sovereign default B. Transfer event
C. Currency devaluation D. Political turmoil
"correct answer" b
"Answer Analysis" examines the identification of country risks. The transfer event refers to the situation that the borrower or debtor can't get the required foreign exchange to repay their overseas debts due to insufficient domestic foreign exchange reserves or foreign exchange control, or the debtor's assets are nationalized or requisitioned.
For example, currency depreciation means that the exchange rate of local currency against the US dollar depreciates by more than () or more within one year, and the specific depreciation extent depends on the background of the times or the regulatory needs of a country.
A. 15%
B.20%
About 25%
D.30%
"correct answer" c
"Answer Analysis" examines the identification of country risks. Currency devaluation refers to the depreciation of the local currency against the US dollar by more than 25% or more within one year, depending on the age background or the regulatory needs of a country.
Banking crisis refers to the collapse of the banking system in an economy, especially in the context of financial crisis. In banking crisis, measure the risk of systemic crisis, that is, banks with total assets () or above are insolvent and unable to repay the debts of depositors and/or creditors.
A. 10%
About 20% to 25%
"correct answer" a
"Answer Analysis" examines the identification of country risks. Banking crisis refers to the collapse of the banking system in an economy, especially in the context of financial crisis. Measure the risk of systemic crisis, that is, banks holding 10% or more of the total assets of banks are insolvent and unable to repay the debts of depositors and/or creditors.
The example in the basic principles of banking supervision, () refers to the CBRC's rational allocation and utilization of regulatory resources in its regulatory activities to improve regulatory efficiency, which not only ensures the full performance of regulatory responsibilities and the realization of regulatory objectives, but also reduces regulatory costs and does not increase the burden on taxpayers and regulated objects.
A. Principle of legality B. Principle of publicity
C. Principle of justice D. Principle of efficiency
"correct answer" d
"Answer Analysis" examines bank supervision. The principle of efficiency refers to the CBRC's rational allocation and utilization of regulatory resources in its regulatory activities to improve regulatory efficiency, which not only ensures the full performance of regulatory responsibilities and the realization of regulatory objectives, but also reduces regulatory costs without bringing burdens to taxpayers and regulated objects.
China Banking Regulatory Commission clearly pointed out that the standards of good banking supervision include ().
A strive to enhance the competitiveness of China's banking industry in international financial services.
B. Restrain financial innovation and promote financial stability
C. Set scientific and reasonable restrictions on all kinds of supervision, do something different, and reduce all unnecessary restrictions.
D. Encourage fair competition and oppose disorderly competition
E strict and clear accountability should be implemented for both the supervisor and the supervisor.
"correct answer" = ↑ACDE
"Answer Analysis" examines bank supervision. The China Banking Regulatory Commission clearly put forward six standards for doing a good job in banking supervision: promoting financial stability and financial innovation and development; Strive to enhance the competitiveness of China's banking industry in international financial services; Set scientific and reasonable restrictions on all kinds of supervision, do something different, and reduce all unnecessary restrictions; Encourage fair competition and oppose disorderly competition; Strict and clear accountability system should be implemented for both the supervisor and the supervised; Colleges and universities economize on the use of all supervision resources.
For example, the regulatory concept put forward by the CBRC is "managing the market, managing risks, managing internal control and improving transparency". ( )
"Correct answer" ×
"Answer Analysis" examines bank supervision. The China Banking Regulatory Commission put forward the regulatory concept of "managing legal persons, managing risks, managing internal control and improving transparency".
The example about risk supervision is wrong ().
A. Risk supervision refers to evaluating all kinds of risks involved in bank operation and management by identifying the inherent risks of banks.
B. Risk supervision is a supervision method that systematically, comprehensively and continuously evaluates the operation and management of banks according to rating standards.
C. Risk supervision is a comprehensive static supervision to grasp the bank's situation.
D. Risk supervision is a supervision mode with strong planning, clear objectives, improved efficiency and saved resources.
"correct answer" c
"Answer Analysis" examines bank supervision. Risk supervision is a comprehensive and dynamic supervision to grasp the bank's situation.
The role of example risk supervision is mainly reflected in ().
A. Through the collection of institutional information and the evaluation of business and various risks and risk management procedures, we can better understand the risk status and management quality of institutions and identify the risks to be formed as soon as possible, which is forward-looking.
B through effective risk identification in advance, the inspection and supervision scheme can be designed according to the risk characteristics of each institution, which is more planned, flexible and targeted.
C. Clarify the risk orientation of supervision, improve the bank management's attention to risk management, and at the same time improve the management's sense of identity with supervision.
D shift the focus of supervision to bank risk management and external control quality assessment.
E, clear the responsibilities of off-site supervision and on-site inspection, so that the division of labor between them is more clear and the combination is closer.
"correct answer" = ↑ABCE
"Answer Analysis" examines bank supervision. D mistake, it should be to transfer the supervision center to the evaluation of bank risk management and internal control quality.
Example the following does not belong to the bank supervision method is ().
A. Market access
B. Supervision and inspection
C. Capital supervision
D. Market withdrawal
"correct answer" d
"Answer Analysis" examines bank supervision. Banking supervision methods include market access, supervision and inspection, and capital supervision.
For example, in the banking supervision measures, () refers to the mechanism by which the supervision department adopts administrative licensing to examine and approve the market participants entering a certain field and engaging in related activities.
A.b. Supervision and inspection
C. Capital supervision D. Market withdrawal
"correct answer" a
"Answer Analysis" examines bank supervision. Market access refers to the mechanism by which the regulatory authorities approve market participants to enter a certain field and engage in related activities by means of administrative licensing.
Sample capital business is the concentrated expression of various business operations of commercial banks, and it is also the business link that is most likely to cause operational risks. ( )
"Correct answer" ×
"Answer analysis" This topic examines the risk control of major business operations. Counter business is the concentrated expression of various business operations of commercial banks, and it is also the business link that is most likely to cause operational risks.
The reasons for the operational risk of counter business include ().
Internal control management and risk prevention of counter business
B. There are loopholes in rules and regulations and business operation processes.
C. It is more difficult to supervise customers and the information technology means are not perfect.
D. Counter personnel are not aware of safety, and lack of post restraint and self-protection.
E. Tellers have high work intensity but low income, lacking enthusiasm and sense of responsibility.
"correct answer" ABDE
"Answer analysis" this topic examines the counter business. Option C is the reason for the operational risk of corporate credit business.
Examples of counter business operation risk control measures include ().
A. Improve rules and regulations and business operation processes
B. Strengthening the construction of business systems
C. Strengthening vocational training
D. Defining the system of principal responsible persons
E. Strengthen real-time supervision and inspection at the front line
"correct answer" = ↑ABCE
"Answer analysis" this topic examines the counter business. D is a control measure for the operational risk of corporate credit business.
Example The following belong to the corporate credit business ().
A. Customer loan business
B. Balancing accounts and financial reconciliation
C. Discounting business
D. bank acceptance bill
E. Management of important documents and articles
"correct answer" ACD
"Answer Analysis" examines the enterprise credit business. BE is a counter business, not a selection.
Examples of corporate credit business processes include ().
A. Credit rating B. Post-loan tracking
C. Credit review D. Credit approval
E. Loan issuance
"correct answer" = ↑ACDE
"Answer Analysis" examines the enterprise credit business. The business process of enterprise credit includes rating credit, pre-loan investigation, credit review, credit approval, loan issuance and post-loan management.
The reasons for the operational risk of corporate credit business include ().
A. One-sided pursuit of loan scale and market share
B. the credit system is not perfect and there is no supervision and restriction mechanism.
C. There are loopholes in rules and regulations and business operation processes.
D. It is more difficult to supervise customers and the information technology means are not perfect.
E. the society lacks a good credit culture and credit environment.
"correct answer" ABDE
"Answer Analysis" examines the enterprise credit business. C is the cause of operational risk of counter business.
Example The following are the operational risk control measures for corporate credit business ().
A. Defining the system of principal responsible persons
B. Accelerate the construction of electronic credit
C. Grasp the key links
D. Establish a personal credit business center
E. Improve the degree of legal intervention
"correct answer" = ↑ABCE
"Answer Analysis" examines personal credit business. D is the operational risk control measure of personal credit business.
Examples of operational risks in personal credit business include ().
A. Commercial banks lack risk awareness or risk prevention experience in personal credit business.
B. Weak internal control
C. Imperfect internal control system and loopholes in business processes
D. unscientific management mode, low management level and lack of constraints.
E. Personal credit system is not perfect
"correct answer" = ↑ACDE
"Answer Analysis" examines personal credit business. B is the reason for the operational risk of capital business.
The change of exchange rate risk depends on the supply and demand of domestic money market. ( )
"Correct answer" ×
"Answer Analysis" examines market risk identification. The change of exchange rate risk depends on the relationship between supply and demand in the foreign exchange market.
Example () refers to the risk that the economic, political or social situation of a country deteriorates, threatening the repayment ability of domestic borrowers with significant commercial relations or interests in that country.
A.b. Macroeconomic risks
C. Political risk D. Indirect country risk
"correct answer" d
This question examines indirect country risks. Indirect country risk refers to the risk that the economic, political or social situation of a country deteriorates, threatening the repayment ability of domestic borrowers with significant commercial relations or interests in that country.
In one example, when an event () or index changes, it is considered that a country risk has occurred.
A. Sovereign default
B. Transfer events
C. currency appreciation
D. Banking crisis
E. Political turmoil
"correct answer" ABDE
"Answer Analysis" examines the identification of country risks. A country risk is considered to have occurred when the following events or indicators change: (1) sovereign default; (2) transfer events; (3) currency depreciation; (4) banking crisis; (5) Political turmoil.
Sovereign default refers to the default of sovereign debtors, and refers to any negligence or delay in paying interest and/or principal. But converting foreign exchange at a discount is not a breach of contract. ( )
"Correct answer" ×
"Answer Analysis" examines the identification of country risks. Sovereign default refers to the default of the sovereign debtor, and refers to any behavior of not paying or delaying the payment of interest and/or principal. Conversion is also a breach of contract.
Example () refers to the situation that the borrower or debtor is unable to obtain the required foreign exchange to repay its overseas debts due to insufficient domestic foreign exchange reserves or foreign exchange control, or the debtor's assets are nationalized or requisitioned.
A. Sovereign default B. Transfer event
C. Currency devaluation D. Political turmoil
"correct answer" b
"Answer Analysis" examines the identification of country risks. Transfer event refers to the situation that the borrower or debtor cannot obtain the required foreign exchange to repay their overseas debts due to insufficient domestic foreign exchange reserves or foreign exchange control, or the debtor's assets are nationalized or requisitioned.
For example, currency depreciation means that the exchange rate of local currency against the US dollar depreciates by more than () or more within one year, and the specific depreciation extent depends on the background of the times or the regulatory needs of a country.
A. 15%
B.20%
About 25%
D.30%
"correct answer" c
"Answer Analysis" examines the identification of country risks. Currency devaluation refers to the depreciation of the local currency against the US dollar by more than 25% or more within one year, depending on the age background or the regulatory needs of a country.
Banking crisis refers to the collapse of the banking system in an economy, especially in the context of financial crisis. In banking crisis, measure the risk of systemic crisis, that is, banks with total assets () or above are insolvent and unable to repay the debts of depositors and/or creditors.
A. 10%
About 20% to 25%
"correct answer" a
"Answer Analysis" examines the identification of country risks. Banking crisis refers to the collapse of the banking system in an economy, especially in the context of financial crisis. Measure the risk of systemic crisis, that is, banks holding 10% or more of the total assets of banks are insolvent and unable to repay the debts of depositors and/or creditors.
The example in the basic principles of banking supervision, () refers to the CBRC's rational allocation and utilization of regulatory resources in its regulatory activities to improve regulatory efficiency, which not only ensures the full performance of regulatory responsibilities and the realization of regulatory objectives, but also reduces regulatory costs and does not increase the burden on taxpayers and regulated objects.
A. Principle of legality B. Principle of publicity
C. Principle of justice D. Principle of efficiency
"correct answer" d
"Answer Analysis" examines bank supervision. The principle of efficiency refers to the CBRC's rational allocation and utilization of regulatory resources in its regulatory activities to improve regulatory efficiency, which not only ensures the full performance of regulatory responsibilities and the realization of regulatory objectives, but also reduces regulatory costs without bringing burdens to taxpayers and regulated objects.
China Banking Regulatory Commission clearly pointed out that the standards of good banking supervision include ().
A strive to enhance the competitiveness of China's banking industry in international financial services.
B. Restrain financial innovation and promote financial stability
C. Set scientific and reasonable restrictions on all kinds of supervision, do something different, and reduce all unnecessary restrictions.
D. Encourage fair competition and oppose disorderly competition
E strict and clear accountability should be implemented for both the supervisor and the supervisor.
"correct answer" = ↑ACDE
"Answer Analysis" examines bank supervision. The China Banking Regulatory Commission clearly put forward six standards for doing a good job in banking supervision: promoting financial stability and financial innovation and development; Strive to enhance the competitiveness of China's banking industry in international financial services; Set scientific and reasonable restrictions on all kinds of supervision, do something different, and reduce all unnecessary restrictions; Encourage fair competition and oppose disorderly competition; Strict and clear accountability system should be implemented for both the supervisor and the supervised; Colleges and universities economize on the use of all supervision resources.
For example, the regulatory concept put forward by the CBRC is "managing the market, managing risks, managing internal control and improving transparency". ( )
"Correct answer" ×
"Answer Analysis" examines bank supervision. The China Banking Regulatory Commission put forward the regulatory concept of "managing legal persons, managing risks, managing internal control and improving transparency".
The example about risk supervision is wrong ().
A. Risk supervision refers to evaluating all kinds of risks involved in bank operation and management by identifying the inherent risks of banks.
B. Risk supervision is a supervision method that systematically, comprehensively and continuously evaluates the operation and management of banks according to rating standards.
C. Risk supervision is a comprehensive static supervision to grasp the bank's situation.
D. Risk supervision is a supervision mode with strong planning, clear objectives, improved efficiency and saved resources.
"correct answer" c
"Answer Analysis" examines bank supervision. Risk supervision is a comprehensive and dynamic supervision to grasp the bank's situation.
The role of example risk supervision is mainly reflected in ().
A. Through the collection of institutional information and the evaluation of business and various risks and risk management procedures, we can better understand the risk status and management quality of institutions and identify the risks to be formed as soon as possible, which is forward-looking.
B through effective risk identification in advance, the inspection and supervision scheme can be designed according to the risk characteristics of each institution, which is more planned, flexible and targeted.
C. Clarify the risk orientation of supervision, improve the bank management's attention to risk management, and at the same time improve the management's sense of identity with supervision.
D shift the focus of supervision to bank risk management and external control quality assessment.
E, clear the responsibilities of off-site supervision and on-site inspection, so that the division of labor between them is more clear and the combination is closer.
"correct answer" = ↑ABCE
"Answer Analysis" examines bank supervision. D mistake, it should be to transfer the supervision center to the evaluation of bank risk management and internal control quality.
Example the following does not belong to the bank supervision method is ().
A. Market access
B. Supervision and inspection
C. Capital supervision
D. Market withdrawal
"correct answer" d
"Answer Analysis" examines bank supervision. Banking supervision methods include market access, supervision and inspection, and capital supervision.
For example, in the banking supervision measures, () refers to the mechanism by which the supervision department adopts administrative licensing to examine and approve the market participants entering a certain field and engaging in related activities.
A.b. Supervision and inspection
C. Capital supervision D. Market withdrawal
"correct answer" a
"Answer Analysis" examines bank supervision. Market access refers to the mechanism by which the regulatory authorities approve market participants to enter a certain field and engage in related activities by means of administrative licensing.
Sample capital business is the concentrated expression of various business operations of commercial banks, and it is also the business link that is most likely to cause operational risks. ( )
"Correct answer" ×
"Answer analysis" This topic examines the risk control of major business operations. Counter business is the concentrated expression of various business operations of commercial banks, and it is also the business link that is most likely to cause operational risks.
The reasons for the operational risk of counter business include ().
Internal control management and risk prevention of counter business
B. There are loopholes in rules and regulations and business operation processes.
C. It is more difficult to supervise customers and the information technology means are not perfect.
D. Counter personnel are not aware of safety, and lack of post restraint and self-protection.
E. Tellers have high work intensity but low income, lacking enthusiasm and sense of responsibility.
"correct answer" ABDE
"Answer analysis" this topic examines the counter business. Option C is the reason for the operational risk of corporate credit business.
Examples of counter business operation risk control measures include ().
A. Improve rules and regulations and business operation processes
B. Strengthening the construction of business systems
C. Strengthening vocational training
D. Defining the system of principal responsible persons
E. Strengthen real-time supervision and inspection at the front line
"correct answer" = ↑ABCE
"Answer analysis" this topic examines the counter business. D is a control measure for the operational risk of corporate credit business.
Example The following belong to the corporate credit business ().
A. Customer loan business
B. Balancing accounts and financial reconciliation
C. Discounting business
D. bank acceptance bill
E. Management of important documents and articles
"correct answer" ACD
"Answer Analysis" examines the enterprise credit business. BE is a counter business, not a selection.
Examples of corporate credit business processes include ().
A. Credit rating B. Post-loan tracking
C. Credit review D. Credit approval
E. Loan issuance
"correct answer" = ↑ACDE
"Answer Analysis" examines the enterprise credit business. The business process of enterprise credit includes rating credit, pre-loan investigation, credit review, credit approval, loan issuance and post-loan management.
The reasons for the operational risk of corporate credit business include ().
A. One-sided pursuit of loan scale and market share
B. the credit system is not perfect and there is no supervision and restriction mechanism.
C. There are loopholes in rules and regulations and business operation processes.
D. It is more difficult to supervise customers and the information technology means are not perfect.
E. the society lacks a good credit culture and credit environment.
"correct answer" ABDE
"Answer Analysis" examines the enterprise credit business. C is the cause of operational risk of counter business.
Example The following are the operational risk control measures for corporate credit business ().
A. Defining the system of principal responsible persons
B. Accelerate the construction of electronic credit
C. Grasp the key links
D. Establish a personal credit business center
E. Improve the degree of legal intervention
"correct answer" = ↑ABCE
"Answer Analysis" examines personal credit business. D is the operational risk control measure of personal credit business.
Examples of operational risks in personal credit business include ().
A. Commercial banks lack risk awareness or risk prevention experience in personal credit business.
B. Weak internal control
C. Imperfect internal control system and loopholes in business processes
D. unscientific management mode, low management level and lack of constraints.
E. Personal credit system is not perfect
"correct answer" = ↑ACDE
"Answer Analysis" examines personal credit business. B is the reason for the operational risk of capital business.
The change of exchange rate risk depends on the supply and demand of domestic money market. ( )
"Correct answer" ×
"Answer Analysis" examines market risk identification. The change of exchange rate risk depends on the relationship between supply and demand in the foreign exchange market.